Vist Bank Mortgage Rates, Fees & Info
Wyomissing, PALEI: 2549006QZTQTY9OK5S30
Tax ID: 23-0867965
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Mortgage Data
Bank Data
Review & Overview
Vist Bank is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. Vist Bank has a high proportion of conventional loans. Their top markets by origination volume include: Philadelphia, Reading, Pottsville, Lancaster, and Allentown among others. We have data for 12 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 a below average pick rate when compared to similar lenders.
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Originations
410Origination Dollar Volume (All Markets)
$103,510,000Employee count
145Top 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) | 156 | $47,850,000 | $306,731 | $0 | 0.00% |
| READING, PA (FHA|USDA|VA) | 207 | $46,585,000 | $225,048 | $0 | 0.00% |
| Pottsville, PA (FHA|USDA|VA) | 25 | $4,375,000 | $175,000 | $0 | 0.00% |
| LANCASTER, PA (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $0 | 0.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $0 | 0.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $0 | 0.00% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $0 | 0.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| LEBANON, PA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 0.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 410 | $103,510,000 | $252,463 | $0 | 0.00% |
For 2020, Vist Bank's most frequently originated type of loan was Conventional, with 410 originations.
Loan Reason
For 2020, Vist Bank's most frequently cited loan purpose was Home Purchase, with 138 originations. The 2nd most popular reason was Refi, with 132 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 410 | $103,510,000 | $252,463 | $0 | 0.00% |
For 2020, Vist Bank's most frequently cited loan duration was Other, with 410 originations.
Loan Sizing
2020 saw Vist Bank place emphasis on $100k-200k loans with 170 originations, totaling $25,590,000 in origination value.
Applicant Income
Vist Bank lent most frequently to those with incomes in the $100k-150k range, with 91 originations. The second most popular income band? $50k-75k, with 74 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 410 | $103,510,000 | $252,463 | $0 | 0.00% |
Vist Bank lent most frequently to those with DTI ratios of Exempt%, with 410 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.60%
Vist Bank has an average approval rate.
Pick Rate
Approvals leading to origination88.54%
Vist Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 410 | $103,510,000 | $252,463 |
Occupancy Type Mix
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Vist Bank | 100 Plaza Drive Blandon, PA 19510 | Full Service B&M | $62,725 |
| Vist Bank | 101 East Philadelphia Avenue Boyertown, PA 19512 | Full Service B&M | $38,687 |
| Vist Bank | 1199 Berkshire Boulevard Wyomissing, PA 19610 | Full Service B&M | $150,033 |
| Vist Bank | 1210 Rockland Street Reading, PA 19604 | Full Service B&M | $198,300 |
| Vist Bank | 1232 Egypt Road Po Box 859 Oaks, PA 19456 | Full Service B&M | $21,601 |
| Vist Bank | 1240 Broadcasting Road Wyomissing, PA 19610 | Full Service B&M | $89,254 |
| Vist Bank | 1380 Skippack Pike Blue Bell, PA 19422 | Full Service B&M | $69,739 |
| 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 | $60,727 |
| Vist Bank | 237 Route 61 South Schuylkill Haven, PA 17972 | Full Service B&M | $60,362 |
| Vist Bank | 241 South Centre Avenue Leesport, PA 19533 | Full Service B&M | $155,513 |
| Vist Bank | 258 East High Street Pottstown, PA 19464 | Full Service B&M | $69,829 |
| Vist Bank | 3401-3 Pricetown Road Fleetwood, PA 19522 | Full Service B&M | $50,769 |
| Vist Bank | 350 West Main St. Birdsboro, PA 19508 | Full Service B&M | $66,564 |
| Vist Bank | 4361 Perkiomen Ave Reading, PA 19606 | Full Service B&M | $38,560 |
| Vist Bank | 4708 Penn Avenue Sinking Spring, PA 19608 | Full Service B&M | $93,927 |
| Vist Bank | 600 West Lancaster Avenue Strafford, PA 19087 | Full Service B&M | $67,657 |
| Vist Bank | 8000 Verree Road Philadelphia, PA 19111 | Full Service B&M | $36,104 |
| Vist Bank | 801 South Fourth Street Hamburg, PA 19526 | Full Service B&M | $79,091 |
| Vist Bank | 909 West Leesport Road Leesport, PA 19533 | Full Service B&M | $79,266 |
| Vist Bank | One Belmont Avenue Bala Cynwyd, PA 19004 | Full Service B&M | $47,899 |
| Vist Bank | One Reading Drive Wernersville, PA 19565 | Full Service B&M | $4,496 |
| Vist Bank | Po Box 6219, 1240 Broadcasting Road Wyomissing, PA 19610 | Limited, Administrative | $0 |
For 2020, Vist Bank had 23 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $66,398 |
| Net interest income | $56,860 |
| Total noninterest income | $5,398 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $1,118 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $4,280 |
| Pre-tax net operating income | $18,956 |
| Securities gains (or losses, -) | $39 |
| Income before extraordinary items | $15,755 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $15,755 |
| Minority interest net income | $0 |
| Net income | $15,755 |
| Sale, conversion, retirement of capital stock, net | $536 |
| Net operating income | $15,722 |
Vist Bank's gross interest income from loans was $66,398,000.
