Vist Bank Mortgage Rates, Fees & Info

Wyomissing, PA

LEI: 2549006QZTQTY9OK5S30

Tax ID: 23-0867965

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

Review & Overview

Vist Bank is a smaller bank specializing in Cash Out Refi, Home Purchase, and Refi loans. Vist Bank has a high proportion of conventional loans. Their top markets by origination volume include: Philadelphia, Reading, Lebanon, Pottsville, and Lancaster 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 an above average pick rate when compared to similar lenders.

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Originations

395

Origination Dollar Volume (All Markets)

$117,055,000

Employee count

142

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)	148	$64,620,000	$436,622	$0	0.00%
READING, PA (FHA\|USDA\|VA)	206	$43,530,000	$211,311	$0	0.00%
LEBANON, PA (FHA\|USDA\|VA)	11	$2,355,000	$214,091	$0	0.00%
Pottsville, PA (FHA\|USDA\|VA)	14	$2,250,000	$160,714	$0	0.00%
LANCASTER, PA (FHA\|USDA\|VA)	6	$1,220,000	$203,333	$0	0.00%
Outside of Metro Areas	3	$815,000	$271,667	$0	0.00%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	1	$765,000	$765,000	$0	0.00%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	1	$435,000	$435,000	$0	0.00%
BLOOMSBURG-BERWICK, PA (FHA\|USDA\|VA)	1	$405,000	$405,000	$0	0.00%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	2	$340,000	$170,000	$0	0.00%
Corning, NY (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	0.00%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	0.00%

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

Their top states include:

Pennsylvania (FHA|USDA|VA)

Maryland (FHA|USDA|VA)

New Jersey (FHA|USDA|VA)

New York (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	395	$117,055,000	$296,342	$0	0.00%

For 2021, Vist Bank's most frequently originated type of loan was Conventional, with 395 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Cash Out Refi	141	$35,495,000	$251,738	$0	0.00%
Home Purchase	139	$52,815,000	$379,964	$0	0.00%
Refi	100	$26,120,000	$261,200	$0	0.00%
Home Improvement	11	$2,045,000	$185,909	$0	0.00%
Other	4	$580,000	$145,000	$0	0.00%

For 2021, Vist Bank's most frequently cited loan purpose was Cash Out Refi, with 141 originations. The 2nd most popular reason was Home Purchase, with 139 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
Other	395	$117,055,000	$296,342	$0	0.00%

For 2021, Vist Bank's most frequently cited loan duration was Other, with 395 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	154	$23,010,000	$149,416	$0	0.00%
$200k-400k	132	$35,560,000	$269,394	$0	0.00%
$100,000 or less	40	$2,780,000	$69,500	$0	0.00%
$400k-600k	34	$16,310,000	$479,706	$0	0.00%
$600k-1MM	24	$17,890,000	$745,417	$0	0.00%
$1MM+	11	$21,505,000	$1,955,000	$0	0.00%

2021 saw Vist Bank place emphasis on $100k-200k loans with 154 originations, totaling $23,010,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	81	$14,935,000	$184,383	$0	0.00%
$75k-100k	73	$13,115,000	$179,658	$0	0.00%
$150k-250k	58	$20,710,000	$357,069	$0	0.00%
$100k-150k	51	$13,065,000	$256,176	$0	0.00%
$50k or less	50	$6,680,000	$133,600	$0	0.00%
$250k+	23	$12,655,000	$550,217	$0	0.00%

Vist Bank lent most frequently to those with incomes in the $50k-75k range, with 81 originations. The second most popular income band? $75k-100k, with 73 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
Exempt%	395	$117,055,000	$296,342	$0	0.00%

Vist Bank lent most frequently to those with DTI ratios of Exempt%, with 395 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	296	$71,120,000	$240,270	$0	0.00%
Not applicable	55	$34,965,000	$635,727	$0	0.00%
Not provided	34	$8,540,000	$251,176	$0	0.00%
Black	7	$1,175,000	$167,857	$0	0.00%
Asian	2	$1,150,000	$575,000	$0	0.00%
Asian Indian	1	$105,000	$105,000	$0	0.00%

Approval Rates

Total approvals of all applications
94.87%

Vist Bank has an average approval rate.

