# VISION BANK
ADA, OK · FDIC certificate 4029 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $999.6M | |
| Deposits | $836.0M | |
| Loans and leases | $705.4M | |
| Total equity | $73.4M | |
| Loans / deposits | 82.91% (p53 of band) | 82.04% |
| Liquid assets / assets | 25.66% (p52 of band) | |
| Uninsured deposits / deposits | 20.39% (p30 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.23% (p71 of band) | |
| FHLB advances / assets | 0.01% | |
| Tier 1 leverage | 9.20% (p16 of band) | 10.81% |
| Unrealized securities loss / equity | -28.87% (p13 of band) | -8.10% |
| AOCI / equity | 0.01% (p80 of band) | |
| ROA (annualized) | 1.29% (p51 of band) | 1.28% |
| Net interest margin | 4.17% (p65 of band) | 3.91% |
| Efficiency ratio | 69.22% (p71 of band) | |
| Noncurrent loans | 2.59% (p93 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p59 of band) | |
| Reserve coverage of noncurrent | 67.66% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 51.92% (p58 of band) | |
| Auto loans | $17.4M (2.47% of loans; DQ 1.34%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.3% | |
| Employees | 194 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | capital falling |  |
| 2014-09 | 1 |  | reserve under noncurrent, capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | wholesale funding >15% |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2018-03 | 1 |  | wholesale funding >15% |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | charge-offs p90 | reserve under noncurrent |
| 2019-12 | 1 | reserve under noncurrent | charge-offs p90 |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | reserve under noncurrent |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90, construction >100% equity |  |
| 2022-09 | 3 |  | charge-offs p90 |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | noncurrent p90 | AOCI drag >20% of equity |
| 2023-06 | 2 |  | noncurrent p90 |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | capital falling, charge-offs p90 |  |
| 2024-06 | 3 |  | charge-offs p90 |
| 2024-09 | 1 |  | construction >100% equity, capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | deposits shrinking |  |
| 2025-06 | 5 | charge-offs p90, assets shrinking, uninsured deposits leaving |  |
| 2025-09 | 1 |  | deposits shrinking, charge-offs p90, assets shrinking, uninsured deposits leaving |
| 2025-12 | 2 | noncurrent p90, reserve under noncurrent | securities losses >30% of equity |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 2 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-12 [Chickasaw Foundation partners with Vision Bank to expand access to financial literacy resources at no cost - Chickasaw Nation](https://news.google.com/rss/articles/CBMirwFBVV95cUxQam51TEhOVVozLWxMS05aUkhBa004WnNrTkl0a3dLVFl3QW5lQnlWYmQ0QmE3TGlrYXNnTFR1REJIZDNueW5LcUJSdHBTQi1CQ211UkZ0bnlleEc4eW5LT1RVbzcwbU1fX1V4ekxjQVhyaTBpLVotTnNqQl9lLWhjY1VwS3ZDZGQtQzZGT0JTamRJdHdtUlhtbWMxZUl3aEdVaUVFaTBDZDhvX3J3Y0Rv?oc=5) · Chickasaw Nation
