Visionbank of Iowa: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Ames, IA, Visionbank of Iowa serves its local market as an FDIC-insured commercial bank. Total assets stand at $896M. Profitability is strong, 1.57% ROA, paired with 15.29% ROE and a 3.76% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 10.95% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 0.71% NPL ratio. Visionbank of Iowa operates a 13-branch network.
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%, a Texas ratio of 6.00%, per financial data filed with the FFIEC.
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)
- Offices
- 13 domestic
- 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
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 Visionbank of Iowa terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Visionbank of Iowa, 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
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.
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 | 10.95% | 1.57% | 0.71% | 6.00% | 3.76% |
| Q1 2026 | 10.44% | 1.42% | 0.72% | 6.16% | 3.68% |
| Q4 2025 | 10.21% | 1.43% | 0.78% | 6.80% | 3.50% |
| Q3 2025 | 10.04% | 1.41% | 0.41% | 3.69% | 3.63% |
| Q2 2025 | 10.26% | 1.35% | 0.34% | 3.09% | 3.54% |
| Q1 2025 | 9.91% | 1.08% | 0.23% | 2.14% | 3.33% |
| Q4 2024 | 9.56% | 0.98% | 0.16% | 1.51% | 3.25% |
| Q3 2024 | 9.81% | 1.11% | 0.04% | 0.33% | 3.25% |
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 13 branches →
| 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
What the public regulatory sources show for Visionbank of Iowa, 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
- 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.
- 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.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Visionbank of Iowa headquartered?
Visionbank of Iowa is headquartered in Ames, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Visionbank of Iowa founded?
Visionbank of Iowa was established in 1884, per the FDIC institution directory.
Is Visionbank of Iowa FDIC-insured?
Yes. Visionbank of Iowa 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Visionbank of Iowa's CET1 capital ratio?
Visionbank of Iowa 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?
Visionbank of Iowa 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?
Visionbank of Iowa's Texas Ratio is 6.00% 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 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.
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