Saint Louis Park, MN · Cert 58063 · Vision Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #72 of 125 inst. · $0.2B of $253.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.88% | 1.71% | 2.00% | 1.99% | 1.97% | 1.98% | 1.81% | 1.81% | -18 bps | |
| Return on Equity | 20.82% | 18.94% | 21.85% | 21.45% | 21.10% | 20.96% | 18.12% | 18.27% | -318 bps | |
| Net Interest Margin | 3.47% | 3.44% | 3.76% | 3.66% | 3.75% | 3.95% | 3.36% | 3.67% | +1 bps | |
| Efficiency Ratio | 31.32% | 36.10% | 31.19% | 31.91% | 33.82% | 35.43% | 40.56% | 40.00% | +809 bps | |
| Non-Interest Burden | 1.06% | 1.22% | 1.15% | 1.14% | 1.24% | 1.38% | 1.35% | 1.45% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.76% | 12.01% | 9.14% | 0.29% | -0.58% | -4.43% | -6.81% | -4.56% | -485 bps | |
| Loan Growth (YoY) | 16.50% | 10.72% | 8.99% | 2.96% | -5.10% | -4.51% | -6.56% | -3.74% | -670 bps | |
| Deposit Growth (YoY) | 19.99% | 9.12% | 15.89% | 1.82% | 0.07% | -3.18% | -7.52% | -4.98% | -681 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.47% | 5.32% | 4.55% | 2.55% | 1.55% | 0.86% | 2.44% | 1.81% | -74 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.05% | 0.03% | -0.21% | -0.11% | -11 bps | |
| Allowance / Loans | 0.80% | 0.81% | 0.82% | 0.85% | 0.83% | 0.84% | 0.83% | 0.83% | -2 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.2x | 0.2x | 0.3x | 0.5x | 1.0x | 0.3x | 0.5x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.93% | 9.11% | 9.42% | 9.26% | 9.51% | 9.63% | 10.07% | 9.99% | +73 bps | |
| Total Risk-Based Capital | 12.93% | 12.57% | 12.70% | 13.48% | 14.30% | 13.76% | 14.01% | 13.45% | -3 bps | |
| Equity / Assets | 9.04% | 9.01% | 9.32% | 9.48% | 9.61% | 9.75% | 10.21% | 9.81% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.46% | 121.53% | 119.51% | 120.83% | 111.40% | 119.86% | 120.76% | 122.41% | +158 bps | |
| Liquid Assets / Assets | 11.21% | 9.50% | 10.19% | 10.18% | 15.40% | 10.15% | 9.88% | 9.77% | -40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 583% | 612% | 601% | n/a | n/a | |