Harveyville, KS · Cert 4683 · Vista Holding Co.
National charter · OCC · 1 branch
Q2 2026
Market Position · Topeka, KS · 2026 SOD (annual) · 0.5% share · #26 of 30 inst. · $0.0B of $7.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | -2.73% | 0.06% | -0.95% | -0.42% | -0.63% | -0.55% | -0.37% | +58 bps | |
| Return on Equity | 5.85% | -13.28% | 0.22% | -3.65% | -2.06% | -4.07% | -3.37% | -1.84% | +181 bps | |
| Net Interest Margin | 3.50% | 2.83% | 4.38% | 4.56% | 3.51% | 2.84% | 3.49% | 3.30% | -126 bps | |
| Efficiency Ratio | 90.12% | 118.24% | 98.72% | 115.19% | 113.64% | 126.73% | 125.65% | 118.48% | +329 bps | |
| Non-Interest Burden | 3.12% | 3.44% | 4.32% | 5.28% | 4.01% | 3.62% | 4.38% | 3.90% | -138 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.25% | 123.65% | 97.00% | 132.98% | 214% | 78.42% | 37.00% | 12.43% | -12,055 bps | |
| Loan Growth (YoY) | 3.93% | 158.08% | 162.52% | 208% | 248% | 63.17% | 62.78% | 44.17% | -16,351 bps | |
| Deposit Growth (YoY) | 4.02% | 86.91% | 57.71% | 98.42% | 190.47% | 107.34% | 53.76% | 17.61% | -8,081 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.00% | 0.13% | 0.00% | 0.00% | 0.09% | 0.25% | 0.09% | +9 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | -0.06% | 0.00% | -0.01% | 0.00% | 0.29% | 0.00% | 0 bps | |
| Allowance / Loans | 1.40% | 1.16% | 1.14% | 1.14% | 1.00% | 0.87% | 0.78% | 0.69% | -45 bps | |
| Allowance Coverage of NPLs | 13.0x | n/a | 8.5x | n/a | n/a | 10.2x | 3.1x | 7.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.43% | 23.26% | 25.93% | 26.74% | 18.32% | 15.28% | 19.60% | 17.95% | -880 bps | |
| Total Risk-Based Capital | 18.98% | 42.38% | 44.33% | 35.99% | 18.32% | 15.28% | 19.60% | 17.95% | -1,804 bps | |
| Equity / Assets | 9.72% | 25.57% | 28.27% | 24.11% | 17.42% | 13.99% | 19.97% | 20.84% | -326 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.21% | 80.40% | 95.38% | 91.28% | 69.76% | 63.27% | 100.98% | 111.90% | +2,062 bps | |
| Liquid Assets / Assets | 24.42% | 11.39% | 11.78% | 10.09% | 3.42% | 2.78% | 6.89% | 8.47% | -162 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 14.17% | 12.12% | 10.93% | n/a | n/a | |