BlastPoint's Banking Scorecard

Vision Bank

$100M-$1B Specialty: Commercial OK FDIC cert 4029

Ada, OK

10 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
Deposits +8.3% year over year ($836.0M on the books).
Delinquency rate 2.63%.
Return on assets 1.29%.
Efficiency ratio 69.22% vs a 64.48% peer average.
Loan-to-deposit ratio 82.91% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK

View $100M-$1B leaderboard (OK) →

Vision Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 48.7% in tier
+ Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.72% above tier average
- Nonperforming Asset Ratio 1.18% above tier average
- Efficiency Ratio 4.74% above tier average

Get updates when Vision Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$999.6M +6.3% YoY +0.8% QoQ	+$613.0M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	Top 0.1% in tier
Total Loans ?	$693.1M +1.2% YoY -0.9% QoQ	+$434.7M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	Top 2.7% in tier
Total Deposits ?	$836.0M +8.3% YoY +0.6% QoQ	+$509.2M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	Top 1.0% in tier
Return on Assets ?	1.29% +5.4% YoY -10.3% QoQ	-0.04%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	52%
Net Interest Margin ?	4.17% -0.7% YoY +0.2% QoQ	+0.18%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	64%
Efficiency Ratio ?	69.22% -1.7% YoY -0.1% QoQ	+4.74%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	32%
Delinquency Rate ?	2.63% +158.2% YoY +0.3% QoQ	+1.72%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	Bottom 7.9% in tier
Loan-to-Deposit Ratio ?	82.91% -6.5% YoY -1.5% QoQ	+4.95%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	43%
Non-Interest-Bearing Deposit Share ?	21.67% -9.8% YoY -2.5% QoQ	-0.36%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	53%
Nonperforming Asset Ratio ?	1.85% +87.7% YoY -8.6% QoQ	+1.18%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Bottom 8.5% in tier
Tier 1 Capital Ratio ?	13.13% +0.7% YoY +4.1% QoQ	-2.78%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.51% +6.3% YoY +73.3% QoQ	-0.06%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Top 9.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Noninterest-Bearing	21.7% -2.4pp YoY -0.6pp QoQ	-0.5pp	22.1%	23.9%	22.2%	53%
Brokered Deposits	n/a	n/a	7.9%	9.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	8.4% +0.9pp YoY +0.1pp QoQ	-3.2pp	11.6%	15.7%	12.5%	43%
CRE	34.6% -0.4pp YoY +0.9pp QoQ	-4.9pp	39.5%	42.0%	41.4%	43%
1-4 Family	43.0% +0.5pp YoY -0.4pp QoQ	+10.4pp	32.6%	24.0%	31.3%	75%
Consumer	5.0% -0.7pp YoY -0.2pp QoQ	+0.9pp	4.1%	5.6%	5.0%	77%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	13.1% +0.1pp YoY +0.5pp QoQ	-5.7pp	18.8%	17.0%	19.7%	30%
Leverage Ratio	9.2% -0.2pp YoY +0.1pp QoQ	-3.0pp	12.2%	11.7%	12.6%	15%
Total Capital Ratio	14.4% +0.1pp YoY +0.5pp QoQ	-5.6pp	19.9%	18.2%	20.8%	31%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	194 -1 (-0.5%) YoY 0 QoQ	+135	58	150	482	99%
Assets per Employee ($)	$5.2M +6.9% YoY +0.8% QoQ	-$2.4M	$7.5M	$6.5M	$8.8M	17%
Branch Count	10 0 YoY 0 QoQ	+5	4	8	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.9%	0.4%	54%
Nonaccrual	2.5% +1.5pp YoY 0.0pp QoQ	+1.6pp	0.9%	1.5%	1.0%	91%
Allowance Coverage	0.68x -53.1% YoY +5.9% QoQ	-23.48x	24.15x	61.99x	20.23x	17%
Net Charge-off Rate (YTD)	0.0% -0.2pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	53%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	17.4% -1.4pp YoY -2.0pp QoQ	+5.3pp	12.2%	11.9%	11.6%	80%
Cost of Funds (YTD)	1.7% +0.1pp YoY +0.1pp QoQ	0.0pp	1.7%	1.8%	1.7%	52%
Net Income ($, YTD)	$6.3M +8.6% YoY — QoQ	+$3.8M	$2.6M	$8.7M	$40.4M	93%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#323 of 661 • Top 48.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.51%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.29%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Total Assets

size

Value: $999.61M

Peer Median: $386.57M

#1 of 2643 Top 0.1% in $100M-$1B

Total Deposits

size

Value: $835.98M

Peer Median: $326.73M

#27 of 2643 Top 1.0% in $100M-$1B

Total Loans

size

Value: $693.08M

Peer Median: $258.35M

#73 of 2643 Top 2.7% in $100M-$1B

248

Non-Interest Income / Assets

revenue_mix

Value: 0.51%

Peer Median: 0.57%

#248 of 2643 Top 9.3% in $100M-$1B

Top Weaknesses (2 metrics)

2427

Delinquency Rate

credit_quality

Value: 2.63%

Peer Median: 0.92%

#2427 of 2633 Bottom 7.9% in $100M-$1B

2419

Nonperforming Asset Ratio

credit_quality

Value: 1.85%

Peer Median: 0.67%

#2419 of 2643 Bottom 8.5% in $100M-$1B