Vision Bank
Ada, OK · Cert 4029 · Peer group: banks under $1B in assets in OK (n=87-88) · 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 63% of banks under $1B in assets in OK (rank 33 of 88).
- Widest gap: equity / assets trails 91% of banks under $1B in assets in OK (rank 80 of 88).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.99%
Rank 60 of 88
Net Interest Margin
3.73%
Rank 53 of 88
Efficiency Ratio
69.22%
Rank 62 of 88
Equity / Assets
7.35%
Rank 80 of 88
Non-interest income vs. expense
Unfavorable gap of $23.4M · efficiency ratio beats 31% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.85% | 1.26% | 1.62% | Beats 32% | 60 / 88 | |
| Return on Equity | 13.51% | 7.40% | 11.89% | 14.66% | Beats 63% | 33 / 88 | |
| Net Interest Margin | 3.73% | 3.51% | 3.93% | 4.47% | Beats 40% | 53 / 88 | |
| Efficiency Ratio | 69.22% | 54.70% | 61.50% | 71.28% | Beats 31% | 62 / 88 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.59% | 0.30% | 0.82% | 2.25% | Beats 20% | 71 / 87 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.03% | 0.20% | Beats 54% | 41 / 87 | |
| Capital |
| Tier 1 Capital Ratio | 13.13% | 10.89% | 13.04% | 16.40% | Beats 56% | 39 / 88 | |
| Total Risk-Based Capital Ratio | 14.38% | 11.20% | 13.09% | 16.43% | Beats 60% | 35 / 88 | |
| Equity / Assets | 7.35% | 9.26% | 10.95% | 13.63% | Beats 9% | 80 / 88 | |
| Liquidity & Funding |
| Loans / Deposits | 84.38% | 60.39% | 72.27% | 84.01% | 76th pctl | 21 / 87 | |
| Loans / Assets | 70.57% | 52.51% | 63.37% | 71.46% | 68th pctl | 28 / 88 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |