Ames, IA · Cert 11763 · Visionbankshares Inc.
State charter, Fed member · FED · 13 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
51
Profitability
56
Liquidity
3
Efficiency
58
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ames, IA · Cert 11763 · Visionbankshares Inc.
State charter, Fed member · FED · 13 branches
Q2 2026
Market Position · Ames, IA · 2026 SOD (annual) · 10.0% share · #3 of 26 inst. · $0.4B of $3.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.88% | 0.89% | 0.98% | 1.04% | 1.08% | 1.16% | 1.22% | +24 bps | |
| Return on Equity | 9.31% | 9.16% | 9.24% | 10.17% | 10.66% | 10.99% | 11.35% | 11.87% | +170 bps | |
| Net Interest Margin | 3.06% | 2.96% | 3.22% | 3.33% | 3.40% | 3.35% | 3.58% | 3.60% | +27 bps | |
| Efficiency Ratio | 67.12% | 66.40% | 66.80% | 63.79% | 62.75% | 62.22% | 63.66% | 61.81% | -198 bps | |
| Non-Interest Burden | 1.88% | 1.80% | 2.00% | 1.95% | 1.95% | 1.89% | 2.06% | 2.01% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.85% | 11.07% | 10.15% | 8.28% | 1.42% | -0.35% | -1.30% | -1.86% | -1,014 bps | |
| Loan Growth (YoY) | 10.61% | 14.04% | 12.75% | 6.87% | 7.03% | 0.30% | 1.20% | -0.20% | -707 bps | |
| Deposit Growth (YoY) | 11.05% | 11.47% | 10.27% | 9.96% | 1.52% | 0.47% | -1.85% | -1.63% | -1,158 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.15% | 0.23% | 0.34% | 0.41% | 0.77% | 0.72% | 0.71% | +37 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.01% | 0.02% | 0.01% | 0.00% | 0.01% | -1 bps | |
| Allowance / Loans | 1.04% | 1.04% | 1.06% | 1.09% | 1.08% | 1.10% | 1.09% | 1.11% | +2 bps | |
| Allowance Coverage of NPLs | 35.7x | 6.8x | 4.6x | 3.2x | 2.7x | 1.4x | 1.5x | 1.6x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.86% | 8.55% | 8.76% | 8.93% | 8.89% | 8.91% | 9.28% | 9.43% | +50 bps | |
| Total Risk-Based Capital | 10.78% | 10.56% | 10.94% | 11.33% | 11.10% | 11.28% | 11.51% | 12.04% | +71 bps | |
| Equity / Assets | 9.65% | 9.51% | 9.64% | 9.80% | 9.90% | 10.14% | 10.28% | 10.54% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.41% | 101.82% | 101.26% | 98.09% | 102.69% | 101.65% | 104.40% | 99.51% | +142 bps | |
| Liquid Assets / Assets | 6.50% | 2.94% | 4.76% | 5.88% | 3.16% | 3.98% | 3.53% | 4.75% | -113 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 573% | 557% | 550% | n/a | n/a | |
Ames, IA · Cert 11763 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Visionbankshares Inc.
State charter, Fed member · FED · 13 branches
Q2 2026
Return on Assets
1.23%
Rank 279 of 746
Net Interest Margin
3.60%
Rank 400 of 746
Efficiency Ratio
61.81%
Rank 313 of 746
Equity / Assets
10.54%
Rank 369 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.23% | 0.72% | 1.06% | 1.45% | Beats 63% | 279 / 746 | ||
| Return on Equity | 11.64% | 6.74% | 10.51% | 13.63% | Beats 60% | 295 / 746 | ||
| Net Interest Margin | 3.60% | 3.17% | 3.68% | 4.16% | Beats 46% | 400 / 746 | ||
| Efficiency Ratio | 61.81% | 55.74% | 64.58% | 75.47% | Beats 58% | 313 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.71% | 0.09% | 0.42% | 1.07% | Beats 37% | 470 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 64% | 274 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.95% | 11.55% | 13.75% | 17.60% | Beats 18% | 608 / 746 | ||
| Total Risk-Based Capital Ratio | 12.04% | 11.71% | 14.33% | 18.43% | Beats 28% | 535 / 746 | ||
| Equity / Assets | 10.54% | 8.90% | 10.51% | 13.06% | Beats 51% | 369 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.51% | 61.31% | 78.27% | 90.78% | 89th pctl | 79 / 746 | ||
| Loans / Assets | 84.27% | 53.60% | 66.97% | 76.08% | 94th pctl | 46 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||