This institution is no longer active

Operations ceased on April 17, 2004. CRA examination history below reflects the period it was active.

VISTA BANK

COLORADO SPRINGS, CO · Supervised by FDIC

Est. 1998FDIC #34,891RSSD: FDIC-34891

Part ofADBANC INC→ View all charters

Satisfactory

Current rating · Exam: February 2001

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.97%

Institution Profile

FDIC BankFind

Address

1310 Garden Of The Gods Road, COLORADO SPRINGS, CO

County

El Paso County

Established

November 2, 1998

Total Assets

$52M(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

February 1, 2001

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 25 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 Q1 2004Call Report / FDIC

Total Assets

$52M

Total Deposits

$34M

Net Loans

$33M

Net Income

$-124K

ROA

-0.97%

ROE

-5.92%

Risk-Based Capital

15.46%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate3.74%Peer avg: 7.63%▲ Above avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	107	92.52%	3.74%
2023	66	87.88%	6.06%
2022	109	90.83%	6.42%
2021	110	95.45%	3.64%
2020	189	67.2%	13.76%
2019	127	96.85%	3.15%
2018	164	96.95%	2.44%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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