Vision Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 2.08 percentage points in Q2 2026, from 66.32% to 68.39%. It was the largest change from Q1 2026 among the key lines here. Vision Bank ranks 116th of 169 Oklahoma banks on return on assets, in the lower half at 1.10% (Q2 2026). Vision Bank reported 1.10% on return on assets for Q2 2026, 0.15 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.13% |
| Tier 1 risk-based capital ratio | 13.13% |
| Total risk-based capital ratio | 14.38% |
| Tier 1 leverage ratio | 9.20% |
| Equity capital to assets | 7.35% |
| Tangible equity to tangible assets | 7.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.56% |
| Non-performing assets ratio | 1.83% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 22.29% |
| Allowance for credit losses to loans | 1.75% |
| Reserve coverage of non-performing loans | 68.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.10% |
| Return on equity | 15.48% |
| Net interest margin | 3.99% |
| Efficiency ratio | 68.31% |
| Yield on earning assets | 5.67% |
| Cost of funds | 1.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.38% |
| Core deposits to total deposits | 87.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.63% |
| Securities to assets | 18.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.57% | 12.57% | 13.82% | 9.04% | 0.67% |
| Q4 2023 | 12.46% | 12.46% | 13.71% | 9.02% | 0.76% |
| Q1 2024 | 12.17% | 12.17% | 13.42% | 8.83% | 0.51% |
| Q2 2024 | 12.13% | 12.13% | 13.38% | 8.60% | 0.91% |
| Q3 2024 | 12.35% | 12.35% | 13.60% | 8.74% | 0.69% |
| Q4 2024 | 12.53% | 12.53% | 13.78% | 8.99% | 1.09% |
| Q1 2025 | 12.70% | 12.70% | 13.95% | 9.22% | 1.23% |
| Q2 2025 | 13.04% | 13.04% | 14.29% | 9.36% | 1.14% |
| Q3 2025 | 13.32% | 13.32% | 14.57% | 9.59% | 1.18% |
| Q4 2025 | 13.00% | 13.00% | 14.25% | 9.48% | 0.80% |
| Q1 2026 | 12.62% | 12.62% | 13.87% | 9.10% | 1.40% |
| Q2 2026 | 13.13% | 13.13% | 14.38% | 9.20% | 1.10% |
Vision Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Vision Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)