VIST Bank

VIST Bank is headquartered in Wyomissing and is the 23^rd largest bank in the state of Pennsylvania. It is also the 454^th largest bank in the nation. It was established in 1891 and as of September of 2011, it had grown to 199 employees at 26 locations. VIST Bank's money market rates are 14% higher than the national average, and it has a 3-star health rating.

VIST Bank Checking Account Rates

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VIST Bank CD Rates

Data for Q3 2011

Institution Statistics VIST Bank FDIC Certificate # 7748 BankRate Report View Year Established 1891 Employees 199 Primary Regulator FDIC Assets and Liabilities Assets $1.47 billion Loans $972.50 million Deposits $1.23 billion Equity Capital $129.67 million Loan Loss Allowance $15.46 million Unbacked Noncurrent Loans $36.32 million Real Estate Owned $3.45 million Historic Data - September 2010 Assets $1.34 billion Equity Capital $120.15 million Loan Loss Allowance $14.42 million Unbacked Noncurrent Loans $24.97 million Real Estate Owned $3.53 million Profit Margin - Quarterly Net Interest Margin 3.6% Return on Assets 0.46% Return on Equity 5.34% Interest Income $50.80 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 VIST Bank had $39.76 million in non-current loans and owned real-estate with $145.12 million in equity and loan loss allowances on hand to cover it. This gives VIST Bank a Texas Ratio of 27.40% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for VIST Bank increased slightly from 20.82% as of September 30, 2010 to 27.40% as of September 30, 2011, resulting in a negative change of 31.60%. This indicates that the balance sheet and financial strength for VIST Bank has declined slightly in recent periods. Deposit Growth In the past year, VIST Bank has increased its total deposits by $130.26 million, resulting in 11.87% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth VIST Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. VIST Bank has $1.47 billion in assets with $145.12 million in equity, resulting in a capitalization level of 9.90%, which is average.