Headquartered in Ada, Oklahoma, Vision Bank is a state-chartered bank (fed member) with $999.6M in total assets and $836.0M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1924.
Vision Bank has a TellerScore of 47 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 149th. Earnings contributes the most (71/100, 1.29%); loan quality contributes the least (14/100, 2.59%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 14 points (61 → 47), mostly because the loan quality component weakened by 52 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 55 |
| Q4 2024 | 57 |
| Q1 2025 | 61 |
| Q2 2025 | 61 |
| Q3 2025 | 60 |
| Q4 2025 | 43 |
| Q1 2026 | 47 |
| Q2 2026 | 47 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.60% |
| Q3 2024 | 8.74% |
| Q4 2024 | 8.99% |
| Q1 2025 | 9.22% |
| Q2 2025 | 9.36% |
| Q3 2025 | 9.59% |
| Q4 2025 | 9.48% |
| Q1 2026 | 9.10% |
| Q2 2026 | 9.20% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.09% |
| Q4 2024 | 1.05% |
| Q1 2025 | 1.01% |
| Q2 2025 | 1.01% |
| Q3 2025 | 1.22% |
| Q4 2025 | 2.82% |
| Q1 2026 | 2.58% |
| Q2 2026 | 2.59% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.83% |
| Q1 2025 | 1.26% |
| Q2 2025 | 1.22% |
| Q3 2025 | 1.22% |
| Q4 2025 | 1.12% |
| Q1 2026 | 1.43% |
| Q2 2026 | 1.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 47 | $999.6M | 9.20% | 2.59% | 1.29% | 82.9% |
| Q1 2026 | 47 | $991.8M | 9.10% | 2.58% | 1.43% | 84.2% |
| Q4 2025 | 43 | $959.3M | 9.48% | 2.82% | 1.12% | 87.6% |
| Q3 2025 | 60 | $947.1M | 9.59% | 1.22% | 1.22% | 88.7% |
| Q2 2025 | 61 | $939.9M | 9.36% | 1.01% | 1.22% | 88.7% |
| Q1 2025 | 61 | $956.5M | 9.22% | 1.01% | 1.26% | 86.0% |
| Q4 2024 | 57 | $968.7M | 8.99% | 1.05% | 0.83% | 84.1% |
| Q3 2024 | 55 | $963.7M | 8.74% | 1.09% | 0.73% | 84.3% |
| Q2 2024 | 54 | $997.3M | 8.60% | 1.17% | 0.73% | 78.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank & Trust Co.Bank Duncan, OK | 61 out of 100, Moderate | $952.1M | 14.9% | 5.22% | vs |
| First National Bank of OklahomaBank Oklahoma City, OK | 66 out of 100, Moderate | $949.9M | 10.5% | 1.39% | vs |
| Security BankBank Tulsa, OK | 81 out of 100, Strong | $939.0M | 11.8% | 0.15% | vs |
| Valliance BankBank Oklahoma City, OK | 47 out of 100, Below average | $923.3M | 9.3% | 1.58% | vs |
| F&M BankBank Edmond, OK | 71 out of 100, Strong | $915.3M | 10.0% | 0.36% | vs |
| SpiritBankBank Tulsa, OK | 63 out of 100, Moderate | $912.8M | 9.3% | 0.86% | vs |
Deposit insurance
Is my money safe at Vision Bank?
Yes. Vision Bank is an FDIC-insured institution (FDIC certificate #4029). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.4% of deposits ($170.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.20%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.38% (benchmark: 10%).
10 locations
Branches
Vision Bank lists 10 offices in 8 cities. Most locations:
- Ada, OK (3)
- Davis, OK (1)
- Durant, OK (1)
- Meeker, OK (1)
- Norman, OK (1)
- Prague, OK (1)
- Shawnee, OK (1)
- Sulphur, OK (1)
Identity & history
Profile
- Legal name
- Vision Bank
- Former names
- The First National Bank and Trust Company of Ada; Vision Bank, National Association; The First National Bank in Ada
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 4029
- RSSD ID
- 241157
- Primary regulator
- FED
- Holding company
- Vision Bancshares Inc
- Established
- November 1, 1924
- Headquarters
- 101 E Main St, Ada, OK 74820
- Website
- www.visionbank.bank
- Employees
- 194
Quick answers
Vision Bank: common questions
Is Vision Bank FDIC insured?
Yes. Vision Bank is an FDIC-insured institution (FDIC certificate #4029). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Vision Bank's TellerScore?
47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Vision Bank ever failed?
There is no failure record for FDIC certificate #4029 in the FDIC failed bank list.
How many branches does Vision Bank have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ada
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| Sooner State BankBank Tuttle, OK | 86 out of 100, Very strong | $354.6M | 12.8% | 0.33% | vs |
| Farmers State Bank, Allen, OklahomaBank Allen, OK | 86 out of 100, Very strong | $57.2M | 13.5% | 0.61% | vs |
| Tinker Federal Credit UnionCredit union Oklahoma City, OK | 83 out of 100, Strong | $6.1B | 14.7% | 0.63% | vs |
| First American BankBank Stonewall, OK | 82 out of 100, Strong | $34.3M | 13.1% | 0.67% | vs |
| First National Bank and Trust Company of ArdmoreBank Ardmore, OK | 79 out of 100, Strong | $686.7M | 10.1% | 0.03% | vs |