Bank Comparison
Visionbank of Iowa vs Premier Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Visionbank of Iowa | Premier Bank |
|---|---|---|
| CET1 Ratio | 10.44% | — |
| Tier 1 Capital Ratio | 10.44% | — |
| Total Capital Ratio | 11.51% | — |
| Tier 1 Leverage Ratio | 9.28% | 9.58% |
| Equity / Assets | 10.28% | 10.08% |
Profitability
| Metric | Visionbank of Iowa | Premier Bank |
|---|---|---|
| Return on Assets (ROA) | 1.42% | 2.12% |
| Return on Equity (ROE) | 13.93% | 21.34% |
| Net Interest Margin (NIM) | 3.68% | 3.96% |
| Yield on Earning Assets | 5.63% | 6.51% |
| Cost of Funds | 2.09% | 2.83% |
Asset quality
| Metric | Visionbank of Iowa | Premier Bank |
|---|---|---|
| Texas Ratio | 6.16% | 4.75% |
| Non-Performing Loan Ratio | 0.72% | 0.39% |
| Non-Performing Asset Ratio | 0.61% | 0.34% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.09% | 1.14% |
Balance sheet
| Metric | Visionbank of Iowa | Premier Bank |
|---|---|---|
| Total Assets | $899,898K | $847,906K |
| Total Deposits | $739,950K | $700,012K |
| Total Loans | $772,536K | $737,831K |
| Total Equity | $92,477K | $85,462K |
| Net Income (quarter) | $3,196K | $4,337K |
Liquidity & funding
| Metric | Visionbank of Iowa | Premier Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 104.40% | 105.40% |
| Core Deposit Ratio | 98.07% | 89.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Visionbank of Iowa | Premier Bank |
|---|---|---|
| Headquarters City | AMES | ROCK VALLEY |
| Headquarters State | IA | IA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 13 | 6 |
| Employees (FTE) | 130 | 65 |
| Established | June 1, 1884, midnight | Feb. 25, 1997, 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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