BlastPoint's Banking Scorecard
Vision Bank
Ada, OK
10 branches across OK
Vision Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 29.6% in tier
- + ROA 0.16% above tier average
- + Net Interest Margin 0.23% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.74% above tier average
- - Nonperforming Asset Ratio 1.38% above tier average
- - Efficiency Ratio 4.04% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$991.8M
+3.7% YoY
+3.4% QoQ
|
+$605.7M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
Top 0.2% in tier |
| Total Loans ? |
$699.3M
+2.6% YoY
+0.8% QoQ
|
+$443.6M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
Top 2.4% in tier |
| Total Deposits ? |
$830.9M
+4.8% YoY
+4.9% QoQ
|
+$502.9M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Top 1.4% in tier |
| Return on Assets ? |
1.43%
+13.6% YoY
+28.4% QoQ
|
+0.16% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
64% |
| Net Interest Margin ? |
4.16%
+0.0% YoY
-1.5% QoQ
|
+0.23% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
66% |
| Efficiency Ratio ? |
69.32%
-0.3% YoY
-2.9% QoQ
|
+4.04% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
2.62%
+156.8% YoY
-8.3% QoQ
|
+1.74% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.5% in tier |
| Loan-to-Deposit Ratio ? |
84.16%
-2.1% YoY
-4.0% QoQ
|
+7.53% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
22.22%
-9.6% YoY
-2.8% QoQ
|
+0.20% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
55% |
| Nonperforming Asset Ratio ? |
2.02%
+149.6% YoY
-8.6% QoQ
|
+1.38% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.6% in tier |
| Tier 1 Capital Ratio ? |
12.62%
-0.6% YoY
-2.9% QoQ
|
-3.21% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.29%
+22.5% YoY
-67.1% QoQ
|
+0.01% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Top 6.7% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.