FDIC Cert #4683 · Harveyville, Kansas · Est. 1920

Vista National Bank & Trust - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$63M
Total assets
C
Health grade · Fair
-0.49%
Return on assets
15.3%
Tier 1 capital

Data updated July 2026

The verdict

Vista National Bank & Trust earns a PlainBankData health grade of C (60/100), with well-capitalized at 15.28% Tier 1, -0.49% ROA, 114% efficiency ratio.

#4,031
largest of 4,313 FDIC banks by assets
6th
percentile by asset size, nationally
15.28%
Tier 1 ratio - above the 10% well-capitalized line
3rd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 4683 · KS C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3833/4307
  • PHOTO-FINISH Horizon Bank · IN
  • TIER1-WELL 15.3% Tier 1
  • TEXAS-CLEAN 0.3% Texas
  • ROA-LOSS -0.49% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: Horizon Bank, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Vista National Bank & Trust

Lowest and highest poles plus nearest scored peers outside Kansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Bank Blue Earth · MN ·…60/100Horizon Bank · IN · near60/100Star Bank · MN · near60/100The First National B… · MI ·…60/100Vista National Bank… · KS · …60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Vista National Bank & Trust · July 2026

Call Report read for Vista National Bank & Trust in a high-failure state

Vista National Bank & Trust (FDIC Cert #4683) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,833 of 4,307. Tier 1 capital prints at 15.28%, clearing the 10% well-capitalized line. The Texas Ratio is 0.32%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.49%. Balance-sheet scale is $63M, 4,031st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Horizon Bank (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Vista National Bank & Trust

12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus

Vista National Bank & Trust sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Vista National Bank & Trust's current Call Report.

  • HEARTLAND TRI-STATE BANK ELKHART, KS 2023 → DREAM FIRST BANK,NATIONAL ASSOCIATION
  • ALMENA STATE BANK ALMENA, KS 2020 → EQUITY BANK
  • THE FARMERS AND MERCHANTS STATE BANK OF ARGONIA ARGONIA, KS 2017 → CONWAY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kansas banks.

How Vista National Bank & Trust's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
Vista National Bank & Trust's composite health score
Tier 1 Capital Ratio (15.28%) 40/40
Return on Assets (ROA) (-0.49%) 0/25
Texas Ratio (0.32%) 20/20
Efficiency Ratio (113.81%) 0/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$63M

Total balance-sheet footings

Total Deposits

$54M

Customer-funded liabilities

Net Loans

$34M

Outstanding loan book

Net Income

$-213K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.88% 15.28% 16.68%
Basel III capital ratios - Vista National Bank & Trust

Where Vista National Bank & Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Vista National Bank & Trust's score of 60/100 falls in the highlighted band.

Vista National Bank & Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 11th percentile higher than 11% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Vista National Bank & Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Vista National Bank & Trust's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Vista National Bank & Trust's $63M falls in the highlighted band.

Capital & credit buffers at Vista National Bank & Trust

Tier 1 capital ratio
Well-capitalized 10%

15.28% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.28%
Texas Ratio
0.32%
Equity Capital
$9M

What these ratios mean →

Profitability metrics: Vista National Bank & Trust

Return on Assets (ROA)
3rd percentile nationally
-0.49%
Return on Equity (ROE)
-2.38%
Efficiency Ratio
113.81%

What these mean →

Income & expense: loss period at Vista National Bank & Trust

$3M
Interest Income
$53K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Vista National Bank & Trust reports a Texas Ratio of 0.32% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.32% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Vista National Bank & Trust

Vista National Bank & Trust's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-213K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Vista National Bank & Trust up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Vista National Bank & Trust on FDIC BankFind →

Top banks in Kansas by total assets

Largest banks headquartered in Kansas
  1. 1
    Capitol Federal Savings Bank $9.8B

    Topeka, KS · Grade C

  2. 2
    Intrust Bank $7.0B

    Wichita, KS · Grade B

  3. 3
    Equity Bank $6.3B

    Andover, KS · Grade B

  4. 4
    Security Bank of Kansas City $3.8B

    Kansas City, KS · Grade A

  5. 5
    Fidelity Bank $3.3B

    Wichita, KS · Grade B

Top 5 banks in Kansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($63M here), outside Kansas so the neighborhood is not state containment.

The Blue Grass Valley Bank $63M · VA Grant County Bank $63M · OK Citizens State Bank of Luling $63M · TX Versailles Savings and Loan Company $63M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Vista National Bank & Trust (FDIC Cert #4683) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Vista National Bank & Trust Call Report profile · FDIC Failed Bank List · Kansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kansas

All Kansas banks →
BankAssetsGradeROA
Capitol Federal Savings BankTopeka $9.8B C 0.76%
Intrust Bank, National AssociationWichita $7.0B B 1.20%
Equity BankAndover $6.3B B 0.55%
Security Bank of Kansas CityKansas City $3.8B A 1.37%
Fidelity Bank, National AssociationWichita $3.3B B 0.99%
Emprise BankWichita $2.8B B 1.32%
KS StateBankManhattan $2.6B A 1.69%
Community National Bank & TrustChanute $2.5B B 0.96%