Total Assets
$959M
Total balance-sheet footings
FDIC Cert #4029 · Ada, Oklahoma · Est. 1924
Vision Bank - FDIC Bank Health Profile
A community-scale look at Vision Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $959M
- Total assets
- B
- Health grade · Good
- 1.12%
- Return on assets
- 13.0%
- Tier 1 capital
Data updated July 2026
The verdict
Vision Bank earns a PlainBankData health grade of B (69/100), with well-capitalized at 13.00% Tier 1, profitable at 1.12% ROA, 71% efficiency ratio.
- #1,082
- largest of 4,313 FDIC banks by assets
- 75th
- percentile by asset size, nationally
- 13.00%
- Tier 1 ratio - above the 10% well-capitalized line
- 51st
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Vision Bank's 69/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Vision Bank's composite health score
Tier 1 Capital Ratio (13.00%) 35/40
Return on Assets (ROA) (1.12%) 20/25
Texas Ratio (24.01%) 10/20
Efficiency Ratio (71.40%) 4/15
69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$792M
Customer-funded liabilities
Net Loans
$694M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Vision Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Vision Bank's score of 69/100 falls in the highlighted band.
Vision Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Vision Bank's $959M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.00% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.00%
Texas Ratio
24.01%
Equity Capital
$71M
Profitability metrics
Return on Assets (ROA)
51st percentile nationally
1.12%
Return on Equity (ROE)
16.26%
Efficiency Ratio
71.40%
What the numbers say about Vision Bank
Vision Bank is an FDIC-insured institution (Certificate #4029) headquartered in Ada, Oklahoma, established in 1924. It holds $959M in total assets - 1,082nd of 4,313 FDIC-insured banks, $792M in customer deposits, and $694M in net loans. On safety, its Tier 1 capital ratio of 13.00% is above the 10% well-capitalized threshold, and its Texas Ratio of 24.01% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (69/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Oklahoma, Vision Bank ranks 26th of 172 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$52M
Interest Income
$9M
Non-Interest Income
$33M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Vision Bank reports a Texas Ratio of 24.01% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
24.01% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Vision Bank (FDIC Cert #4029) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is Vision Bank's health grade?▼
Vision Bank receives a health grade of B (69/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Vision Bank?▼
Vision Bank holds $959M in total assets and $792M in deposits, ranking 1,082nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Ada, Oklahoma.
Is my money safe at Vision Bank?▼
Yes, deposits at Vision Bank (Certificate #4029) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Vision Bank's Tier 1 Capital Ratio?▼
Vision Bank has a Tier 1 Capital Ratio of 13.00%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Vision Bank?▼
Vision Bank has a Texas Ratio of 24.01%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Vision Bank?▼
Vision Bank has an Efficiency Ratio of 71.40%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Vision Bank's profile as a depositor or analyst.
- Vision Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Vision Bank against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.