Visionbank of Iowa (FDIC certificate #11763) is based in Ames, Iowa. Its Q2 2026 call report shows $896.1M in total assets and $758.9M in deposits and 13 offices.
Based on its Q2 2026 filing, Visionbank of Iowa scores 64/100, which we describe as moderate. That is higher than only 26% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 176th. Its strongest component is problem-loan coverage (89/100; 5.4%), and its lowest is capital cushion (44/100; 9.43%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 64).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 67 |
| Q4 2024 | 64 |
| Q1 2025 | 64 |
| Q2 2025 | 64 |
| Q3 2025 | 64 |
| Q4 2025 | 61 |
| Q1 2026 | 63 |
| Q2 2026 | 64 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.91% |
| Q3 2024 | 8.86% |
| Q4 2024 | 8.55% |
| Q1 2025 | 8.76% |
| Q2 2025 | 8.93% |
| Q3 2025 | 8.89% |
| Q4 2025 | 8.91% |
| Q1 2026 | 9.28% |
| Q2 2026 | 9.43% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.23% |
| Q2 2025 | 0.34% |
| Q3 2025 | 0.41% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.71% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.08% |
| Q3 2024 | 1.09% |
| Q4 2024 | 1.06% |
| Q1 2025 | 1.07% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.27% |
| Q4 2025 | 1.31% |
| Q1 2026 | 1.42% |
| Q2 2026 | 1.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $896.1M | 9.43% | 0.71% | 1.51% | 98.4% |
| Q1 2026 | 63 | $899.9M | 9.28% | 0.72% | 1.42% | 103.3% |
| Q4 2025 | 61 | $898.5M | 8.91% | 0.77% | 1.31% | 100.5% |
| Q3 2025 | 64 | $900.0M | 8.89% | 0.41% | 1.27% | 101.6% |
| Q2 2025 | 64 | $913.1M | 8.93% | 0.34% | 1.20% | 97.0% |
| Q1 2025 | 64 | $911.7M | 8.76% | 0.23% | 1.07% | 100.2% |
| Q4 2024 | 64 | $901.6M | 8.55% | 0.15% | 1.06% | 100.8% |
| Q3 2024 | 67 | $887.4M | 8.86% | 0.03% | 1.09% | 96.4% |
| Q2 2024 | 65 | $843.2M | 8.91% | 0.15% | 1.08% | 99.9% |
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 Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| BankIowaBank Cedar Rapids, IA | 70 out of 100, Strong | $846.2M | 12.5% | 1.00% | vs |
| Premier BankBank Rock Valley, IA | 60 out of 100, Moderate | $826.5M | 9.5% | 1.51% | vs |
| CUSB BankBank Cresco, IA | 74 out of 100, Strong | $812.1M | 12.3% | 0.65% | vs |
| PrimebankBank Le Mars, IA | 61 out of 100, Moderate | $800.6M | 11.0% | 1.86% | vs |
| Decorah Bank & Trust CompanyBank Decorah, IA | 74 out of 100, Strong | $794.1M | 10.4% | 0.49% | vs |
| City State BankBank Norwalk, IA | 72 out of 100, Strong | $787.9M | 9.4% | 0.27% | vs |
Deposit insurance
Is my money safe at Visionbank of Iowa?
Yes. Visionbank of Iowa is an FDIC-insured institution (FDIC certificate #11763). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.2% of deposits ($214.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.43%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.04% (benchmark: 10%).
13 locations
Branches
Visionbank of Iowa lists 12 offices in 10 cities. Most locations:
- Ames, IA (3)
- Altoona, IA (1)
- Bondurant, IA (1)
- Boone, IA (1)
- Clive, IA (1)
- Grimes, IA (1)
- Huxley, IA (1)
- Mitchellville, IA (1)
- Ogden, IA (1)
- Waukee, IA (1)
HMDA 2025
Mortgage lending
In 2025, Visionbank of Iowa reported 122 home-loan applications under HMDA (LEI 254900040LMONERSH242): 63 originated ($27,005,000 total), 7 denied, and 49 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Visionbank of Iowa
- Former names
- Ames Community Bank; City State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 11763
- RSSD ID
- 269049
- Primary regulator
- FED
- Holding company
- Visionbankshares Inc
- Established
- June 1, 1884
- Headquarters
- 104 Chestnut St, Ames, IA 50010
- Website
- www.visionbank.com
- Employees
- 130
Quick answers
Visionbank of Iowa: common questions
Is Visionbank of Iowa FDIC insured?
Yes. Visionbank of Iowa is an FDIC-insured institution (FDIC certificate #11763). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Visionbank of Iowa's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Visionbank of Iowa ever failed?
There is no failure record for FDIC certificate #11763 in the FDIC failed bank list.
How many branches does Visionbank of Iowa have?
13 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ames
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security Savings BankBank Gowrie, IA | 89 out of 100, Very strong | $193.7M | 13.2% | 0.04% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| Community Choice Credit UnionCredit union Johnston, IA | 79 out of 100, Strong | $922.9M | 12.7% | 0.57% | vs |
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |
| Community State BankBank Ankeny, IA | 76 out of 100, Strong | $1.7B | 11.7% | 0.19% | vs |
| United Bank of IowaBank Ida Grove, IA | 73 out of 100, Strong | $2.5B | 10.3% | 0.26% | vs |