Exhibit 99.1



For additional information, contact:


Edward C. Barrett

Executive Vice President

Chief Financial Officer

Daytime: 610.603.7251









For Immediate Release


October 26, 2010


VIST Financial Corp. Announces 2010 Third Quarter Earnings & Cash Dividend


Wyomissing, PA: VIST Financial Corp. (“Company”) (NASDAQ: VIST) reported net income for the nine months ended September 30, 2010 of $2,637,000, a $2,459,000 increase over net income of $178,000 for the same period in 2009.  The Company also reported net loss for the three months ended September 30, 2010 of $602,000, a $757,000 decrease over a net income of $155,000 for the same period in 2009.


The Company further reported that the board of directors declared a cash dividend of $0.05 per share on the Company’s common stock to shareholders of record on November 5, 2010 payable November 15, 2010.


Commenting on the third quarter 2010, Robert D. Davis, President and Chief Executive Officer of VIST Financial Corp. said, “We are pleased with the progress we are making in our core operating results, however, those positive results continue to be significantly offset by additional credit provisions, elevated other real estate owned (“OREO”) expense and non-cash, other than temporary impairment (“OTTI”) charges.  Consistent with our prior public commentary, the lagging effects of the recession on our national and regional business climate will continue to influence our financial performance for some time to come.”


“During the quarter, we experienced strong loan growth of $32 million or 3.6% over the second quarter of this year.  We expect this growth to continue through the fourth quarter.  Our sales force also generated equally strong core deposit growth.”


Davis continued, “We experienced an improvement in our net interest margin which we expect to remain stable through the balance of this year.  Importantly, our non-interest, fee-based revenue from retail banking, insurance, residential mortgage, and wealth management businesses represents 32% of our total net revenue.”


Commenting on capital strength, Davis continued, “As reported during the second quarter of this year, we raised $5.2 million in new capital through the issuance of 644,000 shares of common stock at $8 per share to two institutional investors who specialize in the banking sector.  The Company’s capital ratios continue to exceed all regulatory guidelines for a well-capitalized institution.”


The following information was filed by Vist Financial Corp on Thursday, October 28, 2010 as an 8K 2.02 statement, which is an earnings press release pertaining to results of operations and financial condition. It may be helpful to assess the quality of management by comparing the information in the press release to the information in the accompanying 10-Q Quarterly Report statement of earnings and operation as management may choose to highlight particular information in the press release.

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