Vista Bank

Overview / Commentary
901 Main Street
Ralls, TX 79357

Vista Bank is headquartered in Ralls and is the 78th largest bank in the state of Texas. It is also the 976th largest bank in the nation. It was established in 1912 and as of June of 2019, it had grown to 150 employees at 18 locations. Vista Bank's money market rates are 2X the national average, and it has an A health rating.

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Reviews (3)

30 Debits Is A Lot Of Debits

Posted by: csmith77 | Jul 24, 2019

I have been using Visa Bank since the first of the year and elected the VistaSmart Checking which requires 30 debits and 2 ACH transactions per month to receive their highest interest rate which is 3.51% on a max of $30K. Boy, was it a hassle to meet those requirements so I decided to quit and just keep their Horizon Checking account. When I called the branch in Austin to change, I inadvertently called one day before the qualification period ended and did not receive my last month's interest. I wrote to the bank and they credited me with the missing interest. That was nice and saved me from losing nearly $80.

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.

Good Bank With High Rate Of Interest To 30K

Posted by: mdmangus | Aug 24, 2018

I opened about 3 months ago. Overall, I've received the 3.51% rate as advertised. The mobile app is clean, the website once logged in is kind of slow and not as clean.

Vista smart checking at times didn't reply to secure email questions. Maybe I asked too many questions. After I complained I started seeing responses.

If you do the 3.51% interest you must do those 30 transactions and other requirements or there will be a $4.99 fee.

There site says this account receives free checks, but email response states only first check box is free. So I guess their marketing needs to be updated on this accounts features.

The mobile deposit has the following limitations: Single item is $1,500, daily limit is 2 checks for total of $2,500, and lastly a monthly limit of 10 checks for $5,000. That is extremely limited compared to other banks mobile deposit feature. I asked if this was for initial new members and reply was this is always the restriction.

I only write checks to top off the account and the such, but that is pretty limiting. Also they don't have the ability for ACH out to other banks. You will have to pull and pushes from other banks.

I got this account thinking to make it primary bank, but after above issues I've made this just to earn interest, but now there are other banks with close to same rate for fewer transactions needed and no fee if you don't meet requirement so I'm thinking to maybe close or change its product to the 2.51%.

They were friendly during account opening and for most part other than further secure messages not being answered seemed ok.

Again, they have paid interest of every month.


Health Grade Components

FDIC Certificate #1210
Year Established1912
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD11.52%
Annual Interest Income$20.6MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$810.7MM$754.5MM
LoansQ2 2019vs Q2 2018$642.9MM$574.8MM
DepositsQ2 2019vs Q2 2018$702.3MM$669.3MM
Equity CapitalQ2 2019vs Q2 2018$82.0MM$79.2MM
Loan Loss AllowanceQ2 2019vs Q2 2018$6.1MM$5.5MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$1.5MM$673.00K
Real Estate OwnedQ2 2019vs Q2 2018$366.00K$0
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Always verify rates and promotions with the bank or credit union. We are not Vista Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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 - $1m

Vista Bank Checking Account Rates

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


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