# VISIONBANK
TOPEKA, KS · FDIC certificate 58000 · asset band <$300M · latest filing 2022-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $227.0M | |
| Deposits | $187.0M | |
| Loans and leases | $175.6M | |
| Total equity | $30.9M | |
| Loans / deposits | 93.86% (p94 of band) | 59.63% |
| Liquid assets / assets | 14.27% (p3 of band) | |
| Uninsured deposits / deposits | 38.12% (p91 of band) | 20.09% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.85% (p77 of band) | |
| FHLB advances / assets | 1.80% | |
| Tier 1 leverage | 8.57% (p18 of band) | 10.37% |
| Unrealized securities loss / equity | -1.40% (p83 of band) | -10.87% |
| AOCI / equity | -1.37% (p75 of band) | |
| ROA (annualized) | 0.78% (p54 of band) | 0.73% |
| Net interest margin | 3.40% (p73 of band) | 2.97% |
| Efficiency ratio | 72.71% (p48 of band) | |
| Noncurrent loans | 0.05% (p32 of band) | 0.26% |
| Net charge-offs (annualized) | 0.00% (p31 of band) | |
| Reserve coverage of noncurrent | 93.83% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 75.77% (p88 of band) | |
| Auto loans | $1.7M (0.97% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 | reserve under noncurrent | uninsured deposits leaving |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 0 |  | reserve under noncurrent, capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 1 | capital falling | uninsured deposits leaving |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2019-03 | 1 |  | loans exceed deposits |
| 2019-06 | 2 | loans exceed deposits |  |
| 2019-09 | 4 | capital falling, charge-offs p90 |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 3 |  | charge-offs p90 |
| 2020-06 | 4 | charge-offs p90 |  |
| 2020-09 | 3 |  | liquid assets <10% |
| 2020-12 | 1 |  | loans exceed deposits, capital falling |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | assets shrinking |  |
| 2021-12 | 2 | NIM <2.5%, reserve under noncurrent | assets shrinking |
| 2022-03 | 2 | capital falling | NIM <2.5% |

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

- 2022-06-28 [New owner takes over VisionBank branches in Overland Park, Topeka - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxONG90RGxiYWpJRW9udTFuZzlQR1VucDdmZFk1OTZSWHBwdndSWXBEc1ZYT1BFX2N2U1pLVzJUa0NTM0dUeWItTFRwSnZHcURrWmQ4eGpMOGtjVmJLd0FSTThuZktVU3hsRC12Y0xlNjN5cm0wcEhUeEdISDl5NmVBa1NZdm1KNUd1WmwwVnNiYjc4Z2FycmdQeFd1QnV5NXppTVg4QQ?oc=5) · The Business Journals
- 2022-06-10 [Community National Bank, VisionBank finalize merger - MSC News](https://news.google.com/rss/articles/CBMikgFBVV95cUxNcW5qbGRPRHozQzlHRVBoQVNGS0c5OXpfeGxfWTN1YkJTSTJLZkI4aWNQZ3kyTzRBTXJGdC1wVzNycW9leU1DTlNlOHhseGlmOGdCTURDVmhOLWhtVlVQT0tGeXZyN1pGRm1ITllEeHlDRTkwbEpOcHphRVZPRGd2aHREQWFLZmNyaVBlRkVkaXV4Zw?oc=5) · MSC News
- 2013-03-27 [CoreFirst announces new president and CEO - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOYTk2aWZBVWxuSW0zTTdoVkRIRG5GVUc2X2FUS3A5cjRKbVVzNmVIWXpsVzlOWjRwbEQ2OTBvRE1qVk91OEVKSVk1eFo3TTB5TmtuOXdLNVNMdkFWai0yeGdrTDgtdDVZdEJQU0puNUVYeGJMZVJXaUdnblBWWjZiSXJMY1dQNTZubVdVTlNlX2VwSDkxRF9xR0toLVB1R1doN2QwUVNzb1VjQjg?oc=5) · The Topeka Capital-Journal
- 2019-01-23 [Exclusive: Greater Washington is getting a new local bank - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPYXFULU41SjdUNm5veXVqRzhVdlQxdTBuVGttcnBkVVpJbzdnaXNORUlGSkNJbkNTVE5fR29yU0RyQjlMbnZNR0RWUEJkQmFCdGpmMHJELXJjSVZPMUFFcFV3dlRqUVJPU1lvT3o0aUhDVWFJX01RaVNoeWtubFMyYW9seG9YSTQybzhCV1R3V3NmMW9CTWc5VERXbGJMeUljNkU3X0VIQ21TZw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58000 (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/16.json (key "58000", 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