Visionbank of Iowa
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
$896.1MAssets
$755.1MLoans
$758.9MDeposits
$94.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 64% of banks under $1B in assets operating in a single state (rank 274 of 743).
- Widest gap: tier 1 capital ratio trails 82% of banks under $1B in assets operating in a single state (rank 608 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $18.3M · efficiency ratio beats 58% of banks under $1B in assets operating in a single state | 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 |