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101 East Main Street
Ada, OK 74820

Vision Bank (OK) is headquartered in Ada and is the 13st largest bank in the state of Oklahoma. It is also the 1,027th largest bank in the nation. It was established in 1924 and as of March of 2014, it had grown to 219 employees at 9 locations. Vision Bank (OK) has a B health rating.

Reviews (1)

Another Step In The Wrong Direction

On November 5, 2012, we received an email notice from Vision Bank. It is provided below. Not only do we now have to charge a total of $250 per month, (use to be just 10 POS transactions), but their interest rate has dropped to 1%. Vision bank management has been making small changes to the interest rate for years (started out at 4%), and as a result, total deposits have dropped significantly over the last year. This illustrates how such managerial decisions have just the opposite effect than what is desired. Unfortuneately, management is taking another step in the wrong direction. Their latest decision will result in even lower overall deposits and stagnate growth -- if not decline and downsizing in the future.




EFFECTIVE December 1, 2012

Your VIVA checking account is one of the best accounts to be found anywhere and we plan to keep it that way, however, given the historical low interest rate environment, coupled with the large additional expenses we will incur to comply with the new Dodd-Frank Banking bill, we must make some changes to this account. The changes outlined below will be effective December 1, 2012.

Presently, in order to earn the premium interest rate on your account, you must make at least 10 Point of Sale (POS) transactions on the account by the end of each month. This is being changed to a total of $250 in POS transactions per month. You will no longer be required to make the 10 POS transactions per month as long as the total of all of your POS transactions completed each month total at least $250.

As long as you meet the POS requirements, we have been refunding fees incurred for 5 transactions when using non Vision Bank ATMs. Effective December 1, 2012, we are placing a cap on the ATM fees refunded at $15 per month.

Finally, the interest rate paid on this account will be lowered from 2% to 1% APY.






Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Vision Bank (OK) had $5.34 million in non-current loans and owned real-estate with $59.85 million in equity and loan loss allowances on hand to cover it. This gives Vision Bank (OK) a Texas Ratio of 8.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Vision Bank (OK) decreased slightly from 10.50% as of March 31, 2013 to 8.93% as of March 31, 2014, resulting in a positive change of 14.94%.This indicates that the balance sheet and financial strength for Vision Bank (OK) has improved slightly in recent periods.

Deposit Growth


In the past year, Vision Bank (OK) has decreased its total deposits by -$19.23 million, resulting in -3.88% 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 (OK) has shown is below average.



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 (OK) has $665.1 million in assets with $59.85 million in equity, resulting in a capitalization level of 9.00%, which is average.

Institution Statistics

FDIC Certificate #4029
Year Established1924
Primary RegulatorOCC
Assets and Liabilities
Assets$665.10 million
Loans$368.43 million
Deposits$476.48 million
Equity Capital$55.66 million
Loan Loss Allowance$4.19 million
Unbacked Noncurrent Loans$4.71 million
Real Estate Owned$637,000
Historic Data - March 2013
Assets$647.33 million
Equity Capital$57.41 million
Loan Loss Allowance$3.70 million
Unbacked Noncurrent Loans$4.71 million
Real Estate Owned$1.79 million
Profit Margin - Quarterly
Net Interest Margin3.62%
Return on Assets0.84%
Return on Equity9.67%
Interest Income$6.17 million
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Vision Bank (OK) Checking Account Rates

1.00%-$25kVIVA Free Checking - Qualifying
0.05%--VIVA Free Checking - Non Qualifying

Vision Bank (OK) Locations
Vision Bank, National Association101 East Main StreetAda, OK 74820
Sulphur Branch1100 West BroadwaySulphur, OK 73086
Motor Bank Branch1200 East 12th StreetAda, OK 74820
Davis Branch1200 East Main StreetDavis, OK 73030
Arlington Center Branch1901 Arlington StAda, OK 74820
Durant Branch2514 University BoulevardDurant, OK 74701
Meeker Branch409 South DawsonMeeker, OK 74855
Shawnee Branch4301 N. Harrison StreetShawnee, OK 74804
Prague Branch802 Jim Thorpe BlvdPrague, OK 74864