Vision Bank
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Data as of · sourced from FFIEC call reports. How we update
Vision Bank is an FDIC-insured commercial bank headquartered in Ada, OK, established in 1924 (FDIC certificate 4029), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $999.6M, up 6.3% from Q2 2025, the 26th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 13.13% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4029
- Headquarters
- Ada, OK
- Established
- 1924
- Total assets, Q2 2026
- $999.6M
- Assets vs Q2 2025
- +6.3%
- CET1 ratio, Q2 2026
- 13.13%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 103101026
- Latest call report
- Q2 2026, FFIEC 041 · Vision Bank call report
- Holding company
- VISION BANCSHARES, INC.
- Asset rank in state
- 26th of 169 in Oklahoma
Problem loans are rising at Vision Bank. Based in Ada, Oklahoma, it had $1000 million in assets at June 30, 2026, up 6.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.59% of loans from 1.01% a year earlier. It carries problem assets equal to 21.6% of the capital and reserves that would absorb them, 8.2 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 9.20% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
The non-owner-occupied commercial real estate book ($128 million) is worsening: 4.39% of it is past due or on nonaccrual, up from 0.15% a year earlier. Deposits are coming in faster than loans: over the year loans rose 1.5% and deposits rose 8.3%.
As of June 30, 2026, Vision Bank reported a CET1 capital ratio of 13.13%, a return on assets of 1.10%, a nonperforming-loan ratio of 2.59% and a Texas ratio of 21.56%. The figures come from its call report filed with the FFIEC.
Vision Bank ranks as the 26th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $999.6M, loans fell 0.8% and deposits rose 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 42.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.2%. The FDIC Summary of Deposits lists 10 offices for it, in 8 cities in OK; its Ada 3 offices book 42% of its branch deposits. Judged on its Q2 2026 call report, Vision Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 E Main St, Ada, OK 74820
- County
- Pontotoc
- Metro Area
- Ada, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 1, 1924
- Former names
- Vision Bank, National Association (2005-2022); The First National Bank and Trust Company of Ada (1959-2005)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 194
- Domestic deposits
- $836.0M
- Allowance for credit losses
- $12.3M
- Net charge-offs (YTD)
- $68K
- Average total assets
- $1.03B
- Average total loans
- $702.2M
- Average interest-bearing deposits
- $671.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4029
- Fed RSSD
- 241157
- SEC CIK
- 1914482 → filed by VISION BANCSHARES, INC.
- Website
- www.visionbank.bank →
- Parent Holding Company
- VISION BANCSHARES, INC. (RSSD 3292253)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Vision Bank's total assets moved between a low of $917.0M (Q3 2023) and a high of $999.6M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$999.6M total assets against $939.9M; $926.2M total liabilities against $876.6M.
$693.1M net loans and leases against $684.6M; $836.0M total deposits against $772.0M.
$189.3M securities against $185.1M; $67.2M cash and balances due against $17.0M.
$13.8M total interest income against $12.8M; $4.1M total interest expense against $3.4M.
$9.7M net interest income against $9.3M.
$2.2M total noninterest income against $2.2M; $8.2M total noninterest expense against $8.2M.
$658K provision for credit losses against $394K.
$2.8M net income against $2.8M.
1.10% return on assets against 1.14%; 3.99% net interest margin against 4.06%.
13.13% CET1 capital ratio against 13.04%; 9.20% tier 1 leverage ratio against 9.36%.
Inside the full Vision Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeVision Bank rankings
Its closest position to the top of a national ranking is 141 of 3,640, for Texas Ratio; its furthest is 2,608 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.69% (Q3 2024) to 1.40% (Q1 2026) and its net interest margin ran from 3.63% (Q3 2024) to 4.15% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.13% | 1.10% | 2.59% | 21.56% | 3.99% |
| Q1 2026 | 12.62% | 1.40% | 2.58% | 23.79% | 4.02% |
| Q4 2025 | 13.00% | 0.80% | 2.82% | 24.74% | 4.07% |
| Q3 2025 | 13.32% | 1.18% | 1.22% | 12.29% | 4.15% |
| Q2 2025 | 13.04% | 1.14% | 1.01% | 12.62% | 4.06% |
| Q1 2025 | 12.70% | 1.23% | 1.01% | 10.56% | 4.04% |
| Q4 2024 | 12.53% | 1.09% | 1.05% | 13.44% | 3.86% |
| Q3 2024 | 12.35% | 0.69% | 1.09% | 10.63% | 3.63% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Vision Bank (main office) | Ada , OK | 74820 | $262.7M |
| Sulphur Branch | Sulphur , OK | 73086 | $145.7M |
| Prague Branch | Prague , OK | 74864 | $116.7M |
| Arlington Center Branch | Ada , OK | 74820 | $90.3M |
| Durant Branch | Durant , OK | 74701 | $68.7M |
| Davis Branch | Davis , OK | 73030 | $53.6M |
| Shawnee Branch | Shawnee , OK | 74804 | $49.7M |
| Meeker Branch | Meeker , OK | 74855 | $25.7M |
| Vision Bank - Norman Branch | Norman , OK | 73072 | $22.9M |
| Motor Bank Branch | Ada , OK | 74820 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2012 | Structure Change | Acquired Community Bank of the Arbuckles Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2000 | Structure Change | Acquired The Prague National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action March 13, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in OK, rank 30 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $173K approved, $173K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Vision Bank
What are Vision Bank's total assets?
As of the Q2 2026 filing, Vision Bank reported total assets of $999.6 million in its FFIEC call report.
Where is Vision Bank headquartered?
It is headquartered in Ada, OK, United States.
When was Vision Bank founded?
It was established in 1924, per the FDIC institution directory.
Is Vision Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4029). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Vision Bank?
Vision Bank's primary federal regulator is the Federal Reserve.
What is Vision Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.13% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Vision Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Vision Bank's Texas Ratio?
Its Texas Ratio is 21.56% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Vision Bank previously called?
The charter now named Vision Bank has also operated as Vision Bank, National Association (2005-2022), The First National Bank and Trust Company of Ada (1959-2005), per FDIC structure-change records.
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