| Metric | Vision Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.9% | +1.4 pts |
| Deposit growth (YoY) | +8.3% | +4.3% | +4.0 pts |
| Loan growth (YoY) | +1.2% | +5.3% | -4.1 pts |
| ROA | 1.29% | 1.28% | +0.0 pts |
| ROE | 17.4% | 12.4% | +5.0 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $999.6M | $836.0M | $693.1M | $73.4M | $6.3M | 1.29% | 4.17% | 1.85% |
| Q1 2026 | $991.8M | $830.9M | $699.3M | $72.6M | $3.5M | 1.43% | 4.16% | 2.02% |
| Q4 2025 | $959.3M | $791.8M | $693.8M | $71.3M | $10.7M | 1.12% | 4.22% | 2.21% |
| Q3 2025 | $947.1M | $779.1M | $691.0M | $70.6M | $8.7M | 1.22% | 4.24% | 1.05% |
| Q2 2025 | $939.9M | $772.0M | $684.6M | $63.4M | $5.8M | 1.22% | 4.20% | 0.99% |
| Q1 2025 | $956.5M | $793.1M | $681.8M | $63.2M | $3.0M | 1.26% | 4.16% | 0.81% |
| Q4 2024 | $968.7M | $801.4M | $673.9M | $59.2M | $8.0M | 0.83% | 3.71% | 0.96% |
| Q3 2024 | $963.7M | $805.9M | $679.0M | $64.9M | $5.3M | 0.73% | 3.61% | 0.82% |
Loan mix (Q2 2026): real estate $599.3M · commercial $57.9M · consumer $34.5M · securities $189.3M
| Ratio | Vision Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.28% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 12.4% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 61.2% | 72th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Vision Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Vision Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Vision Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Vision Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.