Pick Rate

Approvals leading to origination
92.41%

Vist Bank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
Exempt	395	$117,055,000	$296,342

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	395	$117,055,000	$296,342

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Vist Bank	100 Plaza Drive Blandon, PA 19510	Full Service B&M	$72,156
Vist Bank	101 East Philadelphia Avenue Boyertown, PA 19512	Full Service B&M	$52,532
Vist Bank	1199 Berkshire Boulevard Wyomissing, PA 19610	Full Service B&M	$178,312
Vist Bank	1210 Rockland Street Reading, PA 19604	Full Service B&M	$214,587
Vist Bank	1232 Egypt Road Po Box 859 Oaks, PA 19456	Full Service B&M	$22,935
Vist Bank	1240 Broadcasting Rd Wyomissing, PA 19610	Limited, Administrative	$0
Vist Bank	1240 Broadcasting Road Wyomissing, PA 19610	Full Service B&M	$5,248
Vist Bank	1380 Skippack Pike Blue Bell, PA 19422	Full Service B&M	$79,408
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	$60,331
Vist Bank	237 Route 61 South Schuylkill Haven, PA 17972	Full Service B&M	$67,467
Vist Bank	241 South Centre Avenue Leesport, PA 19533	Full Service B&M	$185,784
Vist Bank	258 East High Street Pottstown, PA 19464	Full Service B&M	$85,434
Vist Bank	3401-3 Pricetown Road Fleetwood, PA 19522	Full Service B&M	$55,801
Vist Bank	350 West Main St. Birdsboro, PA 19508	Full Service B&M	$78,660
Vist Bank	4361 Perkiomen Ave Reading, PA 19606	Full Service B&M	$44,953
Vist Bank	4708 Penn Avenue Sinking Spring, PA 19608	Full Service B&M	$111,629
Vist Bank	600 West Lancaster Avenue Strafford, PA 19087	Full Service B&M	$50,562
Vist Bank	8000 Verree Road Philadelphia, PA 19111	Full Service B&M	$49,099
Vist Bank	801 South Fourth Street Hamburg, PA 19526	Full Service B&M	$93,426
Vist Bank	909 West Leesport Road Leesport, PA 19533	Full Service B&M	$90,436
Vist Bank	One Belmont Avenue Bala Cynwyd, PA 19004	Full Service B&M	$55,082
Vist Bank	One Reading Drive Wernersville, PA 19565	Full Service B&M	$3,742

For 2021, Vist Bank had 23 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$62,031
Net interest income	$56,428
Total noninterest income	$4,942
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$1,196
Trading account gains and fees	$0
Additional Noninterest Income	$3,746
Pre-tax net operating income	$13,921
Securities gains (or losses, -)	$-109
Income before extraordinary items	$11,546
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$11,546
Minority interest net income	$0
Net income	$11,546
Sale, conversion, retirement of capital stock, net	$520
Net operating income	$11,637

Vist Bank's gross interest income from loans was $62,031,000.
Vist Bank's net interest income from loans was $56,428,000.
Vist Bank's fee based income from loans was $1,196,000.
Vist Bank's net income from loans was $11,546,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$5,603
Provision for credit losses	$4,696
Total noninterest expense	$42,753
Salaries and employee benefits	$15,380
Premises and equipment expense	$4,478
Additional noninterest expense	$22,895
Applicable income taxes	$2,266
Net charge-offs	$6,418
Cash dividends	$13,286

Vist Bank's interest expense for loans was $5,603,000.
Vist Bank's payroll and benefits expense were $15,380,000.
Vist Bank's property, plant and equipment expenses $4,478,000.

