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 (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 | 0.91% | 0.82% | 0.89% | 1.08% | 1.14% | 1.19% | 1.16% | 1.29% | +21 bps | |
| Return on Equity | 9.39% | 8.59% | 9.24% | 11.07% | 11.56% | 11.90% | 11.35% | 12.40% | +133 bps | |
| Net Interest Margin | 3.14% | 3.13% | 3.22% | 3.44% | 3.52% | 3.39% | 3.58% | 3.66% | +22 bps | |
| Efficiency Ratio | 66.47% | 64.40% | 66.80% | 60.95% | 60.78% | 60.72% | 63.66% | 60.00% | -95 bps | |
| Non-Interest Burden | 1.90% | 1.84% | 2.00% | 1.91% | 1.95% | 1.83% | 2.06% | 1.98% | +7 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 | 0.02% | -0.01% | 0.00% | 0.02% | 0.03% | -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 | |