Vist Bank Mortgage Rates, Fees & Info

Wyomissing, PA

LEI: 2549006QZTQTY9OK5S30

Tax ID: 23-0867965

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Vist Bank is a smaller bank specializing in Home Purchase loans. Vist Bank has a high proportion of conventional loans. Their top markets by origination volume include: Philadelphia, Reading, Allentown, Atlantic City, and Pottsville among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)

Vist Bank has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.

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Originations

242

Origination Dollar Volume (All Markets)

$62,210,000

Employee count

151

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	112	$37,120,000	$331,429	$0	0.00%
READING, PA (FHA\|USDA\|VA)	107	$17,225,000	$160,981	$0	0.00%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	3	$2,005,000	$668,333	$0	0.00%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	1	$1,435,000	$1,435,000	$0	0.00%
Pottsville, PA (FHA\|USDA\|VA)	10	$1,290,000	$129,000	$0	0.00%
LANCASTER, PA (FHA\|USDA\|VA)	3	$1,205,000	$401,667	$0	0.00%
OCEAN CITY, NJ (FHA\|USDA\|VA)	2	$1,110,000	$555,000	$0	0.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	1	$405,000	$405,000	$0	0.00%
SALISBURY, MD-DE (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	0.00%
LEBANON, PA (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	0.00%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	0.00%

Vist Bank's top markets include Philadelphia, Reading, Allentown, Atlantic City, and Pottsville among others.

Their top states include:

Pennsylvania (FHA|USDA|VA)

New Jersey (FHA|USDA|VA)

Delaware (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	242	$62,210,000	$257,066	$0	0.00%

For 2018, Vist Bank's most frequently originated type of loan was Conventional, with 242 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	183	$47,655,000	$260,410	$0	0.00%
Cash Out Refi	25	$5,305,000	$212,200	$0	0.00%
Refi	20	$7,550,000	$377,500	$0	0.00%
Home Improvement	7	$945,000	$135,000	$0	0.00%
Other	7	$755,000	$107,857	$0	0.00%

For 2018, Vist Bank's most frequently cited loan purpose was Home Purchase, with 183 originations. The 2nd most popular reason was Cash Out Refi, with 25 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
Other	242	$62,210,000	$257,066	$0	0.00%

For 2018, Vist Bank's most frequently cited loan duration was Other, with 242 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	110	$16,230,000	$147,545	$0	0.00%
$200k-400k	58	$14,560,000	$251,034	$0	0.00%
$100,000 or less	44	$3,140,000	$71,364	$0	0.00%
$400k-600k	14	$6,550,000	$467,857	$0	0.00%
$600k-1MM	9	$6,635,000	$737,222	$0	0.00%
$1MM+	7	$15,095,000	$2,156,429	$0	0.00%

2018 saw Vist Bank place emphasis on $100k-200k loans with 110 originations, totaling $16,230,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k or less	68	$8,440,000	$124,118	$0	0.00%
$50k-75k	51	$9,105,000	$178,529	$0	0.00%
$100k-150k	40	$8,480,000	$212,000	$0	0.00%
$75k-100k	29	$4,715,000	$162,586	$0	0.00%
$250k+	12	$4,080,000	$340,000	$0	0.00%
$150k-250k	11	$3,205,000	$291,364	$0	0.00%

Vist Bank lent most frequently to those with incomes in the $50k or less range, with 68 originations. The second most popular income band? $50k-75k, with 51 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
Exempt%	242	$62,210,000	$257,066	$0	0.00%

Vist Bank lent most frequently to those with DTI ratios of Exempt%, with 242 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	188	$35,650,000	$189,628	$0	0.00%
Not applicable	22	$21,290,000	$967,727	$0	0.00%
Not provided	11	$1,815,000	$165,000	$0	0.00%
Asian	8	$1,670,000	$208,750	$0	0.00%
Black	11	$1,455,000	$132,273	$0	0.00%
Vietnamese	1	$205,000	$205,000	$0	0.00%
American Indian	1	$125,000	$125,000	$0	0.00%

Approval Rates

Total approvals of all applications
86.18%

Vist Bank has an average approval rate.

