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
Unfavorable gap of $23.4M · efficiency ratio beats 30% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.85% | 1.26% | 1.60% | Beats 31% | 61 / 89 | | |
| Return on Equity | 13.51% | 7.40% | 11.89% | 14.65% | Beats 62% | 34 / 89 | | |
| Net Interest Margin | 3.73% | 3.46% | 3.93% | 4.45% | Beats 40% | 53 / 89 | | |
| Efficiency Ratio | 69.22% | 54.70% | 60.95% | 71.14% | Beats 30% | 63 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.59% | 0.30% | 0.82% | 2.25% | Beats 19% | 72 / 88 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.03% | 0.20% | Beats 53% | 42 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 13.13% | 10.89% | 13.00% | 16.33% | Beats 56% | 39 / 89 | | |
| Total Risk-Based Capital Ratio | 14.38% | 11.20% | 13.06% | 16.33% | Beats 61% | 35 / 89 | | |
| Equity / Assets | 7.35% | 9.26% | 10.94% | 13.52% | Beats 9% | 81 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.38% | 61.51% | 72.27% | 84.01% | 76th pctl | 21 / 88 | | |
| Loans / Assets | 70.57% | 52.51% | 63.15% | 71.27% | 69th pctl | 28 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |