Visionbank
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Data as of · sourced from FFIEC call reports. How we update
Visionbank is an FDIC-insured commercial bank headquartered in Saint Louis Park, MN, established in 2005 (FDIC certificate 58063), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $253.9M, down 4.6% from Q2 2025, the 97th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 12.47% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58063
- Headquarters
- Saint Louis Park, MN
- Established
- 2005
- Total assets, Q2 2026
- $253.9M
- Assets vs Q2 2025
- -4.6%
- CET1 ratio, Q2 2026
- 12.47%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091017484
- Holding company
- VISION BANCSHARES, INC.
- Asset rank in state
- 97th of 221 in Minnesota
Visionbank runs leaner than most banks of its size. It reported $254 million in assets at June 30, 2026, down 4.6% from a year earlier. It spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 3.36% on its deposits and borrowings, about double the median of 1.80% for banks its size.
The non-owner-occupied commercial real estate book ($55 million) is worsening: 11.94% of it is past due or on nonaccrual, up from 6.45% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.81% of loans, down from 2.55% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.3 times its capital, about triple the median of 1.2 times for banks its size.
As of June 30, 2026, Visionbank reported a CET1 capital ratio of 12.47%, a return on assets of 1.88%, a nonperforming-loan ratio of 1.81% and a Texas ratio of 20.39%. The figures come from its call report filed with the FFIEC.
Visionbank ranks as the 97th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $253.9M, loans rose 0.1% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 30.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 24.4%. The FDIC Summary of Deposits lists a single office for it, in Saint Louis Park, MN. By the capital ratios in its Q2 2026 call report, Visionbank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3059 Joppa Ave S, Saint Louis Park, MN 55416
- County
- Hennepin
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 12, 2005
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $183.6M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- -$120K
- Average total assets
- $249.3M
- Average total loans
- $223.0M
- Average interest-bearing deposits
- $173.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 12, 2005
- FDIC Cert
- 58063
- Fed RSSD
- 3357077
- Website
- www.bankwithvision.com →
- Parent Holding Company
- VISION BANCSHARES, INC. (RSSD 3357068)
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
Visionbank's total assets moved between a low of $221.5M (Q3 2023) and a high of $271.0M (Q1 2025) 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
$253.9M total assets against $266.0M; $229.0M total liabilities against $240.8M.
$222.9M net loans and leases against $231.5M; $183.6M total deposits against $193.2M.
$0 securities against $0; $25.5M cash and balances due against $28.3M.
$4.3M total interest income against $4.6M; $1.9M total interest expense against $2.1M.
$2.4M net interest income against $2.5M.
$26K total noninterest income against $35K; $967K total noninterest expense against $816K.
$8K provision for credit losses against $3K.
$1.2M net income against $1.4M.
1.88% return on assets against 2.07%; 3.92% net interest margin against 3.64%.
12.47% CET1 capital ratio against 12.46%; 9.99% tier 1 leverage ratio against 9.26%.
Inside the full Visionbank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Visionbank rankings
Its closest position to the top of a national ranking is 161 of 3,640, for Texas Ratio; its furthest is 1,562 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.35% (Q4 2024) to 2.56% (Q1 2025) and its net interest margin ran from 3.37% (Q1 2026) to 4.41% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.47% | 1.88% | 1.81% | 20.39% | 3.92% |
| Q1 2026 | 13.03% | 2.41% | 2.44% | 19.80% | 3.37% |
| Q4 2025 | 12.74% | 2.17% | 0.86% | 7.28% | 4.41% |
| Q3 2025 | 13.31% | 2.19% | 1.55% | 13.53% | 3.73% |
| Q2 2025 | 12.46% | 2.07% | 2.55% | 27.61% | 3.64% |
| Q1 2025 | 11.74% | 2.56% | 4.55% | 40.11% | 3.78% |
| Q4 2024 | 11.60% | 1.35% | 5.32% | 50.53% | 3.38% |
| Q3 2024 | 11.96% | 1.76% | 2.47% | 26.49% | 3.48% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Visionbank (main office) | Saint Louis Park , MN | 55416 | $183.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 145 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 23 applications, 15 loans originated, $13.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $1.4M approved, $203K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Visionbank
What are Visionbank's total assets?
As of the Q2 2026 filing, Visionbank reported total assets of $253.9 million in its FFIEC call report.
Where is Visionbank headquartered?
It is headquartered in Saint Louis Park, MN, United States.
When was Visionbank founded?
It was established in 2005, per the FDIC institution directory.
Is Visionbank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58063). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Visionbank?
Visionbank's primary federal regulator is the FDIC.
What is Visionbank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.47% in its Q2 2026 call report, above regulatory requirements.
How many branches does Visionbank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Visionbank's Texas Ratio?
Its Texas Ratio is 20.39% 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.
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