Pick Rate

Approvals leading to origination
92.15%

Vist Bank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
Exempt	242	$62,210,000	$257,066

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	10	$15,940,000	$1,594,000
Single Family (1-4 Units):Manufactured	1	$165,000	$165,000
Single Family (1-4 Units):Site-Built	231	$46,105,000	$199,589

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
VIST Bank	241 South Centre Avenue Leesport, PA 19533	Full Service B&M	$138,017
VIST Bank	100 Plaza Drive Blandon, PA 19510	Full Service B&M	$53,799
VIST Bank	101 East Philadelphia Avenue Boyertown, PA 19512	Full Service B&M	$23,389
VIST Bank	1199 Berkshire Boulevard Wyomissing, PA 19610	Full Service B&M	$111,735
VIST Bank	1210 Rockland Street Reading, PA 19604	Full Service B&M	$82,326
VIST Bank	1232 Egypt Road Po Box 859 Oaks, PA 19456	Full Service B&M	$25,838
VIST Bank	1240 Broadcasting Road Wyomissing, PA 19610	Full Service B&M	$89,921
VIST Bank	1380 Skippack Pike Blue Bell, PA 19422	Full Service B&M	$33,080
VIST Bank	1767 Sentry Park West Blue Bell, PA 19422	Full Service B&M	$18,507
VIST Bank	221 Ridge Pike Conshohocken, PA 19428	Full Service B&M	$52,689
VIST Bank	237 Route 61 South Schuylkill Haven, PA 17972	Full Service B&M	$47,889
VIST Bank	258 East High Street Pottstown, PA 19464	Full Service B&M	$38,408
VIST Bank	3401-3 Pricetown Road Fleetwood, PA 19522	Full Service B&M	$33,851
VIST Bank	350 West Main St. Birdsboro, PA 19508	Full Service B&M	$45,036
VIST Bank	4361 Perkiomen Ave Reading, PA 19606	Full Service B&M	$32,511
VIST Bank	4708 Penn Avenue Sinking Spring, PA 19608	Full Service B&M	$63,291
VIST Bank	600 West Lancaster Avenue Strafford, PA 19087	Full Service B&M	$43,019
VIST Bank	8000 Verree Road Philadelphia, PA 19111	Full Service B&M	$30,344
VIST Bank	801 South Fourth Street Hamburg, PA 19526	Full Service B&M	$60,851
VIST Bank	909 West Leesport Road Leesport, PA 19533	Full Service B&M	$63,790
VIST Bank	One Belmont Avenue Bala Cynwyd, PA 19004	Full Service B&M	$36,381
VIST Bank	One Reading Drive Wernersville, PA 19565	Full Service B&M	$4,581
VIST Bank	Po Box 6219, 1240 Broadcasting Road Wyomissing, PA 19610	Limited, Administrative	$0

For 2018, Vist Bank had 23 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$66,487
Net interest income	$52,955
Total noninterest income	$5,035
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$1,528
Trading account gains and fees	$0
Additional Noninterest Income	$3,507
Pre-tax net operating income	$15,281
Securities gains (or losses, -)	$-27
Income before extraordinary items	$12,709
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$12,709
Minority interest net income	$0
Net income	$12,709
Sale, conversion, retirement of capital stock, net	$359
Net operating income	$12,731

Vist Bank's gross interest income from loans was $66,487,000.
Vist Bank's net interest income from loans was $52,955,000.
Vist Bank's fee based income from loans was $1,528,000.
Vist Bank's net income from loans was $12,709,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$13,532
Provision for credit losses	$3,023
Total noninterest expense	$39,686
Salaries and employee benefits	$14,590
Premises and equipment expense	$4,049
Additional noninterest expense	$21,047
Applicable income taxes	$2,545
Net charge-offs	$323
Cash dividends	$5,950

