This institution is no longer active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

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.97%

Is this bank safe?

VISTA BANK holds a Satisfactory CRA rating (2001), shows financial metrics that merit closer review (ROA -0.97%). Consumers may want to review the details below before banking here.

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%

Below avg for Small banks. Peer avg: 0.44%

ROE

-5.92%

Risk-Based Capital

15.46%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA-0.97%Peer avg: 0.44%▼ Below avg

Risk-Based Capital15.46%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate3.74%Peer avg: 6.90%▼ Fewer than 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%
2020	189	67.2%	13.76%
2019	127	96.85%	3.15%
2018	164	96.95%	2.44%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

This is the only examination on record for this bank.

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