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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Iowa, the state note

Visionbank of Iowa

Ames, Iowa · $896M in assets · beside the 11 other Iowa banks between $300M and $1B

The filing

46.7%
CRE / loans
12th of 12
-0.2%
Loans, year over year
12th of 12, largest first
379.1%
CRE / capital
12th of 12

Visionbank of Iowa is the largest of the 12 Iowa banks nearest its size between $300M and $1B, with $896M in assets at 30 June 2026. Loans are 99.5% of deposits, 10th of 12 against a median of 91.6%, and equity is 10.5% of assets, 9th of 12. Loans grew -0.2% in the year, the slowest in the cohort, and deposits fell 1.6%; the cohort's median loan growth is +5.0%.

Noncurrent loans are 0.71% of the book, 7th of 12 against a median of 0.68%; 0.11% is 30 to 89 days past due, and the allowance covers them 1.6 times. Commercial real estate is 46.7% of loans, the highest in the cohort against a median of 16.7%, and 379% of capital, above the 300% screen, with construction at 93% against the 100% screen.

Return on assets is 1.49%, 10th of 12 against a median of 1.57%, on an efficiency ratio of 61.8%, 10th of 12. Five years ago it was 0.91%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 11.4% of loans).

Commercial real estate, share of loansIA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 16.7% CB Cusb Bank 3.1% PB Premier Bank 5.3% P Primebank 11.2% MH Midwest Heritage Bank FSB 14.0% FB First Bank 14.4% FC First Central State Bank 15.5% MB Manufacturers Bank & Trust Co. 17.8% GB Green Belt Bank & Trust 20.0% DB Decorah Bank & Trust Co. 22.0% B Bankiowa 27.2% CS City State Bank 29.6% Vo Visionbank of Iowa 46.7%
Loans, year over yearIA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.0% MH Midwest Heritage Bank FSB +42.0% PB Premier Bank +13.1% P Primebank +10.2% FB First Bank +7.1% FC First Central State Bank +6.6% DB Decorah Bank & Trust Co. +5.0% CS City State Bank +4.9% GB Green Belt Bank & Trust +4.3% CB Cusb Bank +4.2% B Bankiowa +1.6% MB Manufacturers Bank & Trust Co. +0.6% Vo Visionbank of Iowa -0.2%

SBA 7(a), FY2008 to FY2026

Visionbank of Iowa is the 34th largest 7(a) lender into Iowa of 416, with $22M across 39 loans, 0.8% of everything approved in the state (Cedar Rapids Bank and Trust Company leads with $126M). 3 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Iowa, 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
Polk, IA$8M23rd of 1771.1%-0.2 pts
Story, IA$7M2nd of 589.9%+18.2 pts
Dallas, IA$4M6th of 734.4%thin
Boone, IA$2M6th of 237.6%quiet FY2020
Monona, IA$1M1st of 737.6%quiet FY2010
Hamilton, IA$226K8th of 151.9%quiet FY2013
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 trade6$3M14.5%0.01%927th of 2,589
Manufacturing3$3M13.6%0.01%910th of 2,246
Other services2$3M13.4%0.01%728th of 2,248
Accommodation & food services11$3M12.5%0.00%1100th of 2,596
Transportation & warehousing2$2M9.8%0.02%529th of 1,563
7(a) lenders into Iowa, share of approvals since FY2008416 lenders on record; the ten largest and Visionbank of Iowa
CR Cedar Rapids Bank and Trust Compa… 4.4% $126M · 289 loans LS Lincoln Savings Bank 3.9% $113M · 191 loans WF Wells Fargo Bank National Associa… 3.4% $97M · 411 loans FI First Interstate Bank 3.2% $92M · 181 loans LO Live Oak Banking Company 2.9% $85M · 74 loans UB U.S. Bank, National Association 2.8% $82M · 774 loans NB Northwest Bank 2.7% $79M · 233 loans Fa Farmers and Merchants Savings Bank 2.6% $76M · 148 loans FS Farmers State Bank 2.1% $61M · 277 loans BT Bankers Trust Company 2.1% $60M · 199 loans Vo Visionbank of Iowa 0.8% $22M · 39 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers; owner-occupied excluded; bold marks a screen met
Visionbank of IowaRankCohort median
Total CRE against capital, the 300% screen379%12th of 1299%
Construction against capital, the 100% screen93%12th of 1230%
Construction and land development, share of loans11.4%12th of 124.5%
Non-owner-occupied nonfarm nonresidential, share of loans26.6%12th of 128.2%
Total CRE, the guidance definition, share of loans46.7%12th of 1216.7%
CRE growth over 36 months, the third prong+11.9%7th of 12+8.0%

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
Visionbank of Iowa$896M1.5%61.8%0.71%0.01%1.1%99.5%10.5%
Bankiowa$846M1.6%61.6%1.00%-0.06%1.1%97.6%12.5%
Premier Bank$826M2.2%42.2%1.51%0.00%1.2%106.4%10.6%
Cusb Bank$812M1.5%54.5%0.65%0.19%1.4%92.0%11.8%
Primebank$801M2.1%43.5%1.86%0.00%1.0%105.4%10.7%
Decorah Bank & Trust Co.$794M1.6%57.4%0.49%0.09%1.5%83.3%10.1%
City State Bank$788M1.8%57.5%0.27%0.03%1.3%86.6%9.5%
First Central State Bank$772M1.4%52.6%0.21%0.01%1.3%83.5%12.8%
Midwest Heritage Bank FSB$768M1.6%68.0%1.78%0.01%1.5%81.6%12.1%
Green Belt Bank & Trust$759M1.7%52.5%0.04%-0.02%1.4%94.2%9.3%
First Bank$740M1.5%48.0%0.54%0.00%1.2%91.2%13.1%
Manufacturers Bank & Trust Co.$738M1.3%66.0%0.94%0.00%1.5%80.6%10.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Visionbank of IowaCohort median
20212026Change20212026Change
Loans$469M$755M+61%$410M$619M+51%
Deposits$490M$759M+55%$495M$685M+38%
NPA / loans0.33%0.71%+0.38 pts0.29%0.68%+0.40 pts
Efficiency72.0%61.8%-10.2 pts57.0%55.9%-1.1 pts
ROA0.91%1.49%+0.58 pts1.72%1.57%-0.15 pts

This read was prepared for Visionbank of Iowa'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 Visionbank of Iowa 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 IA banks $300M to $1B
Institution www.visionbank.com

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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