Vist Bank's interest expense for loans was $13,532,000.
Vist Bank's payroll and benefits expense were $14,590,000.
Vist Bank's property, plant and equipment expenses $4,049,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	1.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	1.0%
Multifamily residential loans	0.0%
1-4 family residential loans	1.0%
HELOC loans	2.0%
All other family	1.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$1,192,926
Deposits held in domestic offices	$1,192,926
Deposits by Individuals, partnerships, and corporations	$995,041
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$197,784
Deposits by Commercial banks and other depository institutions in U.S.	$101
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$126,626
Demand deposits	$88,690
Nontransaction accounts	$1,066,300
Money market deposit accounts (MMDAs)	$254,109
Other savings deposits (excluding MMDAs)	$653,311
Total time deposits	$158,878
Total time and savings deposits	$1,104,236
Noninterest-bearing deposits	$297,931
Interest-bearing deposits	$894,995
Retail deposits	$1,154,324
IRAs and Keogh plan accounts	$57,363
Brokered deposits	$5,935
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$1,712,949
Cash & Balances due from depository institutions	$20,698
Interest-bearing balances	$2,600
Total securities	$237,259
Federal funds sold & reverse repurchase	$0
Net loans and leases	$1,346,141
Loan and leases loss allowance	$11,890
Trading account assets	$0
Bank premises and fixed assets	$6,448
Other real estate owned	$1,460
Goodwill and other intangibles	$44,255
All other assets	$56,688

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$1,712,949
Total Liabilities	$1,527,346
Total deposits	$1,192,926
Interest-bearing deposits	$894,995
Deposits held in domestic offices	$1,192,926
% insured (estimated)	$64
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$326,475
Subordinated debt	$0
All other liabilities	$7,945

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$1,346,141
Loan and leases loss allowance	$11,890
Total loans and leases (domestic)	$1,358,031
All real estate loans	$1,121,622
Real estate loans in domestic offices	$1,121,622
Construction and development loans	$74,559
Residential 1-4 family construction	$18,257
Other construction, all land development and other land	$56,302
Loans secured by nonfarm nonresidential properties	$515,416
Nonfarm nonresidential secured by owner-occupied properties	$166,438
Commercial real estate & other non-farm, non-residential	$348,978
Multifamily residential real estate	$108,934
1-4 family residential loans	$368,495
Farmland loans	$54,218
Loans held in foreign offices	$0
Farm loans	$9,959
Commercial and industrial loans	$148,345
To non-U.S. addressees	$0
Loans to individuals	$2,911
Credit card loans	$0
Related Plans	$695
Consumer Auto Loans	$311
Other loans to individuals	$1,905
All other loans & leases	$75,193
Loans to foreign governments and official institutions	$0
Other loans	$0
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$0
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$1,590
Non 1-4 family restructured loans & leases	$0
Total loans and leases (foreign)	$0

VIST Bank had $1,346,141,000 of loans outstanding in 2018. $1,121,622,000 of loans were in real estate loans. $74,559,000 of loans were in development loans. $108,934,000 of loans were in multifamily mortgage loans. $368,495,000 of loans were in 1-4 family mortgage loans. $9,959,000 of loans were in farm loans. $0 of loans were in credit card loans. $311,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	491	$133,814	$272,534
Nonfarm, nonresidential loans - <$100k	132	$6,665	$50,492
Nonfarm, nonresidential loans - $100-250k	159	$26,689	$167,855
Nonfarm, nonresidential loans - $250k-1MM	200	$100,460	$502,300
Commercial & Industrial, US addressed loans - <$1MM	739	$77,090	$104,317
Commercial & Industrial, US addressed loans - <$100k	537	$16,483	$30,695
Commercial & Industrial, US addressed loans - $100-250k	113	$18,139	$160,522
Commercial & Industrial, US addressed loans - $250k-1MM	89	$42,468	$477,169
Farmland loans - <$1MM	96	$22,710	$236,563
Farmland loans - <$100k	19	$787	$41,421
Farmland loans - $100-250k	36	$6,476	$179,889
Farmland loans - $250k-1MM	41	$15,447	$376,756
Agriculture operations loans - <$1MM	69	$7,071	$102,478
Agriculture operations loans - <$100k	41	$1,726	$42,098
Agriculture operations loans - $100-250k	24	$4,058	$169,083
Agriculture operations loans - $250k-1MM	4	$1,287	$321,750