Vision Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Common equity Tier 1 capital rose 4.0% in Q2 2026 to $94.6M, the biggest move on this page. Vision Bank ranks 49th of 71 Oklahoma banks on CET1 ratio, in the lower half at 13.13% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Vision Bank sits 1.94 points lower, at 13.13% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.13% |
| Tier 1 risk-based capital ratio | 13.13% |
| Total risk-based capital ratio | 14.38% |
| Tier 1 leverage ratio | 9.20% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $94.6M |
| Tier 1 capital | $94.6M |
| Total risk-based capital | $103.6M |
| Total equity capital | $73.4M |
| Risk-weighted assets | $720.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.35% |
| Tangible equity to tangible assets | 7.34% |
| Equity capital to average assets | 7.14% |
| Internal capital growth rate | 3.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $21.9M |
| Retained earnings | $71.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.57% | 12.57% | 13.82% | 9.04% | $684.5M |
| Q4 2023 | 12.46% | 12.46% | 13.71% | 9.02% | $697.1M |
| Q1 2024 | 12.17% | 12.17% | 13.42% | 8.83% | $713.3M |
| Q2 2024 | 12.13% | 12.13% | 13.38% | 8.60% | $717.6M |
| Q3 2024 | 12.35% | 12.35% | 13.60% | 8.74% | $718.0M |
| Q4 2024 | 12.53% | 12.53% | 13.78% | 8.99% | $718.2M |
| Q1 2025 | 12.70% | 12.70% | 13.95% | 9.22% | $716.3M |
| Q2 2025 | 13.04% | 13.04% | 14.29% | 9.36% | $701.8M |
| Q3 2025 | 13.32% | 13.32% | 14.57% | 9.59% | $701.4M |
| Q4 2025 | 13.00% | 13.00% | 14.25% | 9.48% | $710.9M |
| Q1 2026 | 12.62% | 12.62% | 13.87% | 9.10% | $721.0M |
| Q2 2026 | 13.13% | 13.13% | 14.38% | 9.20% | $720.4M |
Vision Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Vision Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Vision Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4029) · FFIEC NIC profile (RSSD 241157)