Visionbank: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.90 percentage points higher than in Q1 2026, at 45.94%. Visionbank ranks 46th of 221 Minnesota banks on return on assets, in the upper half at 1.88% (Q2 2026). Visionbank reported 1.88% on return on assets for Q2 2026, 0.63 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.47% |
| Tier 1 risk-based capital ratio | 12.47% |
| Total risk-based capital ratio | 13.45% |
| Tier 1 leverage ratio | 9.99% |
| Equity capital to assets | 9.81% |
| Tangible equity to tangible assets | 9.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.81% |
| Non-performing assets ratio | 2.15% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 20.39% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 45.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.88% |
| Return on equity | 18.51% |
| Net interest margin | 3.92% |
| Efficiency ratio | 39.50% |
| Yield on earning assets | 6.94% |
| Cost of funds | 3.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 122.41% |
| Core deposits to total deposits | 68.74% |
| Brokered deposits to total deposits | 15.18% |
| Deposits to assets | 72.31% |
| Securities to assets | — |
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 | 12.43% | 12.43% | 13.36% | 9.52% | 2.49% |
| Q4 2023 | 11.71% | 11.71% | 12.63% | 9.42% | 2.56% |
| Q1 2024 | 12.08% | 12.08% | 13.02% | 9.33% | 2.80% |
| Q2 2024 | 12.28% | 12.28% | 13.23% | 9.22% | 1.91% |
| Q3 2024 | 11.96% | 11.96% | 12.93% | 8.93% | 1.76% |
| Q4 2024 | 11.60% | 11.60% | 12.57% | 9.11% | 1.35% |
| Q1 2025 | 11.74% | 11.74% | 12.70% | 9.42% | 2.56% |
| Q2 2025 | 12.46% | 12.46% | 13.48% | 9.26% | 2.07% |
| Q3 2025 | 13.31% | 13.31% | 14.30% | 9.51% | 2.19% |
| Q4 2025 | 12.74% | 12.74% | 13.76% | 9.63% | 2.17% |
| Q1 2026 | 13.03% | 13.03% | 14.01% | 10.07% | 2.41% |
| Q2 2026 | 12.47% | 12.47% | 13.45% | 9.99% | 1.88% |
Visionbank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Visionbank, 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 Visionbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58063) · FFIEC NIC profile (RSSD 3357077)