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Vision Bank

Ada, OK · Cert 4029 · Vision Bancshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

Basis

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.

Peer group

Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

42

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

30

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Vision Bank

Ada, OK · Cert 4029 · Vision Bancshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$999.6MAssets
$705.4MLoans
$836.0MDeposits
$73.4MEquity
Loan mix
87%RE $602.6M8%C&I $57.7M5%Consumer $36.3MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $654.8M22%Noninterest $181.2MQ2 2025Q2 2026

NIM

4.80%Q2 ’245.25%Q2 ’255.27%Q2 ’26+22%-2%

Non-interest income vs. expense

3.07%Q2 ’243.34%Q2 ’253.27%Q2 ’26+6%-6%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.3% share · #48 of 71 inst. · $0.2B of $60.8B

18.4% Pontotoc
47.3% Murray
17.9% Lincoln
1.8% Bryan

Executive Summary

  • Earnings: ROA of 1.01%, up 5 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 2.59% of loans (+158 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.20%, down 17 bps from a year ago.
  • Funding: loans stand at 84.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.73%-9 bps YoY

Efficiency Ratio (YTD, annualized)

69.22%-121 bps YoY

Tier 1 Leverage Ratio

9.20%-17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.96%0.88%1.13%1.01%+5 bps
Return on Equity14.79%14.22%12.83%15.27%13.70%-109 bps
Net Interest Margin3.82%3.85%3.85%3.79%3.73%-9 bps
Efficiency Ratio70.42%70.89%71.40%69.32%69.22%-121 bps
Non-Interest Burden2.41%2.47%2.49%2.27%2.27%-14 bps
Growth
Asset Growth (YoY)-5.75%-1.72%-0.97%3.68%6.35%+1,210 bps
Loan Growth (YoY)2.77%1.81%3.15%2.73%1.55%-122 bps
Deposit Growth (YoY)-9.41%-3.33%-1.21%4.76%8.29%+1,770 bps
Asset Quality
Nonperforming Loans / Loans1.01%1.22%2.82%2.58%2.59%+158 bps
Net Charge-Offs / Loans0.22%0.19%0.14%0.05%0.02%-21 bps
Allowance / Loans1.45%1.47%1.62%1.65%1.75%+30 bps
Allowance Coverage of NPLs1.4x1.2x0.6x0.6x0.7x-0.8x
Capital
Tier 1 Leverage Ratio9.36%9.59%9.48%9.10%9.20%-17 bps
Total Risk-Based Capital14.29%14.57%14.25%13.87%14.38%+9 bps
Equity / Assets6.74%7.45%7.43%7.32%7.35%+61 bps
Liquidity & Funding
Loans / Deposits89.99%90.01%89.08%85.57%84.38%-560 bps
Liquid Assets / Assets0.26%0.35%0.78%0.71%0.69%+44 bps
CRE / Total Capitaln/a257%254%260%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Vision Bank

Ada, OK · Cert 4029 · Peer group: banks under $1B in assets in OK (n=88-89) · Vision Bancshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$999.6MAssets
$705.4MLoans
$836.0MDeposits
$73.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 62% of banks under $1B in assets in OK (rank 34 of 89).
  • Widest gap: equity / assets trails 91% of banks under $1B in assets in OK (rank 81 of 89).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.99%

Rank 61 of 89

Net Interest Margin

3.73%

Rank 53 of 89

Efficiency Ratio

69.22%

Rank 63 of 89

Equity / Assets

7.35%

Rank 81 of 89

Non-interest income vs. expense

$10.2M$33.6MINCOMEEXPENSE
Unfavorable gap of $23.4M · efficiency ratio beats 30% of banks under $1B in assets in OK
Bank 69.22%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.99%0.85%1.26%1.60%Beats 31%61 / 89
Return on Equity13.51%7.40%11.89%14.65%Beats 62%34 / 89
Net Interest Margin3.73%3.46%3.93%4.45%Beats 40%53 / 89
Efficiency Ratio69.22%54.70%60.95%71.14%Beats 30%63 / 89
Asset Quality
Nonperforming Loans / Loans2.59%0.30%0.82%2.25%Beats 19%72 / 88
Net Charge-Offs / Loans0.02%0.00%0.03%0.20%Beats 53%42 / 88
Capital
Tier 1 Capital Ratio13.13%10.89%13.00%16.33%Beats 56%39 / 89
Total Risk-Based Capital Ratio14.38%11.20%13.06%16.33%Beats 61%35 / 89
Equity / Assets7.35%9.26%10.94%13.52%Beats 9%81 / 89
Liquidity & Funding
Loans / Deposits84.38%61.51%72.27%84.01%76th pctl21 / 88
Loans / Assets70.57%52.51%63.15%71.27%69th pctl28 / 89
Brokered Deposits / Depositsn/aNot reported for this institution