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

Unfavorable gap of $3.6M · efficiency ratio beats 98% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.82%	0.73%	1.11%	1.30%	Beats 89%	6 / 53
Return on Equity	18.53%	7.88%	12.20%	14.12%	Beats 92%	4 / 53
Net Interest Margin	3.67%	3.39%	3.77%	4.09%	Beats 40%	32 / 53
Efficiency Ratio	40.00%	56.05%	65.05%	71.57%	Beats 98%	2 / 53
Asset Quality
Nonperforming Loans / Loans	1.81%	0.14%	0.52%	1.20%	Beats 19%	44 / 53
Net Charge-Offs / Loans	0.00%	0.00%	0.01%	0.08%	Beats 100%	13 / 53
Capital
Tier 1 Capital Ratio	12.47%	10.73%	12.98%	15.08%	Beats 45%	29 / 53
Total Risk-Based Capital Ratio	13.45%	11.49%	13.79%	16.34%	Beats 45%	29 / 53
Equity / Assets	9.81%	8.08%	9.25%	10.72%	Beats 55%	24 / 53
Liquidity & Funding
Loans / Deposits	122.41%	72.13%	82.29%	93.80%	98th pctl	1 / 53
Loans / Assets	88.52%	63.64%	71.80%	79.37%	98th pctl	1 / 53
Brokered Deposits / Deposits	n/a	Not reported for this institution