VISTA NATIONAL BANK & TRUST

HARVEYVILLE, KS | Micro | Est. Sept. 20, 1920, midnight | FDIC #4683 | RSSD #931458 | OCC
Latest Report: 2025-12-31

VISTA NATIONAL BANK & TRUST is amn micro FDIC-insured commercial bank headquartered in HARVEYVILLE, KS, established in Sept. 20, 1920, midnight. As of 2025-12-31, the bank reported total assets of $63M and total deposits of $54M. Profitability stands at -0.63% ROA and -4.07% ROE, with a net interest margin of 3.10%. The bank's CET1 capital ratio is 13.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #4683.

Assets

$63M

Deposits

$54M

Loans

$34M

Equity

$9M

Profitability

Return on Assets (ROA) -0.63%
Return on Equity (ROE) -4.07%
Net Interest Margin (NIM) 3.10%
Yield on Assets 6.10%
Cost of Funds 3.05%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 13.99%
Tier 1 Capital 13.99%
Total Capital Ratio 14.69%
Leverage Ratio 15.28%
Loan-to-Deposit 63.27%

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