Vision Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Ada, OK, Vision Bank serves its local market as an FDIC-insured commercial bank. Vision's Q2 2026 balance sheet shows $999M in assets funded primarily by $836M in customer deposits. Returns are in line with industry norms at 1.10% ROA and 15.48% ROE; net interest margin is 3.99%. Capital cushions are healthy: 13.13% CET1, 9.20% Tier 1 leverage. Credit conditions bear watching: 2.56% NPL ratio with a 22.29% Texas Ratio (elevated but below the 100% concern level). 10 branches make up the footprint.
As of June 30, 2026, Vision Bank reported a CET1 capital ratio of 13.13%, a return on assets of 1.10%, a nonperforming-loan ratio of 2.56%, a Texas ratio of 22.29%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 101 E Main St, Ada, OK 74820
- County
- Pontotoc
- Metro Area
- Ada, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 1, 1924
- Former names
- Vision Bank, National Association (2005-2022); The First National Bank and Trust Company of Ada (1959-2005)
- Offices
- 10 domestic
- Employees (FTE)
- 194
- Domestic deposits
- $836.0M
- Allowance for credit losses
- $12.3M
- Net charge-offs (YTD)
- $68K
- Average total assets
- $1.03B
- Average total loans
- $702.2M
- Average interest-bearing deposits
- $671.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4029
- Fed RSSD
- 241157
- SEC CIK
- 1914482 → filed by VISION BANCSHARES, INC.
- Website
- www.visionbank.bank →
- Parent Holding Company
- VISION BANCSHARES, INC. (RSSD 3292253)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Vision Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Vision Bank, freeVision Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Vision Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.13% | 1.10% | 2.56% | 22.29% | 3.99% |
| Q1 2026 | 12.62% | 1.40% | 2.49% | 24.03% | 4.02% |
| Q4 2025 | 13.00% | 0.80% | 2.61% | 25.93% | 4.07% |
| Q3 2025 | 13.32% | 1.18% | 1.25% | 12.55% | 4.15% |
| Q2 2025 | 13.04% | 1.14% | 1.08% | 13.56% | 4.06% |
| Q1 2025 | 12.70% | 1.23% | 0.90% | 10.88% | 4.04% |
| Q4 2024 | 12.53% | 1.09% | 0.93% | 13.81% | 3.86% |
| Q3 2024 | 12.35% | 0.69% | 1.13% | 10.99% | 3.63% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Vision Bank (main office) | Ada , OK | 74820 | $262.7M |
| Sulphur Branch | Sulphur , OK | 73086 | $145.7M |
| Prague Branch | Prague , OK | 74864 | $116.7M |
| Arlington Center Branch | Ada , OK | 74820 | $90.3M |
| Durant Branch | Durant , OK | 74701 | $68.7M |
| Davis Branch | Davis , OK | 73030 | $53.6M |
| Shawnee Branch | Shawnee , OK | 74804 | $49.7M |
| Meeker Branch | Meeker , OK | 74855 | $25.7M |
| Vision Bank - Norman Branch | Norman , OK | 73072 | $22.9M |
| Motor Bank Branch | Ada , OK | 74820 | $0 |
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 |
|---|---|---|---|
| December 1, 2012 | Structure Change | Acquired Community Bank of the Arbuckles Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2000 | Structure Change | Acquired The Prague National Bank 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 4 events.
Regulatory record
What the public regulatory sources show for Vision Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action March 13, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in OK, rank 30 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Vision Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Vision Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Vision Bank
What are Vision Bank's total assets?
As of the Q2 2026 filing, Vision Bank reported total assets of $999.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Vision Bank headquartered?
Vision Bank is headquartered in Ada, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Vision Bank founded?
Vision Bank was established in 1924, per the FDIC institution directory.
Is Vision Bank FDIC-insured?
Yes. Vision Bank is an FDIC-insured commercial bank (FDIC Certificate #4029). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Vision Bank?
Vision Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Vision Bank's CET1 capital ratio?
Vision Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.13% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Vision Bank operate?
Vision Bank operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Vision Bank's Texas Ratio?
Vision Bank's Texas Ratio is 22.29% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Vision Bank previously called?
The charter now named Vision Bank has also operated as Vision Bank, National Association (2005-2022), The First National Bank and Trust Company of Ada (1959-2005), per FDIC structure-change records.
Go deeper on Vision Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Vision Bank, freeFree account