🏦Bank Scorer

VISION BANK, NATIONAL ASSOCIATION

ADA, OK · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1924FDIC #4,029
Satisfactory Same

Current rating · Exam: December 2019

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.43%

Is this bank safe?

VISION BANK, NATIONAL ASSOCIATION holds a Satisfactory CRA rating (2019), and is financially strong (ROA +1.43%).

Institution Profile

FDIC BankFind

Address

101 E Main St, ADA, OK

County

Pontotoc County

Established

November 1, 1924

Total Assets

$992M(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

December 2, 2019

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 6 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$992M

Total Deposits

$831M

Net Loans

$699M

Net Income

$3M

ROA

1.43%

Above avg for Small banks. Peer avg: 0.44%

ROE

19.43%

Risk-Based Capital

13.87%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA1.43%Peer avg: 0.44%▲ Above avg
Risk-Based Capital13.87%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate10.14%Peer avg: 6.90%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$772M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202343475.12%10.14%
202259678.02%6.38%
202178673.79%6.74%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Dec 2019SatisfactoryIntermediate Small Bank
Mar 2016SatisfactoryIntermediate Small Bank
Jul 2012SatisfactoryIntermediate Small Bank

4 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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