Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
888-238-3330
1240 Broadcasting Road
Wyomissing, PA 19610

VIST Bank is headquartered in Wyomissing and is the 23rd largest bank in the state of Pennsylvania. It is also the 523rd largest bank in the nation. It was established in 1891 and as of December of 2013, it had grown to 162 employees at 22 locations. VIST Bank has a B+ health rating.

Reviews (5)

Are Unwilling To Accept They Made A Mistake.

After having an issue with their new system i made a post as i was unable to contact them, i then recieve two seperate emails explaining to me that they system was fine and it was my fault not theirs. 

The internet banking manager is the one who i conversed with through email and the whole time he didnt once apologize for the inconvience, only took my concerns and tried to jusitfy them. 

Will be switching for sure now.

Worst Bank Ever

Pleaseeee do not go to this bank. I was trying to buy a house. Paid for appraisal up front because the bank representative told me that they were going to give me my money back if there was no closing. Guess what, we didn't buy the house. There was no closing. Then the guy told me that they were not going to give me my money back.... this people are baddddddddd.. one day they say one thing, the other day they forget..... PLEASE DO NOT MAKE BUSINESS WITH THESE PEOPLE.... Vist bank - worst bank in America

Terrible, Useless

Holds checks for far too long, sends delayed statements, and has horrible hours. This bank has been the biggest waste of my time.

VIST Rating

Bank seems good to work with.  No complaints.

Not quite sure where the four star safety rating is coming from:

Of the two services I checked, Bauer and Bankrate Safe & Sound, one service gave VIST three point five stars and the other gave it two stars.  This was based on March data, and I doubt things have become better.

VIST Rating

Bank seems good to work with.  No complaints.

Not quite sure where the four star safety rating is coming from:

Of the two services I checked, Bauer and Bankrate Safe & Sound, one service gave VIST three point five stars and the other gave it two stars.  This was based on March data, and I doubt things have become better.



Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A

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 December 31, 2013 VIST Bank had $16.51 million in non-current loans and owned real-estate with $153.15 million in equity and loan loss allowances on hand to cover it. This gives VIST Bank a Texas Ratio of 10.78% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for VIST Bank decreased dramatically from 15.81% as of December 31, 2012 to 10.78% as of December 31, 2013, resulting in a positive change of 31.81%.This indicates that the balance sheet and financial strength for VIST Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
F

In the past year, VIST Bank has decreased its total deposits by -$127.19 million, resulting in -11.37% 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 poor.

Capitalization

GRADE:
A

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 $1.28 billion in assets with $153.15 million in equity, resulting in a capitalization level of 11.96%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #7748
Year Established1891
Employees162
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.28 billion
Loans$877.05 million
Deposits$991.55 million
Equity Capital$149.82 million
Loan Loss Allowance$3.34 million
Unbacked Noncurrent Loans$13.28 million
Real Estate Owned$3.23 million
Historic Data - December 2012
Assets$1.31 billion
Equity Capital$147.84 million
Loan Loss Allowance$373,000
Unbacked Noncurrent Loans$13.28 million
Real Estate Owned$2.57 million
Profit Margin - Quarterly
Net Interest Margin4.2%
Return on Assets0.68%
Return on Equity6.04%
Interest Income$53.27 million
Rates

Always verify rates and promotions with the bank or credit union. We are not VIST Bank, we are a rate comparison website and can not provide official rates or promotions.

VIST Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.30%$25k-Variable Rate IRA
0.20%$50k-True Advantage Savings
0.10%$50k-Welcome Savings
0.10%$50k-Starter Savings
0.10%$25k-Business Savings
0.05%--Club Savings

VIST Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$50k-Personal Money Market
0.25%$50k-Business Money Market

VIST Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--True Advantage Checking Plus
0.05%--Select Checking Plus
0.05%--Business NOW

VIST Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.15%$500-60 Month CD
1.10%$500-48 - 59 Month CD
0.80%$500-36 - 47 Month CD
0.65%$500-24 - 35 Month CD
0.60%$500-12 - 24 Month CD
0.40%$500-9 - 11 Month CD
0.25%$500-6 - 8 Month CD
0.20%$500-1 - 2 Month CD
0.20%$500-3 - 5 Month CD

VIST Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.15%$500-60 Month IRA
1.10%$500-48-59 Month IRA
0.80%$500-36-47 Month IRA
0.65%$500-24-35 Month IRA
0.60%$500-12-24 Month IRA
0.40%$500-9-11 Month IRA
0.25%$500-6-8 Month IRA
0.20%$500-1-2 Month IRA
0.20%$500-3-5 Month IRA
Locations

VIST Bank has 22 locations. Click to view all VIST Bank locations.