Vision Bank: Bank Stress & Real-Estate Credit Exposure

Vision Bank (FDIC Cert #4029) carries a DLRadar bank-stress score of 74/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Its footprint is compact and single-state: 77 ZIP codes in 6 counties over 1 states. The deepest footprints are Oklahoma (6 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs Vision Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Its lending reaches counties such as Cleveland County, OK, Pottawatomie County, OK, Lincoln County, OK, Bryan County, OK, each tied back to DLRadar's distress signals. The combination of a elevated reading and a compact footprint is what makes Vision Bank worth watching as a supply signal. The value is in the linkage: Vision Bank's elevated reading is mapped onto 77 ZIP codes and 6 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Because Vision Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 74/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Vision Bank is held under Vision Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Vision Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.