EXHIBIT Garold R Base President and Chief Executive Officer

EXHIBIT 99 Garold R. Base President and Chief Executive Officer Patti McKee Executive Vice President and Chief Financial Officer Safe Harbor Statement This report may contain statements relating to the future results of the Company (including certain projections and business trends) that are considered “forward-looking statements” as defined in the Private Securities Litigation Reform Act of 1995 (the “PSLRA”). Such forward-looking statements, in addition to historical information, which involve risk and uncertainties, are based on the beliefs, assumptions and expectations of management of the Company. Words such as “expects,” “believes,” “should,” “plans,” “anticipates,” “will,” “potential,” “could,” “intend,” “may,” “outlook,” “predict,” “project,” “would,” “estimates,” “assumes,” “likely,” and variations of such similar expressions are intended to identify such forwardlooking statements. Examples of forward-looking statements include, but are not limited to, possible or assumed estimates with respect to the financial condition, expected or anticipated revenue, and results of operations and business of the Company, including earnings growth; revenue growth in retail banking, lending and other areas; origination volume in the Company’s consumer, commercial and other lending businesses; current and future capital management programs; noninterest income levels, including fees from banking services as well as product sales; tangible capital generation; market share; expense levels; and other business operations and strategies. For this presentation, the Company claims the protection of the safe harbor for forward-looking statements contained in the PSLRA. Factors that could cause future results to vary from current management expectations include, but are not limited to, changing economic conditions; legislative and regulatory changes; monetary and fiscal policies of the federal government; changes in tax policies; rates and regulations of federal, state and local tax authorities; changes in interest rates; deposit flows; the cost of funds; demand for loan products; demand for financial services; competition; changes in the quality and composition of the Company’s loan and investment portfolios; changes in management’s business strategies; changes in accounting principles, policies or guidelines; changes in real estate values and other factors discussed elsewhere in this report and factors set forth under Risk Factors in our Annual Report on Form 10-K. The forward-looking statements are made as of the date of this report, and the Company assumes no obligation to update the forward-looking statements or to update the reasons why actual results could differ from those projected in the forward-looking statements. 3 Structure Chart ViewPoint MHC 57% of the common stock Minority Stockholders 43% of the common stock ViewPoint Financial Group 100% of the common stock ViewPoint Bank ViewPoint Bankers Mortgage On September 1, 2007, ViewPoint, through its wholly-owned subsidiary, ViewPoint Bankers Mortgage, completed its acquisition of the assets and mortgage production operations of Bankers Financial Mortgage Group, Ltd. 4 ViewPoint Bankers Mortgage • $468.7 million in total production in the 13 months since acquisition 41% year over year increase in originations Opened 9 loan production offices, formerly CTX offices, in Q3 2008 for a total of 19 Increased production staff by 42 in 2008 Loan Volume $60,000 $50,000 • $40,000 (000s) $30,000 $20,000 $10,000 $Jan Feb Mar Apr May Jun 2007 Jul Aug Sep Oct Nov Dec • • 2008 5 Executive Team Name Garold R. Base Title President, Chief Executive Officer Previous Experience 40 years experience in the financial industry with 36 years serving as President / CEO; Board Member, Texas Bankers Association; Past Member, Federal Reserve Advisory Board, Washington D.C. 25 years of banking/finance experience, Certified Public Accountant 16 years of banking and real estate legal experience, Jackson Walker, L.L.P. More than 30 years in banking, Key Bank, Michigan More than 30 years in banking, Texas Bank, Frost National Bank More than 20 years in commercial real estate, GE Capital Commercial Real Estate Finance More than 35 years in banking, Capital One, Hibernia National Bank, Southwest Savings, First Texas/Gibraltar Savings More than 25 years in mortgage banking, Wells Fargo, founder of Bankers Financial Patti McKee Mark E. Hord Rick Robertson Jim Parks Patrick Ramsier Paul Craig Gerry Taylor Executive Vice President, Chief Financial Officer Executive Vice President, General Counsel Executive Vice President, Chief Banking Officer Executive Vice President, Chief Operating Officer Senior Vice President, Commercial Real Estate Senior Vice President, Retail Banking Manager President, Bankers Financial Mortgage Group, Ltd. An experienced banking team with DFW market backgrounds. 