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Vista Bank

Popular Accounts at this Bank

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

Overview / Commentary
806-253-2511
901 Main Street
Ralls, TX 79357

Vista Bank is headquartered in Ralls and is the 135th largest bank in the state of Texas. It is also the 1,590th largest bank in the nation. It was established in 1912 and as of March of 2017, it had grown to 87 employees at 13 locations. Vista Bank's money market rates are 2X the national average, and it boasts an A+ health rating.

Related Posts

Vista Bank (TX) Has Two Competitive Rewards Checking Accounts - 8/10/2016

Vista Bank (TX) offers VistaSmart Checking (3.51% APY, up to $30k) and Vista Checking (2.51% APY, up to $30k). Market area is the Texas Panhandle.

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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
A+

Health Grade Components

Overall
FDIC Certificate #1210
Year Established1912
Employees87
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD5.32%
Annual Interest Income$4.9MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$444.2MM$327.5MM
LoansQ1 2017vs Q1 2016$316.0MM$245.8MM
DepositsQ1 2017vs Q1 2016$382.4MM$255.0MM
Equity CapitalQ1 2017vs Q1 2016$54.1MM$45.3MM
Loan Loss AllowanceQ1 2017vs Q1 2016$3.5MM$2.7MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$543.00K$848.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$28.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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

Vista Bank has 14 locations. Click to view all Vista Bank locations.