Vision Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 3.65 percentage points in Q2 2026, from 200.10% to 196.45%. It was the largest change from Q1 2026 among the key lines here. Vision Bank ranks 61st of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 84.38% (Q2 2026). Vision Bank reported 84.38% on loan-to-deposit ratio for Q2 2026, 3.55 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $705.4M |
| Net loans and leases | $693.1M |
| Loans held for sale | $0 |
| Loans to total assets | 70.57% |
| Loan-to-deposit ratio | 84.38% |
| Net loans to equity capital | 9.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.72% |
| Multifamily (5+ residential) | 5.91% |
| Commercial and industrial | 8.21% |
| Consumer | 4.90% |
| Credit cards | 0.00% |
| Farm | 8.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 196.45% |
| Construction concentration (Tier 1 capital + allowance) | 35.66% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.82% |
| Interest income on loans | $12.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $661.1M | $791.3M | 26.23% | 7.27% | 6.65% |
| Q4 2023 | $672.8M | $807.0M | 25.76% | 7.17% | 6.49% |
| Q1 2024 | $680.9M | $839.6M | 25.42% | 7.65% | 6.29% |
| Q2 2024 | $676.0M | $852.2M | 25.56% | 8.05% | 6.29% |
| Q3 2024 | $688.8M | $805.9M | 25.57% | 7.84% | 6.06% |
| Q4 2024 | $683.7M | $801.4M | 25.69% | 7.28% | 5.91% |
| Q1 2025 | $692.1M | $793.1M | 23.89% | 7.09% | 5.69% |
| Q2 2025 | $694.7M | $772.0M | 23.82% | 7.31% | 5.62% |
| Q3 2025 | $701.3M | $779.1M | 23.65% | 7.36% | 5.52% |
| Q4 2025 | $705.3M | $791.8M | 22.83% | 7.90% | 5.32% |
| Q1 2026 | $711.0M | $830.9M | 23.14% | 8.12% | 5.10% |
| Q2 2026 | $705.4M | $836.0M | 22.72% | 8.21% | 4.90% |
Vision Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Vision Bank, freeSource: Call Report Schedule RC-C, 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)