6 Franchise Statistics Total Assets: $1.99 billion Total Net Loans: $1.22 billion Total Deposits: $1.36 billion Number of Locations: 53 Full-Time Employee Equivalent Count: 651 (at September 30, 2008) 7 Ranked in Top 5 Deposit Market Share in Collin County (FDIC Deposit Market Share) Selected Market State: TEXAS County: City: COLLIN ALL State (Hqtrd) NC OH TX TX NE AL NV SD VA NC Zip Code: ALL State/ Bank Federal Class Charter N N SM SA N SM SA N N N Federal Federal State Federal Federal State Federal Federal Federal Federal Outside of Market No. of Offices 5,718 3,146 8 13 33 583 2,199 3,353 726 3327 No. of Offices 20 29 9 16 4 11 14 16 12 11 June 30, 2008 Inside of Market Deposits ($000) 1,461,475 1,106,843 990,063 936,494 619,273 487,635 487,533 486,402 341,364 339,563 Market Share 13.27% 10.05% 8.99% 8.51% 5.62% 4.43% 4.43% 4.42% 3.10% 3.08% Strong foothold due to our over 56 years in the market Ranked #1 in Deposit Market Share for those banks headquartered in Collin County Plano was ranked as the most affluent city in the nation, having the highest income and lowest poverty rate. Source: Census Bureau Institution Name BANK OF AMERICA NA JPMORGAN CHASE BANK NA LEGACYTEXAS BANK VIEWPOINTBANK FIRST NATIONAL BANK OF OMAHA COMPASS BANK WASHINGTON MUTUAL BANK WELLS FARGO BANK NA CAPITAL ONE NATIONAL ASSN WACHOVIA BANK NATIONAL ASSN Deposits ($000) 640,790,740 459,901,157 196,256 514,696 6,770,889 36,011,046 182,991,893 275,819,598 70,243,500 397,419,437 8 Texas Banks Texas Banks and Thrifts with the Richest Projected Depositor Base Plano-based ViewPoint Financial Group is projected to have the highest median household income among its depositor base in the year 2013. The thrift currently also has the richest depositor base for the current year with the median household income of its depositors at $82,354. In the next five years Treaty Oak Bancorp, Inc. is projected to see a 23.0% increase in the median household income of its depositor base; the highest increase among the top 10 public banks and thrifts based in Texas. Guaranty Financial Group, Inc., based in Austin, is ranked 15th based on the 2008 median household income of its depositor base, but is projected to be ranked 10th in 2013. Company ViewPoint Financial Group (MHC) North Dallas Bank & Trust Co. Comerica Incorporated Treaty Oak Bancorp, Inc. T Bancshares, Inc. MetroCorp Bancshares, Inc. BancAffiliated, Inc. Trinity Bank, N.A. Texas Capital Bancshares, Inc. Guaranty Financial Group, Inc. Ticker VPFG NODB CMA TOAK TBNC MCBI BAFI TYBT TCBI GFG City Plano Dallas Dallas Austin Dallas Houston Arlington Fort Worth Dallas Austin Projected median household income of depositor base in 2013* 97,924 77,646 73,803 73,399 72,696 71,521 70,334 70,334 70,300 65,272 Median household income of depositor base in 2008* 82,354 67,083 63,929 59,679 63,356 61,927 61,772 61,772 61,158 56,284 *Aggregate of projected county demographic data provided by ESRI. Aggregates are weighted by the portion of a company's deposits in a particular county. List based on public banks and thrifts based in Texas. 9 Community Bank Office Expansion Opening Dates: NE Tarrant County – Q3 2008 Dallas Oak Cliff – October 2008 Grapevine – Q1 2009 Frisco – Q2 2009 Future Sites Under Contract: Prosper Richardson Wylie 10 Quarter-end Highlights – September • • • • Assets increased 20.0% from December 31, 2007 to $1.99 billion Net loans increased 32.5% from December 31, 2007 to $1.22 billion Deposits increased 4.5% from December 31, 2007 to $1.36 billion Net income increased 4.8% from the nine months ended September 30, 2007 to $4.2 million $0.06 earnings per share for Q3 2008 and $0.18 earnings per share for the nine months ended September 30, 2008 Over the quarter, we opened a full-service community bank