Visionbank of Iowa
BankRegReports is independent of Visionbank of Iowa and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Visionbank of Iowa is an FDIC-insured commercial bank headquartered in Ames, IA, established in 1884 (FDIC certificate 11763), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $896.1M, down 1.9% from Q2 2025, the 28th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 10.95% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 11763
- Headquarters
- Ames, IA
- Established
- 1884
- Total assets, Q2 2026
- $896.1M
- Assets vs Q2 2025
- -1.9%
- CET1 ratio, Q2 2026
- 10.95%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 073905187
- Latest call report
- Q2 2026, FFIEC 051 · Visionbank of Iowa call report
- Holding company
- VISIONBANKSHARES, INC.
- Asset rank in state
- 28th of 225 in Iowa
Visionbank of Iowa operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $896 million at June 30, 2026, down 1.9% from a year earlier; it is based in Ames, Iowa. It holds common equity equal to 10.95% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also holds commercial real estate loans worth 3.8 times its capital, about triple the median of 1.2 times for banks its size.
Net income for the quarter rose 18% from a year earlier, to $3.6 million.
As of June 30, 2026, Visionbank of Iowa reported a CET1 capital ratio of 10.95%, a return on assets of 1.57%, a nonperforming-loan ratio of 0.71% and a Texas ratio of 3.70%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Visionbank of Iowa is the 28th largest of the 225 banks headquartered in Iowa. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $896.1M, loans fell 2.3% and deposits rose 2.6%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 26.6% of total loans, followed by 1-4 family residential loans at 20.2%. The FDIC Summary of Deposits lists 13 offices for it, in 10 cities in IA; its Ames 3 offices book 21% of its branch deposits. On its Q2 2026 call report, Visionbank of Iowa meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 104 Chestnut St, Ames, IA 50010
- County
- Story
- Metro Area
- Ames, IA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1884
- Former names
- Ames Community Bank (2009-2012)
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 130
- Domestic deposits
- $758.9M
- Allowance for credit losses
- $8.4M
- Net charge-offs (YTD)
- $19K
- Average total assets
- $909.0M
- Average total loans
- $765.7M
- Average interest-bearing deposits
- $636.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11763
- Fed RSSD
- 269049
- Website
- www.visionbank.com →
- Parent Holding Company
- VISIONBANKSHARES, INC. (RSSD 4442596)
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
Over the 12 quarters to Q2 2026, Visionbank of Iowa's total assets ran between $793.4M (Q3 2023) and $913.1M (Q2 2025), 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
$896.1M total assets against $913.1M; $801.6M total liabilities against $823.6M.
$746.7M net loans and leases against $748.4M; $758.9M total deposits against $771.4M.
$61.4M securities against $63.0M; $49.4M cash and balances due against $62.4M.
$12.5M total interest income against $12.3M; $4.3M total interest expense against $4.7M.
$8.2M net interest income against $7.6M.
$1.1M total noninterest income against $917K; $5.6M total noninterest expense against $5.2M.
$0 provision for credit losses against $210K.
$3.6M net income against $3.0M.
1.57% return on assets against 1.35%; 3.76% net interest margin against 3.54%.
10.95% CET1 capital ratio against 10.26%; 9.43% tier 1 leverage ratio against 8.93%.
Inside the full Visionbank of Iowa 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.
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 of Iowa rankings
Its closest position to the top of a national ranking is 1,138 of 4,196, for total assets; its furthest is 1,970 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.98% (Q4 2024) to 1.57% (Q2 2026) and its net interest margin ran from 3.25% (Q3 2024) to 3.76% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.95% | 1.57% | 0.71% | 3.70% | 3.76% |
| Q1 2026 | 10.44% | 1.42% | 0.72% | 6.16% | 3.68% |
| Q4 2025 | 10.21% | 1.43% | 0.77% | 6.74% | 3.50% |
| Q3 2025 | 10.04% | 1.41% | 0.41% | 3.63% | 3.63% |
| Q2 2025 | 10.26% | 1.35% | 0.34% | 3.03% | 3.54% |
| Q1 2025 | 9.91% | 1.08% | 0.23% | 2.08% | 3.33% |
| Q4 2024 | 9.56% | 0.98% | 0.15% | 1.44% | 3.25% |
| Q3 2024 | 9.81% | 1.11% | 0.03% | 0.26% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → 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 |
|---|---|---|---|
| Altoona Branch | Altoona , IA | 50009 | $161.3M |
| Community Bank of Boone Branch | Boone , IA | 50036 | $120.0M |
| Visionbank of Iowa (main office) | Ames , IA | 50010 | $100.2M |
| Bondurant Branch | Bondurant , IA | 50035 | $97.4M |
| City State Bank Branch | Ogden , IA | 50212 | $60.1M |
| Mortensen Branch | Ames , IA | 50014 | $52.2M |
| Clive Branch | Clive , IA | 50325 | $38.2M |
| Grimes Branch | Grimes , IA | 50111 | $37.0M |
| Huxley Branch | Huxley , IA | 50124 | $22.9M |
| Mitchellville Branch | Mitchellville , IA | 50169 | $21.3M |
| Waukee Branch | Waukee , IA | 50263 | $21.1M |
| Community Bank of Boone Branch | Boone , IA | 50036 | $18.1M |
| 107 Main Street Branch | Ames , IA | 50010 | $9.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2022 | Structure Change | Acquired Legacy Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2010 | Structure Change | Acquired VisionBank of Iowa Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 17, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 17, 2009 | Structure Change | Acquired Community Bank of Boone Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 1 against individuals associated with it
- October 23, 2009, Federal Reserve: Written Agreement: VisionBank of Iowa, West Des Moines, Iowa
- Period: Most recent institution action October 23, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in IA, rank 33 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 122 applications, 63 loans originated, $27.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $5.1M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Visionbank of Iowa’s latest filed figures and updates each quarter.
Similar banks
Compare Visionbank of Iowa with peers
Frequently asked about Visionbank of Iowa
What are Visionbank of Iowa's total assets?
As of the Q2 2026 filing, Visionbank of Iowa reported total assets of $896.1 million in its FFIEC call report.
Where is Visionbank of Iowa headquartered?
It is headquartered in Ames, IA, United States.
When was Visionbank of Iowa founded?
It was established in 1884, per the FDIC institution directory.
Is Visionbank of Iowa FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11763). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Visionbank of Iowa?
Visionbank of Iowa's primary federal regulator is the Federal Reserve.
What is Visionbank of Iowa's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.95% in its Q2 2026 call report, above regulatory requirements.
How many branches does Visionbank of Iowa operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Visionbank of Iowa's Texas Ratio?
Its Texas Ratio is 3.70% 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.
What was Visionbank of Iowa previously called?
The charter now named Visionbank of Iowa has also operated as Ames Community Bank (2009-2012), per FDIC structure-change records.
Go deeper on Visionbank of Iowa.
Get an email when Visionbank of Iowa files its next call report, and benchmark it against any peer you choose.
Unlock Visionbank of Iowa, freeFree account