Average User Rating:
2.5 star rating based on 5 reviews.

VIST Bank

1240 Broadcasting Road
Wyomissing, PA 19610
888-238-3330
www.vistfc.com

FDIC

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VIST Bank is headquartered in Wyomissing and is the 22^nd largest bank in the state of Pennsylvania. It is also the 501^st largest bank in the nation. It was established in 1891 and as of March of 2013, it had grown to 148 employees at 24 locations. VIST Bank has a 3-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

VIST Bank Checking Account Rates

Apy	Min	Max	Product
0.05%	-	-	True Advantage Checking Plus
0.05%	-	-	Select Checking Plus
0.05%	-	-	Business NOW

VIST Bank Savings Account Rates

Apy	Min	Max	Product
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

Apy	Min	Max	Product
0.25%	$50k	-	Personal Money Market
0.25%	$50k	-	Business Money Market

VIST Bank CD Rates

Apy	Min	Max	Product
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

Apy	Min	Max	Product
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

Rates updated: 6/13/2013

Data for Q1 2013

Institution Statistics

VIST Bank
OTS #	9875
FDIC Certificate #	7748
BankRate Report	View
Year Established	1891
Employees	148
Primary Regulator	FDIC
Assets and Liabilities
Assets	$1.32 billion
Loans	$857.52 million
Deposits	$1.08 billion
Equity Capital	$149.58 million
Loan Loss Allowance	$764,000
Unbacked Noncurrent Loans	$21.57 million
Real Estate Owned	$2.26 million
Historic Data - March 2012
Assets	$1.39 billion
Equity Capital	$113.88 million
Loan Loss Allowance	$13.66 million
Unbacked Noncurrent Loans	$41.09 million
Real Estate Owned	$3.48 million
Profit Margin - Quarterly
Net Interest Margin	3.81%
Return on Assets	0.64%
Return on Equity	5.69%
Interest Income	$12.35 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 March 31, 2013 VIST Bank had $23.83 million in non-current loans and owned real-estate with $150.34 million in equity and loan loss allowances on hand to cover it. This gives VIST Bank a Texas Ratio of 15.85% 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 decreased significantly from 35.46% as of March 31, 2012 to 15.85% as of March 31, 2013, resulting in a positive change of 55.31%.This indicates that the balance sheet and financial strength for VIST Bank has improved significantly in recent periods.
Deposit Growth
In the past year, VIST Bank has decreased its total deposits by -$87.81 million, resulting in -7.5% 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
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 $1.32 billion in assets with $150.34 million in equity, resulting in a capitalization level of 11.38%, which is above average.

Are Unwilling To Accept They Made A Mistake.
1 stars

- Germansheplove - Wednesday, January 2, 2013 - 8:08 PM

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
1 stars

- pepe1903 - Sunday, January 27, 2013 - 8:35 PM

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
1 stars

- xxx - Monday, December 17, 2012 - 4:10 PM

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
5 stars

- shinoby - Tuesday, August 23, 2011 - 11:23 AM

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.