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. They have a low ratio of USDA loans. Their top markets by origination volume include: Philadelphia, Reading, Pottsville, Lancaster, and Salisbury among others. We have data for 17 markets. (Some data included below & more in-depth data is available with an active subscription.)

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

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Originations

295

Origination Dollar Volume (All Markets)

$75,905,000

Employee count

152

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)	118	$40,890,000	$346,525	$0	0.00%
READING, PA (FHA\|USDA\|VA)	136	$26,130,000	$192,132	$0	0.00%
Pottsville, PA (FHA\|USDA\|VA)	18	$2,420,000	$134,444	$0	0.00%
LANCASTER, PA (FHA\|USDA\|VA)	5	$1,225,000	$245,000	$0	0.00%
SALISBURY, MD-DE (FHA\|USDA\|VA)	3	$1,125,000	$375,000	$0	0.00%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	1	$995,000	$995,000	$0	0.00%
OCEAN CITY, NJ (FHA\|USDA\|VA)	1	$505,000	$505,000	$0	0.00%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	2	$370,000	$185,000	$0	0.00%
CHAMBERSBURG-WAYNESBORO, PA (FHA\|USDA\|VA)	1	$365,000	$365,000	$0	0.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	1	$345,000	$345,000	$0	0.00%
Lewisburg, PA (FHA\|USDA\|VA)	1	$305,000	$305,000	$0	0.00%
EAST STROUDSBURG, PA (FHA\|USDA\|VA)	1	$295,000	$295,000	$0	0.00%
Sunbury, PA (FHA\|USDA\|VA)	2	$240,000	$120,000	$0	0.00%
LEBANON, PA (FHA\|USDA\|VA)	2	$190,000	$95,000	$0	0.00%
STATE COLLEGE, PA (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	0.00%
WILLIAMSPORT, PA (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	0.00%
GETTYSBURG, PA (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	0.00%

Vist Bank's top markets include Philadelphia, Reading, Pottsville, Lancaster, and Salisbury among others.

Their top states include:

Pennsylvania (FHA|USDA|VA)

New Jersey (FHA|USDA|VA)

Maryland (FHA|USDA|VA)

Delaware (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	294	$75,730,000	$257,585	$0	0.00%
USDA	1	$175,000	$175,000	$0	0.00%

For 2019, Vist Bank's most frequently originated type of loan was Conventional, with 294 originations. Their 2nd most popular type was USDA, with 1 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	171	$47,295,000	$276,579	$0	0.00%
Cash Out Refi	61	$15,125,000	$247,951	$0	0.00%
Refi	45	$11,535,000	$256,333	$0	0.00%
Home Improvement	9	$815,000	$90,556	$0	0.00%
Other	9	$1,135,000	$126,111	$0	0.00%

For 2019, Vist Bank's most frequently cited loan purpose was Home Purchase, with 171 originations. The 2nd most popular reason was Cash Out Refi, with 61 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
Other	295	$75,905,000	$257,305	$0	0.00%

For 2019, Vist Bank's most frequently cited loan duration was Other, with 295 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	127	$18,875,000	$148,622	$0	0.00%
$200k-400k	96	$25,580,000	$266,458	$0	0.00%
$100,000 or less	35	$2,355,000	$67,286	$0	0.00%
$400k-600k	19	$9,515,000	$500,789	$0	0.00%
$600k-1MM	12	$9,230,000	$769,167	$0	0.00%
$1MM+	6	$10,350,000	$1,725,000	$0	0.00%

2019 saw Vist Bank place emphasis on $100k-200k loans with 127 originations, totaling $18,875,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k or less	62	$8,390,000	$135,323	$0	0.00%
$100k-150k	52	$11,490,000	$220,962	$0	0.00%
$50k-75k	52	$8,760,000	$168,462	$0	0.00%
$75k-100k	40	$6,940,000	$173,500	$0	0.00%
$150k-250k	23	$6,925,000	$301,087	$0	0.00%
$250k+	22	$12,440,000	$565,455	$0	0.00%

Vist Bank lent most frequently to those with incomes in the $50k or less range, with 62 originations. The second most popular income band? $100k-150k, with 52 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
Exempt%	295	$75,905,000	$257,305	$0	0.00%

Vist Bank lent most frequently to those with DTI ratios of Exempt%, with 295 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	223	$46,775,000	$209,753	$0	0.00%
Not applicable	34	$18,750,000	$551,471	$0	0.00%
Not provided	18	$6,730,000	$373,889	$0	0.00%
Black	15	$2,405,000	$160,333	$0	0.00%
Asian	2	$710,000	$355,000	$0	0.00%
Asian Indian	2	$430,000	$215,000	$0	0.00%
Native Hawaiian or Islander	1	$105,000	$105,000	$0	0.00%

Approval Rates

Total approvals of all applications
90.22%

Vist Bank has an average approval rate.

