# VIST BANK
WYOMISSING, PA · FDIC certificate 7748 · asset band $1-10B · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.95B | |
| Deposits | $1.72B | |
| Loans and leases | $1.27B | |
| Total equity | $199.1M | |
| Loans / deposits | 73.07% (p49 of band) | 73.47% |
| Liquid assets / assets | 29.97% (p46 of band) | |
| Uninsured deposits / deposits | 43.24% (p69 of band) | 33.32% |
| Brokered deposits | 0.10% | |
| Wholesale funding | 0.41% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.37% (p21 of band) | 9.53% |
| Unrealized securities loss / equity | -3.67% (p14 of band) | -0.38% |
| AOCI / equity | -3.71% (p19 of band) | |
| ROA (annualized) | 0.58% (p6 of band) | 1.21% |
| Net interest margin | 3.03% (p38 of band) | 3.23% |
| Efficiency ratio | 68.19% (p77 of band) | |
| Noncurrent loans | 0.39% (p55 of band) | 0.34% |
| Net charge-offs (annualized) | 0.32% (p97 of band) | |
| Reserve coverage of noncurrent | 224.16% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 26.13% (p29 of band) | |
| Auto loans | $385,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 142 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 | losing money | leverage <7% |
| 2012-03 | 1 |  | losing money |
| 2012-06 | 1 |  |  |
| 2012-09 | 3 | leverage <7%, NIM <2.5% |  |
| 2012-12 | 4 | deposits shrinking, assets shrinking | leverage <7% |
| 2013-03 | 3 |  | NIM <2.5% |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | assets shrinking |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | wholesale funding >15% |  |
| 2014-09 | 1 |  | deposits shrinking, wholesale funding >15% |
| 2014-12 | 2 | wholesale funding >15% |  |
| 2015-03 | 3 | loans exceed deposits |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 | capital falling | wholesale funding >15% |
| 2015-12 | 3 | wholesale funding >15% | capital falling |
| 2016-03 | 2 |  | reserve under noncurrent |
| 2016-06 | 2 |  |  |
| 2016-09 | 4 | capital falling, reserve under noncurrent |  |
| 2016-12 | 3 |  | capital falling |
| 2017-03 | 2 |  | reserve under noncurrent |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | capital falling |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2019-12 | 0 |  | charge-offs p90 |
| 2020-03 | 1 | loans exceed deposits |  |
| 2020-06 | 0 |  | loans exceed deposits |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 1 | reserve under noncurrent |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 | charge-offs p90 | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-05-11 [Rebranding Effort Simplifies Tompkins VIST Bank Name to “Tompkins” - Berks Community Television](https://news.google.com/rss/articles/CBMirwFBVV95cUxNaTdsR05rTkhfdWU4VTZsZFExNl9HYk5PM1RyTkN3bmROLVFfUDVoUVU2MFZndl9jdFFIeEVxNWMyaE9mMFJfQk05bXhoU0R0OEMteFpCWTBlbU9xZUZ0MjdRekdRS2hlY3pib25nRDlpaHhhWGJITmMyN2VUR0Z0UlZBYl9TaVpEa1lXOHQ0RVFhOEt2RDRFUW9odjk4T3BBNHByMGhnUjNHLVljdnRZ?oc=5) · Berks Community Television
