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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Oklahoma, the state note

Vision Bank

Ada, Oklahoma · $1000M in assets · beside the 11 other Oklahoma banks between $300M and $1B

The filing

7.3%
Equity / assets
12th of 12
69.2%
Efficiency
12th of 12
2.59%
NPA / loans
11th of 12

Vision Bank is the largest of the 12 Oklahoma banks nearest its size between $300M and $1B, with $1000M in assets at 30 June 2026. Loans are 84.4% of deposits, 5th of 12 against a median of 89.9%, and equity is 7.3% of assets, the lowest in the cohort. Loans grew +1.5% in the year, 10th of 12, and deposits grew 8.3%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 2.59% of the book, 11th of 12 against a median of 0.57%; 0.65% is 30 to 89 days past due, and the allowance covers them 0.7 times. Commercial real estate is 29.5% of loans, 2nd of 12 against a median of 38.3%, and 201% of capital, below the 300% screen, with construction at 37% against the 100% screen.

Return on assets is 1.23%, 7th of 12 against a median of 1.34%, on an efficiency ratio of 69.2%, the highest in the cohort. Five years ago it was 1.19%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioOK banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 58.4% SB Security Bank 43.0% FN First National Bank of Oklahoma 45.4% GB Grand Bank 53.1% FB First Bank & Trust Co. 55.5% FM F & M Bank 56.1% QC Quail Creek Bank 56.8% PB Prism Bank 60.0% AN American Nation Bank 62.8% S Spiritbank 64.2% FL First Liberty Bank 65.3% VB Valliance Bank 69.2% VB Vision Bank 69.2%
Loans, year over yearOK banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.3% PB Prism Bank +36.9% VB Valliance Bank +24.2% FM F & M Bank +16.1% GB Grand Bank +10.3% AN American Nation Bank +6.4% FN First National Bank of Oklahoma +6.4% FL First Liberty Bank +4.3% QC Quail Creek Bank +2.3% S Spiritbank +1.8% VB Vision Bank +1.5% SB Security Bank +0.3% FB First Bank & Trust Co. -6.5%

SBA 7(a), FY2008 to FY2026

Vision Bank is the 132nd largest 7(a) lender into Oklahoma of 358, with $4M across 29 loans, 0.1% of everything approved in the state (Bancfirst leads with $793M). 13 of its 14 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Oklahoma, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Pontotoc, OK$3M5th of 326.4%quiet FY2014
Collin, TX$830K192nd of 2610.0%quiet FY2011
Grayson, TX$817K43rd of 810.4%quiet FY2010
Denton, TX$573K175th of 2240.0%quiet FY2008
Pottawatomie, OK$527K15th of 250.8%quiet FY2008
Oklahoma, OK$360K142nd of 1720.0%quiet FY2013
Garvin, OK$319K16th of 231.1%quiet FY2011
Tulsa, OK$173K146th of 1590.0%thin
Murray, OK$130K8th of 92.2%quiet FY2013
Marshall, OK$100K14th of 150.5%quiet FY2009
Bryan, OK$74K14th of 150.4%quiet FY2009
Payne, OK$65K44th of 470.1%quiet FY2009
Coal, OK$44K2nd of 216.1%quiet FY2009
1 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade10$2M25.1%0.00%1258th of 2,589
Accommodation & food services6$1M20.6%0.00%1428th of 2,596
Health care & social assistance4$1M20.0%0.00%1031st of 2,172
Other services3$697K10.4%0.00%1324th of 2,248
Manufacturing4$560K8.4%0.00%1630th of 2,246
7(a) lenders into Oklahoma, share of approvals since FY2008358 lenders on record; the ten largest and Vision Bank
B Bancfirst 18.4% $793M · 2,102 loans FO First Oklahoma Bank 5.8% $251M · 291 loans LO Live Oak Banking Company 5.8% $250M · 177 loans AB Arvest Bank 5.0% $213M · 780 loans SB Security Bank 3.0% $130M · 261 loans FU First United Bank and Trust Compa… 2.6% $114M · 174 loans FP First Pryority Bank 2.0% $84M · 184 loans RB Regent Bank 1.7% $74M · 162 loans PB Peoples Bank and Trust Company 1.7% $73M · 59 loans GP Great Plains National Bank 1.6% $67M · 204 loans VB Vision Bank 0.1% $4M · 29 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Vision BankRankCohort median
Total CRE against capital, the 300% screen201%2nd of 12264%
Construction against capital, the 100% screen37%2nd of 1274%
Construction and land development, share of loans5.4%2nd of 1211.0%
Non-owner-occupied nonfarm nonresidential, share of loans18.2%2nd of 1226.9%
Total CRE, the guidance definition, share of loans29.5%2nd of 1238.3%
CRE growth over 36 months, the third prong-0.5%2nd of 12+13.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Vision Bank$1000M1.2%69.2%2.59%0.02%1.8%84.4%7.3%
First Bank & Trust Co.$952M2.2%55.5%5.22%0.71%1.3%88.5%15.3%
First National Bank of Oklahoma$950M2.3%45.4%1.39%0.07%1.3%93.1%10.1%
Security Bank$939M2.2%43.0%0.15%0.02%2.0%93.6%11.6%
Valliance Bank$923M0.6%69.2%1.58%-0.09%1.1%106.5%8.6%
F & M Bank$915M1.2%56.1%0.36%1.82%1.1%82.0%10.5%
Spiritbank$913M0.9%64.2%0.86%0.29%1.3%74.7%9.2%
First Liberty Bank$885M1.1%65.3%0.07%0.18%1.5%94.3%11.1%
Quail Creek Bank$831M1.7%56.8%0.65%0.08%1.2%81.9%8.7%
Prism Bank$721M0.9%60.0%0.49%-0.02%1.1%96.4%9.4%
Grand Bank$713M1.5%53.1%0.00%0.00%1.6%91.2%9.3%
American Nation Bank$691M1.5%62.8%0.06%0.00%1.5%84.0%9.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Vision BankCohort median
20212026Change20212026Change
Loans$521M$705M+35%$466M$680M+46%
Deposits$730M$836M+14%$558M$784M+40%
NPA / loans1.14%2.59%+1.44 pts0.63%0.57%-0.06 pts
Efficiency67.2%69.2%+2.0 pts61.0%58.4%-2.6 pts
ROA1.19%1.23%+0.04 pts1.51%1.34%-0.16 pts

This read was prepared for Vision Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Vision Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OK banks $300M to $1B
Institution www.visionbank.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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