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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