This institution is no longer active

Operations ceased on July 20, 2007. CRA examination history below reflects the period it was active.

VISION BANK

GULF SHORES, AL · Supervised by FDIC

Est. 2000FDIC #35,374RSSD: FDIC-35374

Part ofPARK NATIONAL CORP→ View all charters

Satisfactory

Current rating · Exam: September 2002

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.85%

Is this bank safe?

VISION BANK holds a Satisfactory CRA rating (2002), meets basic financial requirements (ROA +0.85%).

Institution Profile

FDIC BankFind

Address

2201 West First Street, GULF SHORES, AL

County

Baldwin County

Established

March 29, 2000

Total Assets

$507M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2002

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 23 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2007Call Report / FDIC

Total Assets

$507M

Total Deposits

$383M

Net Loans

$351M

Net Income

$2M

ROA

0.85%

Above avg for Small banks. Peer avg: 0.44%

ROE

4.43%

Risk-Based Capital

12.07%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.85%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.07%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate13.68%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	307	72.64%	13.68%
2020	1,102	74.32%	6.72%
2019	582	76.29%	8.93%
2018	590	74.24%	11.53%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

This is the only examination on record for this bank.

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