- 2026-04-11 [Largent named Vision Bank President - The Ada News](https://news.google.com/rss/articles/CBMixwFBVV95cUxORDFYRlJxZlY2TmhtTzcwb3hpZXVYTjd3NkFWZEhlYWlNeERVQy1ZVUNFRXZCYnU0ZVh4YTA1YkE3QTBobGEydDlfVEdjUDFzTXdFLXIwT01GYWJyZXVMM01NQjZQS0tGUGZBRHA1X0ZYbjZ1QVBQRUg0Vjc4R0ZaTjk2MEVOcXpJUFVHZ1dib3BvTGc3eGJFLXQxZHZ5QXZzSEZ3RU5FaTE0MVJYNi1wOFgzWHA0V01DOVVEQTJydWtFUDU4ZW5v?oc=5) · The Ada News
- 2021-11-17 [Longtime Norman banker ready to lead city's newest community bank - Norman Transcript](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNRDVxeEl5azVNVkt2blM5S3hIUUJ1TkhzS3NfdlI2eDgzZzhIOXhSQl9SbnB6Rzhkd1Zza055YVBib3Fob2Y2SzR0dmZPOG94dHVVUEh4VS1fQTFmMDBxdGJxVTlHZFJsY2J3Q3lBZjk2YTFrbUtublNycUlmTk9JTDI1QmVFTTdDWWVGTDVwVzY0VGNYYnFwelFaVnZYZWowcG9NUW0zdVh2Q2k1VWxWQ2VaM3IwT0ZRdlJfenh2X3dERl9oaGdRdExxT2tjM1BsWm9aaUdaWWkza0JDNjBYa0c0U1AyaWs?oc=5) · Norman Transcript
- 2023-08-24 [Vision Bank announces promotions - The Ada News](https://news.google.com/rss/articles/CBMitAFBVV95cUxQSzdrNjl5Tl9fNF85TGRvLUV5Q1JiRFBrelJMaHpYQXpBY1ROaGtEanlYX292cGNmeV94eXcwaVFOOTlVZ1FIcXdvdDR0cTZmN2h0M09mbDlISkVJR19JeG9SSmNnYmNHbWJhal9hZnN3alVYOE13Rm5tU0s0amdoN3VHRnozaGtnaEc0dE9EMFk2RWoxTTN4My1EdHVMLW00M3llVnc0M3I1VjJxUGZDRUF0Rzg?oc=5) · The Ada News
- 2024-03-28 [Crocker joins Vision Bank Trust Team - The Ada News](https://news.google.com/rss/articles/CBMiswFBVV95cUxQaVNkT2pUUzAzXzV3aVhJMWhhbTBmRGlFODFJSTBUM0FXbmhGWC1JM2dHakVKR2Z6TEdLQWZpQm9mdzVRZGhrZW5nS1BadWRHZHlFcHFqdnUtX1A1NTdicFpaM1A5NXd4T0xBSXRMU1JqU1UwSUhfZ3AtRXdPc2ZrVGs4cWhhOWUycmNBOUZnX01DRW1rR0ZQQkFjdTBtd1QtUmk2UUFvZ1lWa0RjdllmeHdsZw?oc=5) · The Ada News
- 2025-07-03 [Vinson named Chief Credit Officer at Vision Bank - The Ada News](https://news.google.com/rss/articles/CBMiygFBVV95cUxObFNoZTNaYTY1MVdfTW92VFpjdnd4NU5STThXSXpKSUlicGh5TmM3WlhrS3dzNmI3U01ITkFHT3FESEtaRTk2QjFkTzFFTmhqeWd2M05kUzlzNTdTYzF2MklQdnYyejJqUEFkZjhBbzcxR0sxeGxfNXFlYmtHQjhKbFFlN0JMUm05UFNLZWJCemp3bDlfaHpJaUE2ZnRoYjBmZWxFN0dWaHA3MTRTUU5TbWU2RDVHaHRtWlJnemRudG9BUnFhOGp0OC13?oc=5) · The Ada News
- 2017-09-30 [Vision Bank vice president selected as honors graduate - The Ada News](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPUUhXREZZdzlNdUR1QUVPbE5vOUVVaTd5dGg0b05NeXh1WnpHVjVjR0ZBdExvTlVmSF9YeXNjenJPOWFQVTZtZjVjVFNKTjJlcGNuOHdIclJ0Z05IeXhaQklTOUVQUlRGQmlibUw3NURQTVFzUmh6elB3Q045MVE5cUdoSkJPeWVUalFDWVFrdFozNHRIQXBlLXh5V0VhRHJ6d0d6cUZDZkJDNDZwTTdRTW42a3NNMWhIVDExSnRlM08yXzhER1dGb2E5MWJvMmZaOXAyXzZxMEM1eG0zbHhrNw?oc=5) · The Ada News
- 2020-07-02 [Bagwell takes over as President, CEO at Vision Bank - The Ada News](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNMlBZMlMxODVwMy05bEF3WkI0TzR6ZUNtSUpmUWlqTXlhWmdSMzdKTlZDV2NXMUN6ZTJtaGRFa3NjRXpZOHdMY1Z6NHRGRnJiYmNYRUVsWmloN2NOdnZESTlpN3AxbU5uU1hHWXU5Zzd4S0dhTlAyX1pnUkE4VVl1bW8wZ1F4R1E2SUg3akVlQ0VrY3o4bnRxRzRmVUFYRThoVUtPRFFHRURmS0I4Sjd2R2JBd2R3bXphS2lZR01TMTloVF9wbVowTVFjY19zUVZkbDRMblFIVXJhSnM?oc=5) · The Ada News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4029 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/61.json (key "4029", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide