VISIONBANK OF IOWA: how it compares with its peers
Against 59 IA banks with half to twice its assets, VISIONBANK OF IOWA's strongest measure in Q2 2026 is return on assets (1.51% vs. a 1.39% peer median). Its weakest relative measure is assets per employee ($6.9M vs. $8.1M).
| Measure | VISIONBANK OF IOWA | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.51% | 1.39% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.80% | 3.63% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.81% | 55.46% | Bottom third Ahead of 24% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $8.1M | Bottom third Ahead of 20% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.40% | 87.50% | Context |
What it means for lending operations
Its efficiency ratio of 61.81% is above the 55.46% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- BankIowa Cedar Rapids, IA · $846M
- Premier Bank Rock Valley, IA · $826M
- CUSB Bank Cresco, IA · $812M
- Primebank Le Mars, IA · $801M
- Decorah Bank & Trust Company Decorah, IA · $794M
- City State Bank Norwalk, IA · $788M
Questions about VISIONBANK OF IOWA
How big is VISIONBANK OF IOWA?
VISIONBANK OF IOWA, established in 1884, is headquartered in Ames, IA. It reported $896M in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is VISIONBANK OF IOWA's return on assets?
1.51% annualized in Q2 2026, against a 1.39% median for 59 IA banks with half to twice its assets, ahead of 63% of them.
What is VISIONBANK OF IOWA's efficiency ratio?
61.81% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 55.46%, and lower is better.
Is VISIONBANK OF IOWA growing its loans?
Net loans shrank 0.2% over the year to Q2 2026, while deposits shrank 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.