- 2022-06-03 [Ginger Kunkel is new president at Tompkins Community Bank - pottsmerc.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPa0lHTTFvRkYtVlFUaThYT3pGNGdIa3FVc0wyLUxUZk9qelBYMmNMeldndk9iVHNqbzZPeFFTeG8ydXBhbEl0OXRLTWV5bHpCNjluRmJLV293c0hrV2xrSzZ6ZUh6SE9UcUpvbVkzX3Q2YVFsNktvRThCZERpQmo1dnE4QmNGLXRwNVBlLTdaVTA1eFZyYWRmMUp5UQ?oc=5) · pottsmerc.com
- 2025-01-02 [Catherine Keller - Pottsville Republican Herald](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNMkl4OWg4eDZDaTE2SHpaTExFRXlYY1VmSm5tM3FNZFp2akJMRGtQVW5pMzVKZjU5MUFDQklFbGwxeHcyakt2MUxXTmV6bUphTGNacndpZ2EwUnFRSFRjSGw4Z2hQdHVsQ3B0LXhXQnJRSU1BTFE5WHN1WlBJXzFxbktsaC13aVE5?oc=5) · Pottsville Republican Herald
- 2018-09-07 [Tompkins VIST Bank Promotes Anthony Sabolis and Travis Werley - Berks Community Television](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPNTNsT1FSRzN2YTlLTGx4V3QzSjlucjBBdGloUEQxLVp6WnR6a01fMDhGTEVJS3pzdnl6dUZRMXE0ektQcHdmenh4czA3OV9ac3pNTDczU3FLVFVDb092Mk1sTE5NWVZleU0ydGRFWmdBODRvYzJ6OVc2RWVvMGhabUxlb3A2WXFqZTdjT00waFJCeWJCU1o4UGpISl92M0RiZ2tMQ0p3M3VXTUk?oc=5) · Berks Community Television
- 2021-12-01 [Tompkins VIST Bank CEO Scott Gruber to retire - Reading Eagle](https://news.google.com/rss/articles/CBMijgFBVV95cUxQRGlMYUloQl9QWnVYVTlxQm5ZSGN2NDNkdmVYMlV6SENEc1o5aS02d29pVTFZNGRmQVJrQ01PM3hBcVlPMnZWY05rUDR0M2R4TUZBb2FWZG0yVjNmNzJsRUVvUk1HUFBINVJ5LVZ2NzZMT0Q4TGZ0RW9OdmMxRlBDS2JycEREWS02SnowdFRB?oc=5) · Reading Eagle
- 2014-03-04 [Upper Bern Twp man charged in bank robbery | Berks Regional News - WFMZ.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNYVVfd0Y2WFE3VGNub2lrbFViUWJxMDN1NWN5UFNRNHVFOElBSlhMUWJOZ1djVVNvREdCWjJqVk9YdmVoZE1PcWdycElPQ3lXYUNsSUVqWHd4RnJyQjNtZGdPVWF6YlJGeUE1YmNrYVFZLTU4NWNTMW9ielFwblFKaU5LU2YydXhkNk9sV1phbEFOYkRfWG15TVlRMktVUlJrU1UyMkxRaWRFRmZpSndTWWd1UnFESlJZTjhrcWZWWkdBLXl0LWJITg?oc=5) · WFMZ.com
- 2014-01-07 [Business Briefs: Scott Gruber named CEO of VIST Bank - pottsmerc.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNZVhhQ2JHbzVlRUhOZU43MnBhdWRWU2VxLUt0amk2VGJQcHhlRDduSk1fbG53SkpBcEJmQ3VYYVZHejZfbUNRQkhCSVh6cUYwSEJ6Y3lzOGp3bG1VYXNHcE82S09nS1BGZm1XUXhZZl9lMUF0V19mMkJITXdPNU1OcXpCVm1OeHdiUFlLbE1PS0NPUms?oc=5) · pottsmerc.com
- 2020-02-04 [Tompkins VIST Bank Promotes Vaughan, Woodland, Bell - Berks Community Television](https://news.google.com/rss/articles/CBMimwFBVV95cUxQVzlDaS01N0RSdGpFX2lBNDJHc0stSnQ3QmVyMU5TUFQ0eXBaS2cySjRoSHFvZE5CVkpyVFNqNWlpdzJLeTR1OEM2ZGNmb2R2N2pTazhQSk5HbktsNkFFcC1nOWdyb1QzZklCTTczVGdISk9kR2hZaGlyWE1sd0EyeVhDYjAtcnpERk5WU2ZhRWUzRHU0ZExKSHVzYw?oc=5) · Berks Community Television

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7748 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/4.json (key "7748", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide