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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Ames, IA · FDIC certificate #11763
VISIONBANK OF IOWA is an FDIC-insured institution based in Ames, IA (FDIC certificate #11763). In its Q3 2026 Call Report it reported total assets of $901M, total deposits of $743M and net loans of $766M. Its primary federal regulator is FED.
Plain-language readout
VISIONBANK OF IOWA has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $901M in Q3 2026 and were lowest at $896M in Q2 2026.
Total deposits were highest at $759M in Q2 2026 and lowest at $740M in Q1 2026.
Over the whole period total assets rose 0.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $901M | $743M | $766M | 1.54% | 14.89% | 3.84% |
| Q2 2026 | $896M | $759M | $747M | 1.51% | 14.61% | 3.80% |
| Q1 2026 | $900M | $740M | $764M | 1.42% | 13.93% | 3.74% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $49.4M | $37.1M | +$12.3M | +33.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $61.4M | $58.9M | +$2.6M | +4.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $1.8M | $2.1M | -$262K | -12.7% |
| Net loans and leases (after allowance) | $744.9M | $762.0M | -$17.1M | -2.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $16.7M | $16.8M | -$102K | -0.6% |
| Other real estate owned | $110K | $0K | +$110K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $11.1M | $11.2M | -$159K | -1.4% |
| All other assets | $10.6M | $11.8M | -$1.1M | -9.6% |
| Total assets | $896.1M | $899.9M | -$3.8M | -0.4% |
| Liabilities | ||||
| Total deposits | $758.9M | $740.0M | +$18.9M | +2.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $2.8M | $2.8M | -$4K | -0.1% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $37.0M | $62.0M | -$25.0M | -40.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.0M | $2.7M | +$316K | +11.8% |
| Total liabilities | $801.7M | $807.4M | -$5.8M | -0.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $12.4M | $12.4M | $0K | 0.0% |
| Surplus | $56.7M | $56.7M | $0K | 0.0% |
| Retained earnings | $26.6M | $24.7M | +$1.9M | +7.8% |
| Accumulated other comprehensive income | -$1.3M | -$1.3M | +$64K | +4.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $94.5M | $92.5M | +$2.0M | +2.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $5.5M | $5.5M | -$21K | -0.4% |
| Adjusted nonperforming assets | $3.4M | $5.5M | -$2.1M | -38.5% |
| Tangible equity plus allowance | $91.8M | $89.7M | +$2.1M | +2.4% |
| Texas ratio (gross) | 6.00% | 6.16% | -0.17 pts | See points |
| Texas ratio (adjusted) | 3.70% | 6.16% | -2.46 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 10.95% | 10.44% | +0.51 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 10.95% | 10.44% | +0.51 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.09% | 1.07% | +0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 12.04% | 11.51% | +0.53 pts | See points |
| Tier 1 leverage (approximate) | 9.43% | 9.28% | +0.15 pts | See points |
| Construction and land loans to total capital | 92.73% | 116.02% | -23.29 pts | See points |
| Commercial real estate to total capital | 379.06% | 404.24% | -25.18 pts | See points |
| Dividend payout, year to date | 42.78% | 38.99% | +3.79 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.65% | -1.79% | +0.14 pts | See points |
| Liquidity | ||||
| Core deposits | $742.1M | $721.3M | +$20.9M | +2.9% |
| Non-core funding | $56.5M | $83.5M | -$26.9M | -32.3% |
| Loans to core deposits | 101.51% | 106.82% | -5.31 pts | See points |
| Loans to deposits | 99.27% | 104.13% | -4.86 pts | See points |
| Brokered deposits share of deposits | 0.30% | 0.60% | -0.30 pts | See points |
| Pledged securities share of securities | 8.54% | 8.96% | -0.41 pts | See points |
| Loans pledged, share of loans | 36.57% | 32.25% | +4.32 pts | See points |
| Volatile liabilities | $56.5M | $83.5M | -$26.9M | -32.3% |
| Earnings | ||||
| Earnings before provision, year to date | $7.0M | $3.3M | +$3.7M | +112.2% |
| Earnings before provision, single quarter | $3.7M | $3.3M | +$405K | +12.2% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.96% | 5.84% | +0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 3.73% | 3.67% | +0.06 pts | See points |
| Total interest income to average assets | 5.49% | 5.40% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 2.54% | 2.49% | +0.05 pts | See points |
| Cost of savings and money market deposits | 1.83% | 1.73% | +0.10 pts | See points |
| Cost of time deposits | 3.43% | 3.50% | -0.07 pts | See points |
| Total interest expense to average assets | 1.88% | 1.87% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $901M | $743M | $766M | 1.54% | 14.89% | 3.84% |
| 2026-06-30 | $896M | $759M | $747M | 1.51% | 14.61% | 3.80% |
| 2026-03-31 | $900M | $740M | $764M | 1.42% | 13.93% | 3.74% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IA | $771.4M | 0.61% | 33 | Continuing · +0.05 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.