Pick Rate

Approvals leading to origination
90.85%

Vist Bank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
Exempt	295	$75,905,000	$257,305

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Manufactured	1	$175,000	$175,000
Multifamily:Site-Built	20	$13,700,000	$685,000
Single Family (1-4 Units):Site-Built	274	$62,030,000	$226,387

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
VIST Bank	237 Route 61 South Schuylkill Haven, PA 17972	Full Service B&M	$50,970
VIST Bank	100 Plaza Drive Blandon, PA 19510	Full Service B&M	$57,504
VIST Bank	101 East Philadelphia Avenue Boyertown, PA 19512	Full Service B&M	$27,537
VIST Bank	1199 Berkshire Boulevard Wyomissing, PA 19610	Full Service B&M	$115,187
VIST Bank	1210 Rockland Street Reading, PA 19604	Full Service B&M	$189,534
VIST Bank	1232 Egypt Road Po Box 859 Oaks, PA 19456	Full Service B&M	$22,205
VIST Bank	1240 Broadcasting Road Wyomissing, PA 19610	Full Service B&M	$25,685
VIST Bank	1380 Skippack Pike Blue Bell, PA 19422	Full Service B&M	$62,182
VIST Bank	1767 Sentry Park West Blue Bell, PA 19422	Full Service B&M	$0
VIST Bank	221 Ridge Pike Conshohocken, PA 19428	Full Service B&M	$52,270
VIST Bank	241 South Centre Avenue Leesport, PA 19533	Full Service B&M	$140,694
VIST Bank	258 East High Street Pottstown, PA 19464	Full Service B&M	$53,190
VIST Bank	3401-3 Pricetown Road Fleetwood, PA 19522	Full Service B&M	$38,911
VIST Bank	350 West Main St. Birdsboro, PA 19508	Full Service B&M	$49,772
VIST Bank	4361 Perkiomen Ave Reading, PA 19606	Full Service B&M	$31,848
VIST Bank	4708 Penn Avenue Sinking Spring, PA 19608	Full Service B&M	$77,785
VIST Bank	600 West Lancaster Avenue Strafford, PA 19087	Full Service B&M	$45,772
VIST Bank	8000 Verree Road Philadelphia, PA 19111	Full Service B&M	$49,708
VIST Bank	801 South Fourth Street Hamburg, PA 19526	Full Service B&M	$64,734
VIST Bank	909 West Leesport Road Leesport, PA 19533	Full Service B&M	$64,133
VIST Bank	One Belmont Avenue Bala Cynwyd, PA 19004	Full Service B&M	$37,514
VIST Bank	One Reading Drive Wernersville, PA 19565	Full Service B&M	$4,500
VIST Bank	Po Box 6219, 1240 Broadcasting Road Wyomissing, PA 19610	Limited, Administrative	$0

For 2019, Vist Bank had 23 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$70,080
Net interest income	$52,080
Total noninterest income	$6,271
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$1,456
Trading account gains and fees	$0
Additional Noninterest Income	$4,815
Pre-tax net operating income	$18,318
Securities gains (or losses, -)	$108
Income before extraordinary items	$15,337
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$15,337
Minority interest net income	$0
Net income	$15,337
Sale, conversion, retirement of capital stock, net	$471
Net operating income	$15,247

Vist Bank's gross interest income from loans was $70,080,000.
Vist Bank's net interest income from loans was $52,080,000.
Vist Bank's fee based income from loans was $1,456,000.
Vist Bank's net income from loans was $15,337,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$18,000
Provision for credit losses	$344
Total noninterest expense	$39,689
Salaries and employee benefits	$15,204
Premises and equipment expense	$4,213
Additional noninterest expense	$20,272
Applicable income taxes	$3,089
Net charge-offs	$3,490
Cash dividends	$10,407

