Vision Bank N.A.

Vision Bank N.A. is headquartered in Ada and is the 19^st largest bank in the state of Oklahoma. It is also the 1,253^rd largest bank in the nation. It was established in 1924 and as of March of 2012, it had grown to 199 employees at 7 locations. Vision Bank N.A. has a 4-star health rating.

Vision Bank N.A. Checking Account Rates

Data for Q1 2012

Institution Statistics Vision Bank, National Association FDIC Certificate # 4029 BankRate Report View Year Established 1924 Employees 199 Primary Regulator OCC Assets and Liabilities Assets $538.44 million Loans $337.99 million Deposits $394.47 million Equity Capital $52.19 million Loan Loss Allowance $4.30 million Unbacked Noncurrent Loans $5.14 million Real Estate Owned $1.71 million Historic Data - March 2011 Assets $568.89 million Equity Capital $45.50 million Loan Loss Allowance $4.52 million Unbacked Noncurrent Loans $7.40 million Real Estate Owned $1.38 million Profit Margin - Quarterly Net Interest Margin 4.22% Return on Assets 1.18% Return on Equity 12.3% Interest Income $6.12 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Vision Bank N.A. had $6.85 million in non-current loans and owned real-estate with $56.49 million in equity and loan loss allowances on hand to cover it. This gives Vision Bank N.A. a Texas Ratio of 12.12% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Vision Bank N.A. decreased slightly from 18.13% as of March 31, 2011 to 12.12% as of March 31, 2012, resulting in a positive change of 33.14%.This indicates that the balance sheet and financial strength for Vision Bank N.A. has improved slightly in recent periods. Deposit Growth In the past year, Vision Bank N.A. has decreased its total deposits by -$29.44 million, resulting in -6.95% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Vision Bank N.A. has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Vision Bank N.A. has $538.44 million in assets with $56.49 million in equity, resulting in a capitalization level of 10.49%, which is above average.

No reviews have been left for this bank yet. Be the first to review.