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
Unfavorable gap of $5.6M · efficiency ratio beats 68% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 3.43% | 2.90% | 3.43% | 3.93% | Beats 50% | 293 / 584 | | |
| Efficiency Ratio | 60.24% | 57.87% | 67.56% | 78.72% | Beats 68% | 187 / 584 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.32% | 0.06% | 0.38% | 1.05% | Beats 19% | 435 / 535 | | |
| Net Charge-Offs / Loans | 0.38% | 0.00% | 0.02% | 0.10% | Beats 7% | 496 / 535 | | |
| Capital |
| Tier 1 Capital Ratio | 9.92% | 11.47% | 13.94% | 18.44% | Beats 7% | 544 / 584 | | |
| Total Risk-Based Capital Ratio | 11.02% | 11.93% | 14.43% | 19.34% | Beats 17% | 486 / 584 | | |
| Equity / Assets | 13.44% | 8.74% | 10.51% | 13.41% | Beats 75% | 145 / 584 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.30% | 63.70% | 78.89% | 91.92% | 76th pctl | 131 / 546 | | |
| Loans / Assets | 79.12% | 55.77% | 68.46% | 77.90% | 79th pctl | 114 / 535 | | |
| Brokered Deposits / Deposits | 1.93% | n/a | n/a | 4.01% | Beats 31% | 378 / 546 | n/a | |