| Metric | VISIONBANK OF IOWA | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +4.9% | -6.8 pts |
| Deposit growth (YoY) | -1.6% | +4.3% | -6.0 pts |
| Loan growth (YoY) | -0.2% | +5.3% | -5.6 pts |
| ROA | 1.51% | 1.28% | +0.2 pts |
| ROE | 14.6% | 12.4% | +2.2 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $896.1M | $758.9M | $746.7M | $94.5M | $6.8M | 1.51% | 3.80% | 0.61% |
| Q1 2026 | $899.9M | $740.0M | $764.1M | $92.5M | $3.2M | 1.42% | 3.74% | 0.61% |
| Q4 2025 | $898.5M | $755.0M | $759.0M | $91.1M | $11.9M | 1.31% | 3.54% | 0.66% |
| Q3 2025 | $900.0M | $748.6M | $760.4M | $89.1M | $8.6M | 1.27% | 3.51% | 0.35% |
| Q2 2025 | $913.1M | $771.4M | $748.4M | $89.5M | $5.4M | 1.20% | 3.44% | 0.29% |
| Q1 2025 | $911.7M | $753.9M | $755.3M | $87.9M | $2.4M | 1.07% | 3.34% | 0.19% |
| Q4 2024 | $901.6M | $751.5M | $757.2M | $85.8M | $9.1M | 1.06% | 3.29% | 0.13% |
| Q3 2024 | $887.4M | $737.4M | $710.8M | $85.7M | $6.9M | 1.09% | 3.28% | 0.02% |
Loan mix (Q2 2026): real estate $627.4M · commercial $94.9M · consumer $1.1M · securities $61.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | VISIONBANK OF IOWA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 1.28% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 12.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.8% | 61.2% | 52th |
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 | VISIONBANK OF IOWA | 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 | VISIONBANK OF IOWA | 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 | VISIONBANK OF IOWA | 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 | VISIONBANK OF IOWA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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