Vision Bank (FDIC #4029): Bank Stress & Real-Estate Credit Exposure
Vision Bank (FDIC Cert #4029): bank stress 74/100, elevated, STABLE over 7 days; parent VISION BANCSHARES INC.
Vision Bank (#4029) lends in 6 counties across 1 state; Vision Bank (#4029) reaches 77 ZIP codes: Oklahoma 6 counties, 77 ZIPs.
Vision Bank (#4029) largest markets: Cleveland County, OK (23 branches, 23 ZIPs) (#4029), Pottawatomie County, OK (17 branches, 17 ZIPs) (#4029), Lincoln County, OK (32 branches, 16 ZIPs) (#4029), Bryan County, OK (15 branches, 15 ZIPs) (#4029), Pontotoc County, OK (30 branches, 10 ZIPs) (#4029), Murray County, OK (14 branches, 7 ZIPs) (#4029).
Vision Bank (#4029) reports $999.6 million in total assets; Vision Bank (#4029) equity $73.4 million (7.3% of Vision Bank (#4029) assets); Vision Bank (#4029) domestic deposits $836.0 million; Vision Bank (#4029) net income $6.3 million; Vision Bank (#4029) return on assets 1.29%; Vision Bank (#4029) return on equity 17.45%; Vision Bank (#4029) net interest income $19.2 million; Vision Bank (#4029) call report June 30, 2026.
Vision Bank (#4029) noncurrent real-estate loans 0.02% of its book; Vision Bank (#4029) net charge-offs on real estate 2.21%; Vision Bank (#4029) residential charge-offs 3.56%.
Vision Bank (#4029) net interest margin 4.17% against an eight-quarter Vision Bank (#4029) average of 4.06% (Vision Bank (#4029) compression -0.11 points); Vision Bank (#4029) real-estate loans 1.6% of equity; Vision Bank (#4029) non-residential real estate 355.8% of equity; Vision Bank (#4029) rate-exposure score 40/100, Vision Bank (#4029) fixed-rate trap 40/100; Vision Bank (#4029) risk type credit driven; Vision Bank (#4029) rate regime rates elevated, Vision Bank (#4029) snapshot October 19, 2026.
Vision Bank (#4029) stress score moved from 70 on June 22, 2026 to 74.2 on October 19, 2026; Vision Bank (#4029) ranged 70 to 74.2 over 116 snapshots.
Vision Bank (#4029) alerts: 6 counties; top Vision Bank (#4029) alert scores: Ada County, OK 25 (low); Durant County, OK 25 (low); Norman County, OK 25 (low); Prague County, OK 25 (low); Shawnee County, OK 25 (low).