VisionBank
Major Rating Factors:
A current level of 7.3 percent of nonperforming loans to core capital combined with 48.4 percent from a year earlier contributes to the Weak asset quality (2.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.3 has resulted in Excellent (9.8) profitability. Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 9.6.
Asset Mix:
Comm re (46%), home mtgs (19%), cash (11%), comm loans (7%), home eq lns (1%), other (17%)
States with Branches:
MN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Vision Bancshares, Inc.
Investment Rating
--
Address
3059 Joppa Avenue South
Saint Louis Park, MN 55416
Saint Louis Park, MN 55416
Phone Number
(952) 920-8400
Year Founded
2005
FDIC Number
Website
Largest Affiliates
No affiliate information available.