🏦Bank Scorer

This institution is no longer active

Operations ceased on January 1, 2022. CRA examination history below reflects the period it was active.

VIST BANK

WYOMISSING, PA · Supervised by FDIC

Est. 1891FDIC #7,748RSSD: FDIC-7748
Part ofTOMPKINS FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: July 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.58%

Institution Profile

FDIC BankFind

Address

1240 Broadcasting Road, WYOMISSING, PA

County

Berks County

Established

April 8, 1891

Total Assets

$1.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2020

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2021Call Report / FDIC

Total Assets

$1.9B

Total Deposits

$1.7B

Net Loans

$1.3B

Net Income

$12M

ROA

0.58%

ROE

5.64%

Risk-Based Capital

13.57%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate5.13%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202144888.17%5.13%
202050082%8.40%
201935882.4%9.78%
201834079.12%14.12%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1996

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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