Ada, OK · Cert 4029 · Vision Bancshares Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.3% share · #48 of 71 inst. · $0.2B of $60.8B
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 | 0.56% | 0.89% | 0.99% | 0.92% | 0.96% | 0.65% | 1.13% | 0.89% | -3 bps | |
| Return on Equity | 8.98% | 13.86% | 15.63% | 13.85% | 13.49% | 8.71% | 15.27% | 12.15% | -170 bps | |
| Net Interest Margin | 3.41% | 3.61% | 3.78% | 3.82% | 3.91% | 3.83% | 3.79% | 3.77% | -5 bps | |
| Efficiency Ratio | 82.58% | 73.63% | 69.54% | 71.31% | 71.83% | 72.93% | 69.32% | 69.11% | -220 bps | |
| Non-Interest Burden | 2.67% | 2.36% | 2.34% | 2.46% | 2.57% | 2.56% | 2.27% | 2.34% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.09% | 2.89% | -1.91% | -5.75% | -1.72% | -0.97% | 3.68% | 6.35% | +1,210 bps | |
| Loan Growth (YoY) | 4.20% | 1.62% | 1.64% | 2.77% | 1.81% | 3.15% | 2.73% | 1.55% | -122 bps | |
| Deposit Growth (YoY) | 1.85% | -0.69% | -5.54% | -9.41% | -3.33% | -1.21% | 4.76% | 8.29% | +1,770 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.09% | 1.05% | 1.01% | 1.01% | 1.22% | 2.82% | 2.58% | 2.59% | +158 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.16% | 0.04% | 0.41% | 0.11% | 0.01% | 0.05% | -0.01% | -42 bps | |
| Allowance / Loans | 1.42% | 1.44% | 1.49% | 1.45% | 1.47% | 1.62% | 1.65% | 1.75% | +30 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.4x | 1.5x | 1.4x | 1.2x | 0.6x | 0.6x | 0.7x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.74% | 8.99% | 9.22% | 9.36% | 9.59% | 9.48% | 9.10% | 9.20% | -17 bps | |
| Total Risk-Based Capital | 13.60% | 13.78% | 13.95% | 14.29% | 14.57% | 14.25% | 13.87% | 14.38% | +9 bps | |
| Equity / Assets | 6.74% | 6.11% | 6.60% | 6.74% | 7.45% | 7.43% | 7.32% | 7.35% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.47% | 85.31% | 87.27% | 89.99% | 90.01% | 89.08% | 85.57% | 84.38% | -560 bps | |
| Liquid Assets / Assets | 0.73% | 0.76% | 0.70% | 0.26% | 0.35% | 0.78% | 0.71% | 0.69% | +44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 257% | 254% | 260% | n/a | n/a | |