Vision Bank (OK)

Overview / Commentary
101 East Main Street
Ada, OK 74820

Vision Bank (OK) is headquartered in Ada and is the 19th largest bank in the state of Oklahoma. It is also the 1,087th largest bank in the nation. It was established in 1924 and as of December of 2020, it had grown to 215 employees at 9 locations. Vision Bank (OK) has an A 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.






Health Grade Components

FDIC Certificate #4029
Year Established1924
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD12.41%
Annual Interest Income$31.3MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$826.9MM$690.2MM
LoansQ4 2020vs Q4 2019$496.0MM$472.5MM
DepositsQ4 2020vs Q4 2019$674.6MM$535.1MM
Equity CapitalQ4 2020vs Q4 2019$76.7MM$70.8MM
Loan Loss AllowanceQ4 2020vs Q4 2019$7.4MM$6.3MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$7.7MM$6.4MM
Real Estate OwnedQ4 2020vs Q4 2019$155.00K$554.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Vision Bank (OK) Savings Account Rates


Vision Bank (OK) Checking Account Rates

0.15%*$1.5k*-High Interest Checking
OTHER TIERS: 0.05% Up to $1.5k
0.05%--Interest Checking
0.05%--55+ Checking

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

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