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	$1,717,486
Deposits held in domestic offices	$1,717,486
Deposits by Individuals, partnerships, and corporations	$1,355,978
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$359,273
Deposits by Commercial banks and other depository institutions in U.S.	$2,235
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$235,205
Demand deposits	$203,010
Nontransaction accounts	$1,482,281
Money market deposit accounts (MMDAs)	$321,916
Other savings deposits (excluding MMDAs)	$982,549
Total time deposits	$177,816
Total time and savings deposits	$1,514,476
Noninterest-bearing deposits	$503,199
Interest-bearing deposits	$1,214,287
Retail deposits	$1,662,038
IRAs and Keogh plan accounts	$56,189
Brokered deposits	$1,920
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$1,945,388
Cash & Balances due from depository institutions	$15,864
Interest-bearing balances	$6,676
Total securities	$567,092
Federal funds sold & reverse repurchase	$0
Net loans and leases	$1,254,965
Loan and leases loss allowance	$10,968
Trading account assets	$0
Bank premises and fixed assets	$19,710
Other real estate owned	$0
Goodwill and other intangibles	$41,458
All other assets	$46,299

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$1,945,388
Total Liabilities	$1,746,278
Total deposits	$1,717,486
Interest-bearing deposits	$1,214,287
Deposits held in domestic offices	$1,717,486
% insured (estimated)	$57
Federal funds purchased and repurchase agreements	$6,000
Trading liabilities	$0
Other borrowed funds	$0
Subordinated debt	$0
All other liabilities	$22,792

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$1,254,965
Loan and leases loss allowance	$10,968
Total loans and leases (domestic)	$1,265,933
All real estate loans	$1,106,094
Real estate loans in domestic offices	$1,106,094
Construction and development loans	$52,025
Residential 1-4 family construction	$7,895
Other construction, all land development and other land	$44,130
Loans secured by nonfarm nonresidential properties	$492,250
Nonfarm nonresidential secured by owner-occupied properties	$137,835
Commercial real estate & other non-farm, non-residential	$354,415
Multifamily residential real estate	$63,267
1-4 family residential loans	$411,127
Farmland loans	$87,425
Loans held in foreign offices	$0
Farm loans	$12,584
Commercial and industrial loans	$114,008
To non-U.S. addressees	$0
Loans to individuals	$3,014
Credit card loans	$0
Related Plans	$864
Consumer Auto Loans	$385
Other loans to individuals	$1,765
All other loans & leases	$30,233
Loans to foreign governments and official institutions	$0
Other loans	$256
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	$2,520
Non 1-4 family restructured loans & leases	$1,553
Total loans and leases (foreign)	$0

VIST Bank had $1,254,965,000 of loans outstanding in 2021. $1,106,094,000 of loans were in real estate loans. $52,025,000 of loans were in development loans. $63,267,000 of loans were in multifamily mortgage loans. $411,127,000 of loans were in 1-4 family mortgage loans. $12,584,000 of loans were in farm loans. $0 of loans were in credit card loans. $385,000 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	448	$136,527	$304,748
Nonfarm, nonresidential loans - <$100k	104	$5,035	$48,413
Nonfarm, nonresidential loans - $100-250k	138	$22,336	$161,855
Nonfarm, nonresidential loans - $250k-1MM	206	$109,156	$529,883
Commercial & Industrial, US addressed loans - <$1MM	747	$75,094	$100,527
Commercial & Industrial, US addressed loans - <$100k	557	$17,072	$30,650
Commercial & Industrial, US addressed loans - $100-250k	106	$17,132	$161,623
Commercial & Industrial, US addressed loans - $250k-1MM	84	$40,890	$486,786
Farmland loans - <$1MM	150	$33,182	$221,213
Farmland loans - <$100k	32	$1,817	$56,781
Farmland loans - $100-250k	63	$11,246	$178,508
Farmland loans - $250k-1MM	55	$20,119	$365,800
Agriculture operations loans - <$1MM	96	$9,186	$95,688
Agriculture operations loans - <$100k	67	$3,381	$50,463
Agriculture operations loans - $100-250k	21	$2,840	$135,238
Agriculture operations loans - $250k-1MM	8	$2,965	$370,625