Vist Bank's net interest income from loans was $56,860,000.
Vist Bank's fee based income from loans was $1,118,000.
Vist Bank's net income from loans was $15,755,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $9,538 |
| Provision for credit losses | $3,304 |
| Total noninterest expense | $39,998 |
| Salaries and employee benefits | $15,214 |
| Premises and equipment expense | $4,221 |
| Additional noninterest expense | $20,563 |
| Applicable income taxes | $3,240 |
| Net charge-offs | $-226 |
| Cash dividends | $6,918 |
Vist Bank's interest expense for loans was $9,538,000.
Vist Bank's payroll and benefits expense were $15,214,000.
Vist Bank's property, plant and equipment expenses $4,221,000.
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 | 0.0% |
| 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 | $1,624,148 |
| Deposits held in domestic offices | $1,624,148 |
| Deposits by Individuals, partnerships, and corporations | $1,270,386 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $348,863 |
| Deposits by Commercial banks and other depository institutions in U.S. | $4,899 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $280,519 |
| Demand deposits | $246,980 |
| Nontransaction accounts | $1,343,629 |
| Money market deposit accounts (MMDAs) | $283,473 |
| Other savings deposits (excluding MMDAs) | $860,566 |
| Total time deposits | $199,590 |
| Total time and savings deposits | $1,377,168 |
| Noninterest-bearing deposits | $462,836 |
| Interest-bearing deposits | $1,161,312 |
| Retail deposits | $1,533,990 |
| IRAs and Keogh plan accounts | $57,289 |
| Brokered deposits | $55,390 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $1,965,902 |
| Cash & Balances due from depository institutions | $122,344 |
| Interest-bearing balances | $107,077 |
| Total securities | $392,902 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $1,337,772 |
| Loan and leases loss allowance | $12,650 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $20,716 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $42,349 |
| All other assets | $49,819 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $1,965,902 |
| Total Liabilities | $1,758,178 |
| Total deposits | $1,624,148 |
| Interest-bearing deposits | $1,161,312 |
| Deposits held in domestic offices | $1,624,148 |
| % insured (estimated) | $63 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $110,000 |
| Subordinated debt | $0 |
| All other liabilities | $24,030 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,337,772 |
| Loan and leases loss allowance | $12,650 |
| Total loans and leases (domestic) | $1,350,422 |
| All real estate loans | $1,114,610 |
| Real estate loans in domestic offices | $1,114,610 |
| Construction and development loans | $53,030 |
| Residential 1-4 family construction | $9,682 |
| Other construction, all land development and other land | $43,348 |
| Loans secured by nonfarm nonresidential properties | $514,498 |
| Nonfarm nonresidential secured by owner-occupied properties | $162,560 |
| Commercial real estate & other non-farm, non-residential | $351,938 |
| Multifamily residential real estate | $63,430 |
| 1-4 family residential loans | $398,227 |
| Farmland loans | $85,425 |
| Loans held in foreign offices | $0 |
| Farm loans | $12,516 |
| Commercial and industrial loans | $175,752 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $3,100 |
| Credit card loans | $0 |
| Related Plans | $530 |
| Consumer Auto Loans | $337 |
| Other loans to individuals | $2,233 |
| All other loans & leases | $44,444 |
| 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 | $2,966 |
| Non 1-4 family restructured loans & leases | $1,559 |
| Total loans and leases (foreign) | $0 |
VIST Bank had $1,337,772,000 of loans outstanding in 2020. $1,114,610,000 of loans were in real estate loans. $53,030,000 of loans were in development loans. $63,430,000 of loans were in multifamily mortgage loans. $398,227,000 of loans were in 1-4 family mortgage loans. $12,516,000 of loans were in farm loans. $0 of loans were in credit card loans. $337,000 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 | 475 | $137,031 | $288,486 |
| Nonfarm, nonresidential loans - <$100k | 120 | $5,928 | $49,400 |
| Nonfarm, nonresidential loans - $100-250k | 155 | $25,619 | $165,284 |
| Nonfarm, nonresidential loans - $250k-1MM | 200 | $105,484 | $527,420 |
| Commercial & Industrial, US addressed loans - <$1MM | 1,217 | $115,583 | $94,974 |
| Commercial & Industrial, US addressed loans - <$100k | 903 | $28,071 | $31,086 |
| Commercial & Industrial, US addressed loans - $100-250k | 188 | $29,827 | $158,654 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 126 | $57,685 | $457,817 |
| Farmland loans - <$1MM | 143 | $32,642 | $228,266 |
| Farmland loans - <$100k | 31 | $1,523 | $49,129 |
| Farmland loans - $100-250k | 53 | $9,568 | $180,528 |
| Farmland loans - $250k-1MM | 59 | $21,551 | $365,271 |
| Agriculture operations loans - <$1MM | 89 | $9,272 | $104,180 |
| Agriculture operations loans - <$100k | 64 | $3,316 | $51,813 |
| Agriculture operations loans - $100-250k | 17 | $2,829 | $166,412 |
| Agriculture operations loans - $250k-1MM | 8 | $3,127 | $390,875 |