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Visionbank

Saint Louis Park, MN · Cert 58063 · Vision Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, 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 in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). 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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

98

Q2 2024Q2 2026peer 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

Saint Louis Park, MN · Cert 58063 · Vision Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$253.9MAssets
$224.7MLoans
$183.6MDeposits
$24.9MEquity
Loan mix
93%RE $208.5M7%C&I $15.8M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $173.0M6%Noninterest $10.5MQ2 2025Q2 2026

NIM

6.43%Q2 ’246.68%Q2 ’256.79%Q2 ’26+3%+0%

Non-interest income vs. expense

1.08%Q2 ’241.18%Q2 ’251.48%Q2 ’26+8%+27%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #72 of 125 inst. · $0.2B of $253.2B

Executive Summary

  • Earnings: ROA of 1.81%, down 18 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 1.81% of loans (-74 bps YoY), with net recoveries of 0.11%.
  • Capital: tier 1 leverage ratio of 9.99%, up 73 bps from a year ago.
  • Funding: loans stand at 122.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.81%-18 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+1 bps YoY

Efficiency Ratio (YTD, annualized)

40.00%+809 bps YoY

Tier 1 Leverage Ratio

9.99%+73 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.99%1.97%1.98%1.81%1.81%-18 bps
Return on Equity21.45%21.10%20.96%18.12%18.27%-318 bps
Net Interest Margin3.66%3.75%3.95%3.36%3.67%+1 bps
Efficiency Ratio31.91%33.82%35.43%40.56%40.00%+809 bps
Non-Interest Burden1.14%1.24%1.38%1.35%1.45%+31 bps
Growth
Asset Growth (YoY)0.29%-0.58%-4.43%-6.81%-4.56%-485 bps
Loan Growth (YoY)2.96%-5.10%-4.51%-6.56%-3.74%-670 bps
Deposit Growth (YoY)1.82%0.07%-3.18%-7.52%-4.98%-681 bps
Asset Quality
Nonperforming Loans / Loans2.55%1.55%0.86%2.44%1.81%-74 bps
Net Charge-Offs / Loans0.01%0.05%0.03%-0.21%-0.11%-11 bps
Allowance / Loans0.85%0.83%0.84%0.83%0.83%-2 bps
Allowance Coverage of NPLs0.3x0.5x1.0x0.3x0.5x+0.1x
Capital
Tier 1 Leverage Ratio9.26%9.51%9.63%10.07%9.99%+73 bps
Total Risk-Based Capital13.48%14.30%13.76%14.01%13.45%-3 bps
Equity / Assets9.48%9.61%9.75%10.21%9.81%+32 bps
Liquidity & Funding
Loans / Deposits120.83%111.40%119.86%120.76%122.41%+158 bps
Liquid Assets / Assets10.18%15.40%10.15%9.88%9.77%-40 bps
CRE / Total Capitaln/a583%612%601%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

Saint Louis Park, MN · Cert 58063 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Vision Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$253.9MAssets
$224.7MLoans
$183.6MDeposits
$24.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 13 of 53).
  • Widest gap: nonperforming loans / loans trails 81% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 44 of 53).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.82%

Rank 6 of 53

Net Interest Margin

3.67%

Rank 32 of 53

Efficiency Ratio

40.00%

Rank 2 of 53

Equity / Assets

9.81%

Rank 24 of 53

Non-interest income vs. expense

$0.1M$3.7MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 98% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 40.00%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.82%0.73%1.11%1.30%Beats 89%6 / 53
Return on Equity18.53%7.88%12.20%14.12%Beats 92%4 / 53
Net Interest Margin3.67%3.39%3.77%4.09%Beats 40%32 / 53
Efficiency Ratio40.00%56.05%65.05%71.57%Beats 98%2 / 53
Asset Quality
Nonperforming Loans / Loans1.81%0.14%0.52%1.20%Beats 19%44 / 53
Net Charge-Offs / Loans0.00%0.00%0.01%0.08%Beats 100%13 / 53
Capital
Tier 1 Capital Ratio12.47%10.73%12.98%15.08%Beats 45%29 / 53
Total Risk-Based Capital Ratio13.45%11.49%13.79%16.34%Beats 45%29 / 53
Equity / Assets9.81%8.08%9.25%10.72%Beats 55%24 / 53
Liquidity & Funding
Loans / Deposits122.41%72.13%82.29%93.80%98th pctl1 / 53
Loans / Assets88.52%63.64%71.80%79.37%98th pctl1 / 53
Brokered Deposits / Depositsn/aNot reported for this institution