Vist Bank's interest expense for loans was $18,000,000.
Vist Bank's payroll and benefits expense were $15,204,000.
Vist Bank's property, plant and equipment expenses $4,213,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	1.0%
HELOC loans	1.0%
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	$1,348,295
Deposits held in domestic offices	$1,348,295
Deposits by Individuals, partnerships, and corporations	$1,056,510
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$287,469
Deposits by Commercial banks and other depository institutions in U.S.	$4,316
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$225,124
Demand deposits	$199,931
Nontransaction accounts	$1,123,171
Money market deposit accounts (MMDAs)	$286,087
Other savings deposits (excluding MMDAs)	$666,584
Total time deposits	$170,500
Total time and savings deposits	$1,148,364
Noninterest-bearing deposits	$316,615
Interest-bearing deposits	$1,031,680
Retail deposits	$1,304,087
IRAs and Keogh plan accounts	$55,317
Brokered deposits	$11,976
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$1,769,026
Cash & Balances due from depository institutions	$84,008
Interest-bearing balances	$64,722
Total securities	$237,033
Federal funds sold & reverse repurchase	$0
Net loans and leases	$1,333,271
Loan and leases loss allowance	$8,744
Trading account assets	$0
Bank premises and fixed assets	$22,842
Other real estate owned	$35
Goodwill and other intangibles	$43,263
All other assets	$48,574

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$1,769,026
Total Liabilities	$1,573,731
Total deposits	$1,348,295
Interest-bearing deposits	$1,031,680
Deposits held in domestic offices	$1,348,295
% insured (estimated)	$53
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$216,783
Subordinated debt	$0
All other liabilities	$8,653

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$1,333,271
Loan and leases loss allowance	$8,744
Total loans and leases (domestic)	$1,342,015
All real estate loans	$1,139,151
Real estate loans in domestic offices	$1,139,151
Construction and development loans	$87,260
Residential 1-4 family construction	$12,494
Other construction, all land development and other land	$74,766
Loans secured by nonfarm nonresidential properties	$514,398
Nonfarm nonresidential secured by owner-occupied properties	$165,435
Commercial real estate & other non-farm, non-residential	$348,963
Multifamily residential real estate	$79,779
1-4 family residential loans	$390,332
Farmland loans	$67,382
Loans held in foreign offices	$0
Farm loans	$11,831
Commercial and industrial loans	$120,980
To non-U.S. addressees	$0
Loans to individuals	$3,452
Credit card loans	$0
Related Plans	$798
Consumer Auto Loans	$330
Other loans to individuals	$2,324
All other loans & leases	$66,602
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	$3,057
Non 1-4 family restructured loans & leases	$0
Total loans and leases (foreign)	$0

VIST Bank had $1,333,271,000 of loans outstanding in 2019. $1,139,151,000 of loans were in real estate loans. $87,260,000 of loans were in development loans. $79,779,000 of loans were in multifamily mortgage loans. $390,332,000 of loans were in 1-4 family mortgage loans. $11,831,000 of loans were in farm loans. $0 of loans were in credit card loans. $330,000 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	496	$135,866	$273,923
Nonfarm, nonresidential loans - <$100k	128	$6,208	$48,500
Nonfarm, nonresidential loans - $100-250k	173	$28,816	$166,566
Nonfarm, nonresidential loans - $250k-1MM	195	$100,842	$517,138
Commercial & Industrial, US addressed loans - <$1MM	728	$72,674	$99,827
Commercial & Industrial, US addressed loans - <$100k	540	$16,682	$30,893
Commercial & Industrial, US addressed loans - $100-250k	104	$17,394	$167,250
Commercial & Industrial, US addressed loans - $250k-1MM	84	$38,598	$459,500
Farmland loans - <$1MM	120	$28,175	$234,792
Farmland loans - <$100k	25	$1,106	$44,240
Farmland loans - $100-250k	43	$7,901	$183,744
Farmland loans - $250k-1MM	52	$19,168	$368,615
Agriculture operations loans - <$1MM	93	$9,296	$99,957
Agriculture operations loans - <$100k	64	$2,889	$45,141
Agriculture operations loans - $100-250k	22	$3,584	$162,909
Agriculture operations loans - $250k-1MM	7	$2,823	$403,286