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Visionbank

Fargo, ND · Cert 57892

FDIC · 3 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, 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 (n=535 to 585). 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

33

Q2 2024Q3 2025peer median (50)

Asset Quality

13

Q2 2024Q3 2025peer median (50)

Profitability

21

Q2 2024Q3 2025peer median (50)

Liquidity

36

Q2 2024Q3 2025peer median

Efficiency

68

Q2 2024Q3 2025peer 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

Visionbank

Fargo, ND · Cert 57892

FDIC · 3 branches

Q3 2025

$302.6MAssets
$239.4MLoans
$259.4MDeposits
$40.7MEquity
Loan mix
77%RE $184.6M19%C&I $45.0M4%Consumer $9.8MQ3 2024Q3 2025
Deposit mix
78%Interest-bearing $201.2M22%Noninterest $58.2MQ3 2024Q3 2025

NIM

4.86%Q3 ’235.54%Q3 ’245.02%Q3 ’25-6%+5%

Non-interest income vs. expense

3.02%Q3 ’232.93%Q3 ’242.09%Q3 ’25-3%-27%

Market Position · Fargo, ND-MN · 2025 SOD (annual) · 2.1% share · #10 of 32 inst. · $0.3B of $12.7B

Executive Summary

  • Earnings: ROA of -0.12%, down 58 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 1.32% of loans (+56 bps YoY), with net charge-offs at 0.50%.
  • Capital: tier 1 leverage ratio of 8.10%, down 129 bps from a year ago.
  • Funding: loans stand at 92.30% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

-0.12%-58 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+15 bps YoY

Efficiency Ratio (YTD, annualized)

57.20%-2,245 bps YoY

Tier 1 Leverage Ratio

8.10%-129 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.46%0.48%-1.23%-0.34%-0.12%-58 bps
Return on Equity5.07%5.29%-11.04%-2.87%-0.95%-602 bps
Net Interest Margin3.27%3.19%1.28%3.02%3.43%+15 bps
Efficiency Ratio79.65%78.80%65.78%57.48%57.20%-2,245 bps
Non-Interest Burden2.52%2.42%0.81%1.65%1.85%-67 bps
Growth
Asset Growth (YoY)2.61%5.74%12.71%15.18%9.99%+738 bps
Loan Growth (YoY)3.58%10.39%4.40%7.14%10.83%+725 bps
Deposit Growth (YoY)8.91%6.91%7.86%13.23%5.90%-300 bps
Asset Quality
Nonperforming Loans / Loans0.77%0.69%0.80%1.19%1.32%+56 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.61%0.50%+49 bps
Allowance / Loans1.08%1.08%0.65%0.75%1.05%-3 bps
Allowance Coverage of NPLs1.4x1.6x0.8x0.6x0.8x-0.6x
Capital
Tier 1 Leverage Ratio9.39%9.08%8.17%8.10%8.10%-129 bps
Total Risk-Based Capital12.66%12.11%10.22%10.90%11.02%-164 bps
Equity / Assets9.21%9.10%12.98%13.14%13.44%+423 bps
Liquidity & Funding
Loans / Deposits88.20%92.15%84.57%86.46%92.30%+410 bps
Liquid Assets / Assets2.67%0.92%4.83%8.20%3.71%+104 bps
CRE / Total Capitaln/an/an/an/a512%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

Visionbank

Fargo, ND · Cert 57892 · Peer group: banks under $1B in assets (n=535-585)

FDIC · 3 branches

Q3 2025

$302.6MAssets
$239.4MLoans
$259.4MDeposits
$40.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 75% of banks under $1B in assets (rank 145 of 584).
  • Widest gap: tier 1 capital ratio trails 93% of banks under $1B in assets (rank 544 of 584).
  • Overall: at or above the peer median on 3 of 10 directional measures.

Return on Assets

-0.11%

Rank 543 of 585

Net Interest Margin

3.43%

Rank 293 of 584

Efficiency Ratio

60.24%

Rank 187 of 584

Equity / Assets

13.44%

Rank 145 of 584

Non-interest income vs. expense

$0.7M$6.3MINCOMEEXPENSE
Unfavorable gap of $5.6M · efficiency ratio beats 68% of banks under $1B in assets
Bank 60.24%Peer median 67.6%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.11%0.60%0.98%1.45%Beats 7%543 / 585
Return on Equity-0.85%5.86%9.54%12.76%Beats 7%541 / 584
Net Interest Margin3.43%2.90%3.43%3.93%Beats 50%293 / 584
Efficiency Ratio60.24%57.87%67.56%78.72%Beats 68%187 / 584
Asset Quality
Nonperforming Loans / Loans1.32%0.06%0.38%1.05%Beats 19%435 / 535
Net Charge-Offs / Loans0.38%0.00%0.02%0.10%Beats 7%496 / 535
Capital
Tier 1 Capital Ratio9.92%11.47%13.94%18.44%Beats 7%544 / 584
Total Risk-Based Capital Ratio11.02%11.93%14.43%19.34%Beats 17%486 / 584
Equity / Assets13.44%8.74%10.51%13.41%Beats 75%145 / 584
Liquidity & Funding
Loans / Deposits92.30%63.70%78.89%91.92%76th pctl131 / 546
Loans / Assets79.12%55.77%68.46%77.90%79th pctl114 / 535
Brokered Deposits / Deposits1.93%n/an/a4.01%Beats 31%378 / 546