VisionBank: how it compares with its peers
Against 98 MN banks with half to twice its assets, VisionBank's strongest measure in Q2 2026 is efficiency ratio (40.00% vs. a 62.41% peer median). Its weakest relative measure is net interest margin (3.67% vs. 3.99%).
| Measure | VisionBank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.13% | 1.30% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.67% | 3.99% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 40.00% | 62.41% | Top third Ahead of 99% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $18.1M | $7.4M | Top third Ahead of 99% of peers |
| Loans to deposits Net loans and leases over total deposits. | 121.39% | 76.24% | Context |
What it means for lending operations
Its efficiency ratio of 40.00% is better than the 62.41% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Union Bank and Trust Company Minneapolis, MN · $253M
- Drake Bank Saint Paul, MN · $247M
- Cornerstone State Bank Montgomery, MN · $247M
- Grand Rapids State Bank Grand Rapids, MN · $261M
- Security Bank USA Bemidji, MN · $264M
- First Farmers & Merchants National Bank Luverne, MN · $243M
Questions about VisionBank
How big is VisionBank?
VisionBank, established in 2005, is headquartered in Saint Louis Park, MN. It reported $254M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is VisionBank's return on assets?
2.13% annualized in Q2 2026, against a 1.30% median for 98 MN banks with half to twice its assets, ahead of 94% of them.
What is VisionBank's efficiency ratio?
40.00% in Q2 2026: it spent about 40 cents in noninterest expense for each dollar of revenue. The peer median is 62.41%, and lower is better.
Is VisionBank growing its loans?
Net loans shrank 3.7% over the year to Q2 2026, while deposits shrank 5.0%.
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 MN 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 Minnesota bank ranked.