VISION BANK

ADA, OK | Medium | Est. Nov. 1, 1924, midnight | FDIC #4029 | RSSD #241157 | FED
Latest Report: 2025-12-31

VISION BANK is amn medium FDIC-insured commercial bank headquartered in ADA, OK, established in Nov. 1, 1924, midnight. As of 2025-12-31, the bank reported total assets of $959M and total deposits of $792M. Profitability stands at 0.82% ROA and 11.03% ROE, with a net interest margin of 4.25%. The bank's CET1 capital ratio is 13.00%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.58% and a Texas Ratio of 23.63%. FDIC Certificate #4029.

Assets

$959M

Deposits

$792M

Loans

$705M

Equity

$71M

Profitability

Return on Assets (ROA) 0.82%
Return on Equity (ROE) 11.03%
Net Interest Margin (NIM) 4.25%
Yield on Assets 5.92%
Cost of Funds 1.86%

Asset Quality

NPL Ratio 2.58%
Net Charge-Off Ratio 0.14%
Texas Ratio 23.63%
NPA Ratio 2.04%
ACL / Loans 1.62%

Capital & Liquidity

CET1 Ratio 13.00%
Tier 1 Capital 13.00%
Total Capital Ratio 14.25%
Leverage Ratio 9.48%
Loan-to-Deposit 89.08%

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