office in Northeast Tarrant County and added nine mortgage loan production offices throughout Texas 11 • • Net Interest Spread 6.00 5.00 4.00 3.00 2.00 1.00 0.00 Q3 2007 Q4 2007 Q1 2008 Q2 2008 VPFG NI Spread Q3 2008 Avg Fed Funds Despite volatility in interest rates, steadily increased net interest spread 12 Earnings – 2007 to 2008 Net Income 4,500 4,015 4,206 • Net gain on sale of loans increased $6.1 million YTD (000s) 4,000 3,500 3,000 • Net interest income increased $5.3 million YTD, or 16% • Net interest margin for Q3 2008 increased 12 basis points to 2.97 from 2.85 for Q2 2008 2,500 2,000 1,500 1,000 500 YTD 2007 YTD 2008 13 Loan Mix December 2005 8% 2% September 2008 3% 5% 10% 2% 31% 33% 53% 49% 4% Auto Loans Residential Real Estate Business Other Consumer Commercial Real Estate Auto Loans Residential Real Estate Business Other Consumer Commercial Real Estate Warehouse 14 Non Performing Loans Non Performing Loans 1.50% 1.25% 1.00% 0.75% 0.50% 0.25% 0.00% Q2 2007 Q3 2007 Q4 2007 VPB Peer* Q1 2008 Q2 2008 • Non-performing loan ratio remained relatively constant during the period despite fluctuations in the credit market • Non-performing loans for Q3 2008 were $4.7 million or 0.38% of total loans • Focus on maintaining quality assets *Source: BancIntelligence – Public MHCs with assets totaling $750k - $2B 15 Charge-Offs 0.45 0.42 0.40 0.39 0.35 0.32 0.30 0.32 0.29 0.25 0.20 Q3 2007 Q4 2007 Q1 2008 Q2 2008 Q3 2008 Net charge-offs consist primarily of consumer loans and have declined from 0.42% of average loans at Q3 2007 to 0.29% of average loans at Q3 2008 16 Capital Management Plan • • • • • Share Repurchase • Repurchased total of 1,279,801 shares to date Dividends • Increased dividend 60% since inception, from $0.05 to $0.08 per share • Payout 55% of earnings to shareholders during 2008 Organic Growth & Market Expansion FHLB Matching (Arbitrage) Remain Well Capitalized Total Capital to Assets 13.50% 13.00% 12.50% 12.29% 11.56% 10.82% 10.50% 10.03% 9.50% Q3 2007 Q4 2007 Q1 2008 Q2 2008 Q3 2008 11.50% 17 Looking Forward To create value in our market area by maintaining profitability, a strong capital position and high asset quality through the continuation of the following objectives: • Improve operating efficiency • Diversify balance sheet and maintain strong core deposit mix to increase net interest margin • Maintain high level of asset quality • Expand community bank network • Provide quality service while developing employees and continuing to increase managerial depth 18 For more information: Visit our website at viewpointbank.com Call us with questions: Garold R. Base President and Chief Executive Officer 972.801.5843 Patti McKee Executive Vice President and Chief Financial Officer 972.509.2009 Mark Hord Executive Vice President and General Counsel 972.758.1551 APPENDIX 2008 Revenue Mix 27% Loan 49% Investments Fee/Other 24% #1 in fee income compared to peers based on the percentage of fees and charges to average earning assets. VPFG is in the 93rd percentile while average of peers is in the 50th percentile.* *Source: BancIntelligence – Public MHCs with assets totaling $750k - $2B as of June 2008 21 Investment Mix September 2008 6% 5% 37% A gency M B S A gency CM O A gency B o nd Other 52% Investment portfolio: • 96% in government-sponsored Agency investments • $617.0 million portfolio • 64% fixed, 36% variable • 25% HTM, 75% AFS 22 Residential Real Estate Mix September 2008 20% 14% 1 Yr Fixed 5 3% 30 Yr Fixed A RM Other RE Lo ans 17% 46% Ho me Impro vement / Ho me Equity • Increased residential portfolio by $182.8 million, or 44%, from same time last year to a total of $598.9 million • Average credit score for originated mortgage loans in portfolio is 739; Average LTV of the portfolio is 59% 23 $450,000 $400,000 Commercial Real Estate Portfolio th row gG 1% =6 te Ra Medical Office Industrial Office Warehouse Other $350,000 $300,000 Av $250,000 (000s) $200,000 Retail Office $150,000 $100,000 $50,000 $2005 2006 2007 Sept 2008 Increased commercial real estate portfolio by $148.4 million, or 59%, from December 2007 to balance of $400.5 million 24 September 2008 Deposit Mix Total Cost on Deposits: 2.63% 34% 4% • Average in-store: $9.7 million in deposits • Average branch: $87.7 million in deposits FDIC – June 2008 32% 11% 19% Money Mkt Svgs Savings Checking Certificates IRA 25