Bank Comparison
Visionbank of Iowa vs Bankiowa
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 13
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Visionbank of Iowa | Bankiowa |
|---|---|---|
| CET1 Ratio | 10.44% | — |
| Tier 1 Capital Ratio | 10.44% | — |
| Total Capital Ratio | 11.51% | — |
| Tier 1 Leverage Ratio | 9.28% | 12.48% |
| Equity / Assets | 10.28% | 12.24% |
Profitability
| Metric | Visionbank of Iowa | Bankiowa |
|---|---|---|
| Return on Assets (ROA) | 1.42% | 1.55% |
| Return on Equity (ROE) | 13.93% | 12.57% |
| Net Interest Margin (NIM) | 3.68% | 4.13% |
| Yield on Earning Assets | 5.63% | 5.72% |
| Cost of Funds | 2.09% | 1.75% |
Asset quality
| Metric | Visionbank of Iowa | Bankiowa |
|---|---|---|
| Texas Ratio | 6.16% | 2.92% |
| Non-Performing Loan Ratio | 0.72% | 0.45% |
| Non-Performing Asset Ratio | 0.61% | 0.37% |
| Net Charge-Off Ratio | 0.00% | -0.04% |
| ACL / Loans | 1.09% | 1.10% |
Balance sheet
| Metric | Visionbank of Iowa | Bankiowa |
|---|---|---|
| Total Assets | $899,898K | $836,548K |
| Total Deposits | $739,950K | $705,412K |
| Total Loans | $772,536K | $684,805K |
| Total Equity | $92,477K | $102,394K |
| Net Income (quarter) | $3,196K | $3,196K |
Liquidity & funding
| Metric | Visionbank of Iowa | Bankiowa |
|---|---|---|
| Loan-to-Deposit Ratio | 104.40% | 97.08% |
| Core Deposit Ratio | 98.07% | 82.21% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Visionbank of Iowa | Bankiowa |
|---|---|---|
| Headquarters City | AMES | CEDAR RAPIDS |
| Headquarters State | IA | IA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 13 | 13 |
| Employees (FTE) | 130 | 134 |
| Established | June 1, 1884, midnight | Feb. 14, 1921, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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