BlastPoint's Banking Scorecard
Vision Bank
Community
Specialty: Commercial
OK
FDIC cert 4029
Ada, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Vision Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 31% in Community
- - Delinquency Rate 2.23% above tier
- - Nonperforming Asset Ratio 1.71% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$959.3M
-1.0% YoY
+1.3% QoQ
|
-$432.2M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$693.8M
+3.0% YoY
+0.4% QoQ
|
-$281.7M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$791.8M
-1.2% YoY
+1.6% QoQ
|
-$372.8M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
1.12%
+34.9% YoY
-8.2% QoQ
|
-0.05% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
4.22%
+13.8% YoY
-0.4% QoQ
|
+0.56% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
71.40%
-8.6% YoY
+0.7% QoQ
|
+8.76% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
2.86%
+168.5% YoY
+131.1% QoQ
|
+2.23% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 5% in tier |
| Loan-to-Deposit Ratio ? |
87.63%
+4.2% YoY
-1.2% QoQ
|
+4.57% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
22.87%
-0.5% YoY
-5.9% QoQ
|
+1.83% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
2.21%
+131.2% YoY
+111.0% QoQ
|
+1.71% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? |
13.00%
+3.7% YoY
-2.4% QoQ
|
+2.75% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.89%
-2.6% YoY
+30.2% QoQ
|
+0.15% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Flatlined Growth
risk
#76 of 245 · Bottom 31% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.12%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 5%
in Community
Why this stands out
Current:
2.86%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
2.21%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
82
82th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.74%
78
78th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.66%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.87% · Tier avg: 21.05%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.00% · Tier avg: 10.24%
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
49
49th pctile
Total Loans
Current: $693.8M · Tier avg: $975.5M
47
47th pctile
Total Assets
Current: $959.3M · Tier avg: $1.4B
46
46th pctile
Total Deposits
Current: $791.8M · Tier avg: $1.2B
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.63% · Tier avg: 83.06%
24
24th pctile
Efficiency Ratio
Current: 71.40% · Tier avg: 62.63%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.21% · Tier avg: 0.50%
5
5th pctile
Delinquency Rate
Current: 2.86% · Tier avg: 0.63%
Top Weaknesses
5
5th pctile
Delinquency Rate
Current: 2.86% · Tier avg: 0.63%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.21% · Tier avg: 0.50%
24
24th pctile
Efficiency Ratio
Current: 71.40% · Tier avg: 62.63%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.63% · Tier avg: 83.06%
46
46th pctile
Total Deposits
Current: $791.8M · Tier avg: $1.2B
47
47th pctile
Total Assets
Current: $959.3M · Tier avg: $1.4B
49
49th pctile
Total Loans
Current: $693.8M · Tier avg: $975.5M
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.00% · Tier avg: 10.24%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.87% · Tier avg: 21.05%
78
78th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.66%
82
82th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.74%