# VISIONBANK
SAINT LOUIS PARK, MN · FDIC certificate 58063 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $253.9M | |
| Deposits | $183.6M | |
| Loans and leases | $224.7M | |
| Total equity | $24.9M | |
| Loans / deposits | 121.39% (p99 of band) | 73.59% |
| Liquid assets / assets | 10.03% (p4 of band) | |
| Uninsured deposits / deposits | 21.92% (p57 of band) | 19.81% |
| Brokered deposits | 10.98% | |
| Wholesale funding | 28.28% (p98 of band) | |
| FHLB advances / assets | 17.30% | |
| Tier 1 leverage | 9.99% (p24 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 2.13% (p88 of band) | 1.17% |
| Net interest margin | 3.67% (p36 of band) | 3.93% |
| Efficiency ratio | 40.00% (p3 of band) | |
| Noncurrent loans | 1.81% (p83 of band) | 0.36% |
| Net charge-offs (annualized) | -0.09% (p2 of band) | |
| Reserve coverage of noncurrent | 45.94% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 64.92% (p86 of band) | |
| Auto loans | $78,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.0% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, charge-offs p90 |  |
| 2011-06 | 1 |  | losing money, expense ratio p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | charge-offs p90 |
| 2012-03 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 3 |  | assets shrinking |
| 2012-09 | 0 |  | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2012-12 | 1 | charge-offs p90 |  |
| 2013-03 | 1 | deposits shrinking | charge-offs p90 |
| 2013-06 | 0 |  | deposits shrinking |
| 2013-09 | 1 | loans exceed deposits |  |
| 2013-12 | 1 | capital falling | loans exceed deposits |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 1 | capital falling | uninsured deposits leaving |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2018-03 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2018-06 | 3 | loans exceed deposits, liquid assets <10%, uninsured deposits leaving |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | liquid assets <10% |
| 2019-03 | 1 | capital falling | loans exceed deposits, uninsured deposits leaving |
| 2019-06 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2019-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2019-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2020-03 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2020-06 | 4 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, capital falling |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 | capital falling | liquid assets <10% |
| 2021-09 | 2 | liquid assets <10% | wholesale funding >15%, capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | assets shrinking |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 1 |  | liquid assets <10%, assets shrinking |
| 2022-12 | 3 | wholesale funding >15%, liquid assets <10% |  |
| 2023-03 | 2 |  | liquid assets <10% |
| 2023-06 | 4 | brokered >10%, reserve under noncurrent |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 | liquid assets <10% | reserve under noncurrent |
| 2024-03 | 6 | capital falling, reserve under noncurrent, uninsured deposits leaving | liquid assets <10% |
| 2024-06 | 6 |  |  |
| 2024-09 | 7 | noncurrent p90 |  |
| 2024-12 | 6 |  | capital falling |
| 2025-03 | 5 |  | uninsured deposits leaving |
| 2025-06 | 5 |  |  |
| 2025-09 | 4 |  | noncurrent p90 |
| 2025-12 | 5 | uninsured deposits leaving |  |
| 2026-03 | 6 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2026-06 | 4 |  | deposits shrinking, assets shrinking |

## 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
- 2023-06-17 [2023 Notable Leaders Banking and Finance Archives - Twin Cities Business](https://news.google.com/rss/articles/CBMigwFBVV95cUxPNGZEMWsyMFlXejNxTUtsc2M3eFVZZXNvNElPSkkzTGsxRTJSejJZSEJYX0lIUFlhQWxJTFM2TS1EMjRyM2FydXRRemhQeW1RRjBYVkV4Nk1sQmpzM2dSaURVUnNKYXJJWEhzX09OQUpiOGx6NnBfRWNGMFlxSGNVbXVuUQ?oc=5) · Twin Cities Business
- 2025-09-05 [VisionBank to be renamed ‘Bravera’ - kvrr.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxObGNUQmxMeC13MktjRU5lSnhlWTRkbkpseWxxaldVcjVhLTM4R2dFWmVUSEFnM1RWbzBUUFVoczNRVFBpbF9PQi15SW5sdU44dlRFTTBPVzF3cGlqWnkwcVhLQjIyVE5ZSmh2LW5SOWwxd1dVSFFucWFPTTNGTmlTWVhaNzBMN1ZLLUhxdElwVFBXcTRRV1dHNGVuSWt6bjhWTFRsVER5Ri1wTjFn?oc=5) · kvrr.com
- 2023-09-16 [Steffen Joins VISIONBank - InForum](https://news.google.com/rss/articles/CBMivgFBVV95cUxNcldhODlZQlVPNm9kcG1DN0owV0FPbU5SZWJwQmhpdFRoTXI0RS1NZ2xPRlNyQy1fejRuYVZYUXBfRl9aWUhuMkxxRkZ0YjZOTkp0UngtVkN3MktSQmhERkFOUlE0QXRwV1pwcS05bGtYQUp6R3BuMExnQ2FUNzVxTzV6NklmUmxNOWpneWkxQ1FLR3l2OFdHU2pBTU1xZUY1c21CRkl3Qi1yS2Q4aDFHek1tcEJ6cFBHUFVjNW5R?oc=5) · InForum
- 2020-05-07 [Galaxy Drive-In’s New Operator - Twin Cities Business](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9UTDkwQ180bUdMOTg1NjN4WGV3ZFRqajF4Nk5lc01CYkZxZGQwVlVYeW13em5oUncxZTBWZG5GaGF1eTdoRDd3aFBWZ1JkOHBOQV95RkFzT2ItWmZKQkE?oc=5) · Twin Cities Business
- 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
- 2025-02-18 [Bravera Holdings Corp. acquisition of VISIONBank moving forward - InForum](https://news.google.com/rss/articles/CBMimwFBVV95cUxNcV82Q0phSUtPNDVjcTZ6alZCOGlXdWpqNTJ3aXQ4bXU1aWRkQmRSdEl3bUlJVHFzV29JejNmM1o2eXFNX3pnTHFWTF94QzBmS3A2VWx3dVUxdVNOWUhObUpJMWdKY21LZWF1YTN0RUpNa3oxSG4yeW9qVjdlX0ZnWHZ4Tm85Z1BlaklrS3hOSHlmQU5XSlEyRmpEcw?oc=5) · InForum
- 2010-11-11 [Hecker bankruptcy estate may get $400K from Fargo-based bank - Detroit Lakes Tribune](https://news.google.com/rss/articles/CBMilAFBVV95cUxPb3ZQZGNyMVp1Zmo3b2pYX0dlREtqRm9fTUFNZjhUakZadHgyNHZiYXBLdmFNU2VkcnkxSlBVbmUzSllrWGZjdE9XYXBWQ3BWNWVaYUZFWHJ3V2p5QmtJaXV4R1V0bUVtMDNReksxUzY4OUlITWNnN2VDdHRrRXlRU2FFbXU2Y09Qb0lWQ3BQZjN5NTlq?oc=5) · Detroit Lakes Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58063 (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/15.json (key "58063", 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