# VISION BANK
PANAMA CITY, FL · FDIC certificate 5668 · asset band $300M-1B · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $653.1M | |
| Deposits | $532.5M | |
| Loans and leases | $492.9M | |
| Total equity | $111.2M | |
| Loans / deposits | 88.08% (p77 of band) | 76.92% |
| Liquid assets / assets | 21.33% (p27 of band) | |
| Uninsured deposits / deposits | 14.71% (p63 of band) | 12.31% |
| Brokered deposits | 7.26% | |
| Wholesale funding | 7.47% (p53 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.89% (p97 of band) | 9.47% |
| Unrealized securities loss / equity | 0.00% (p10 of band) | 3.82% |
| AOCI / equity | -2.00% (p3 of band) | |
| ROA (annualized) | -3.07% (p2 of band) | 0.70% |
| Net interest margin | 4.23% (p79 of band) | 3.76% |
| Efficiency ratio | 100.42% (p94 of band) | |
| Noncurrent loans | 20.11% (p99 of band) | 2.06% |
| Net charge-offs (annualized) | 10.36% (p100 of band) | |
| Reserve coverage of noncurrent | 24.05% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 80.95% (p83 of band) | |
| Auto loans | $517,000 (0.10% of loans; DQ 3.68%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 184 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | wholesale funding >15%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 |  | wholesale funding >15% |
| 2011-09 | 5 |  | construction >100% equity |
| 2011-12 | 5 |  |  |

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

- 2026-09-08 [Vision Bank intros SME financing - ATM Marketplace](https://news.google.com/rss/articles/CBMieEFVX3lxTE5oTFhiaUJmSUpxUG5TQ2NickRpZVhGMkZpR0cyYXZqWnQzelg0VHdhZU92WGVSQlBtdWlUWHpma1MyZFR6LUstdzhpVmZUeUhud1lGWDdwOFRCRExQaWJidXU2aEpjUUNRaXlWTmU0T3owSC1qWDJKeQ?oc=5) · ATM Marketplace
- 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
- 2018-01-23 [Park National Bank to acquire North Carolina bank - The Newark Advocate](https://news.google.com/rss/articles/CBMisAFBVV95cUxQdENzdlBOOUMwdzZVZEJ1TEdPZTNWRktoZ25xalR6Ml9BWHA5NzRTSXVBbGdjdDdKYWQ4NDRLMVktb05sTG1rTTg2TmhPdFFKRUxqQ3ZzNlc1UmhnbTVOZnFrRE9KR2FLMWtxRnBGcS1BUnZvemJORFhsaS02YTlEZy1ZdmNDY0ZqbEt0c0c1RURmaUQtOVBJdzNxZnRBVU1UTHBBelBxc0h4NzZLZ2k2cA?oc=5) · The Newark Advocate
- 2018-01-23 [Park National buys North Carolina bank - The Columbus Dispatch](https://news.google.com/rss/articles/CBMingFBVV95cUxOTDNrTGJNdE1EaWRaejlyQmZQSjA5ZUxxZWpuZDJlRGlPaFZDLWhlQU5nWUJzWWVpOU12MWx6SnU4NGxldmJNS2M5U1RvU2U4dG1aZXFiaElIVTI5Wlh5S1NWMEM4MzZqOUtzUzVPbkxxenVUY1BKRmt4aVgzNEt1R3dnRWpVQ19TZ2FubEFPaHVUZlNtN2EwTUJ5S05tZw?oc=5) · The Columbus Dispatch
- 2025-05-15 [A growing Park National Bank has a history of acquisitions - It's open to more - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxPcHBCQ2pjcXdIb21fRVZFX0lvSW1tZmhjRTRmYXRUakRRQlFwLWtZLVNWZjBaSC1JdkpleWJuUUI4RkhxbVNVblFCem9LeVgwM1JYVFdZTXEyUlZjMXdLWnhIN3BjVkVnMDNhUkxudTliMGFfaTJpNk5RYTFWV1lld25uUzVFWFliQTVXbFFMUzBYTktwd2cwMGJXZXEzUQ?oc=5) · The Business Journals
- 2023-02-08 [Vision Bank announces addition - Norman Transcript](https://news.google.com/rss/articles/CBMiswFBVV95cUxNQzRaTlZVWm9MbzZFTFN3bTNZY2xweU9URUhYMVVTSjBicE1UQmNKZ1JsT21JR0hBR3VlZml3emsyREFydjIzSlJTYlJzcmg2NVR3Q0xwNXJKZkY4MGswWTZpTDJWektPSmdLN0p1WHJRZjdlX2xaRHZCSWhfNDdFOTIxSEo5enVPZnJiM0E1bmhxQ3hWWEZ6cVZray1ZbWJFM25lb21BcTZnNjJCMXVNY1p1cw?oc=5) · Norman Transcript
- 2023-09-28 [Vision Bank Student Board o Directors members - The Ada News](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQZEFLbmZJQkdMclNuTUFOQkdwOFpYV2tsc2JFU1NpQjU5WlBWWkdGMHRZdTVzM2lsWW9UODR2MkVsOUUzajExYnZqbFJGLVctVk9VYkY5V0NZS2c1VzlKTWY4bnAxZjhwSGRFVjdHT3lrM2M4QjJUbFpkdVRfd3oxazFsTXMzOUJ2b21razBWUGdHY2NleTFmbTNnai03VkV1eTZ1MlJVZi1rb3N2dkwxQ0RDN2tBTVI1bHMxMTlfdjJta3h0MzlHMEVoY0U2UzVXdHR1dA?oc=5) · The Ada News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5668 (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/36.json (key "5668", 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.

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