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Vista Bank

Popular Accounts at this Bank

3.51%Reward CheckingVistaSmart Checking
2.51%Reward CheckingVista Checking
1.00%Money MarketMoney Market Account

Overview / Commentary
901 Main Street
Ralls, TX 79357

Vista Bank is headquartered in Ralls and is the 104th largest bank in the state of Texas. It is also the 1,209th largest bank in the nation. It was established in 1912 and as of December of 2017, it had grown to 133 employees at 15 locations. Vista Bank's money market rates are 2X the national average, and it boasts an A+ health rating.

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Reviews (1)

Great Bank With Great Interest Rates Up To $30K

Posted by: RLunder | Mar 9, 2017

Vista Bank is a long way from where I live, but I was able to open an account without having to drive to the bank. Susie was very helpful in emailing me all the necessary documents and forms needed to open my account. While it does require 30 Debit card transactions per month to receive the 3.51% interest it was not a big issue for me.

The only complaint I have is that your account must be open for 90 days before you can use the Mobile Check Deposit feature....that was never mentioned? The mobile app will simply say that you have no accounts eligible for mobile deposits.


Health Grade Components

FDIC Certificate #1210
Year Established1912
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD7.29%
Annual Interest Income$25.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$604.0MM$393.6MM
LoansQ4 2017vs Q4 2016$456.6MM$293.6MM
DepositsQ4 2017vs Q4 2016$528.1MM$342.5MM
Equity CapitalQ4 2017vs Q4 2016$70.7MM$47.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$4.3MM$3.2MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$646.00K$733.00K
Real Estate OwnedQ4 2017vs Q4 2016$67.00K$79.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Vista Bank Money Market Rates

1.00%*$1m*-Money Market Account
OTHER TIERS: 0.05% Up to $25k | 0.15% $25k - $100k | 0.25% $100k - $250k | 0.40% $250k - $500k | 0.60% $500k - $1mm

Vista Bank Checking Account Rates

3.51%*-$30kVistaSmart Checking
OTHER TIERS: 0.50% $30k+
2.51%*-$30kVista Checking
OTHER TIERS: 0.50% $30k+