VISIONBANK OF IOWA

104 Chestnut St
Ames, IA 50010

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11763
Date Established 1884
Assets $0.47 billion
Loans $0.37 billion
Deposits $0.36 billion
Capital $0.05 billion

VISIONBANK OF IOWA is an FDIC insured institution located in Ames, IA. It was founded in 1884 and has approximately $0.47 billion in assets. Customers can open an account at one of its 9 branches.

For a more detailed analysis of VISIONBANK OF IOWA's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in VISIONBANK OF IOWA’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Iowa, VISIONBANK OF IOWA has a significantly higher percent of Multifamily Mortgages, Construction and Development Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.28
Multifamily
Mortgages
9.00
Credit Card Loans 0.08
Consumer Auto Loans 0.03
Small Business Loans 9.21
Construction and Development Loans 14.50
Commercial Real Estate 45.27
Commercial and Industrial Loans 4.98
Farm Loans 3.87

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
6 Mo CD 10K
0.15% $1,000 $99,999 Learn MoreShow Less
6 Mo CD 100K
0.15% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.05% $2,500 $4,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.30% $1,000 $99,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.05% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.07% $25,000 $49,999 Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.05% $10,000 $24,999 Learn MoreShow Less
Premium MM 25K
0.07% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $5,000 $24,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for VISIONBANK OF IOWA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to VISIONBANK OF IOWA
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

VISIONBANK OF IOWA branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Visionbank Of Iowa Locations

Financial Details

VISIONBANK OF IOWA Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of VISIONBANK OF IOWA. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
VISIONBANK OF IOWA U.S. Bank Average
4.33% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, VISIONBANK OF IOWA had $376,000 in non-current loans and $1,919,000 in owned real estate. To cover these potential losses it had $49,039,000 in equity and $3,932,000 in loans loss reserves. That gives it a Texas Ratio of 4.33%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
VISIONBANK OF IOWA U.S. Bank Average
7.05% 8.58

VISIONBANK OF IOWA has a Return on Equity of 7.05% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
VISIONBANK OF IOWA U.S. Bank Average
10.53% 12.11

VISIONBANK OF IOWA has a Capitalization of 10.53% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

VISIONBANK OF IOWA Balance Sheet Analysis

As of June 30, 2017, VISIONBANK OF IOWA had assets of $465,520,000, loans of $367,936,000, and deposits of $362,537,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About VISIONBANK OF IOWA

Branches and Savings

Is VISIONBANK OF IOWA FDIC insured?

Yes. It is covered under FDIC Certificate #11763.

Why does VISIONBANK OF IOWA pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are VISIONBANK OF IOWA CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is VISIONBANK OF IOWA a commercial bank?

Yes

Where are VISIONBANK OF IOWA locations?

See branch locations nearby.

Is VISIONBANK OF IOWA open on Saturdays?

Is VISIONBANK OF IOWA open on Sundays?

What time does VISIONBANK OF IOWA open?

What time does VISIONBANK OF IOWA close?

Are VISIONBANK OF IOWA ATMs Open 24/7?

Do VISIONBANK OF IOWA ATMs accept cash deposits?

Can VISIONBANK OF IOWA customers use other ATMs?

Do VISIONBANK OF IOWA branches have notaries?

Will VISIONBANK OF IOWA notarize my document?

What address for VISIONBANK OF IOWA should I put for incoming ACH transfers?

Will the VISIONBANK OF IOWA branch print checks?

Do VISIONBANK OF IOWA checks expire?

Does VISIONBANK OF IOWA require US citizenship to open account?

Can VISIONBANK OF IOWA close my account?

Does VISIONBANK OF IOWA Report to credit bureaus?

Does VISIONBANK OF IOWA Use Equifax?

What is VISIONBANK OF IOWA's ACH Routing Number?

What is VISIONBANK OF IOWA's SWIFT code?

Products

Does VISIONBANK OF IOWA offer mortgages?

Compare mortgage rates here.

Does VISIONBANK OF IOWA offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does VISIONBANK OF IOWA offer personal loans?

Compare personal loan rates here.

Does VISIONBANK OF IOWA offer student loans?

Will VISIONBANK OF IOWA cash a check?

Will VISIONBANK OF IOWA redeem a savings bond?

Does VISIONBANK OF IOWA cash savings bonds?

Will VISIONBANK OF IOWA cash money orders?

Can VISIONBANK OF IOWA issue a money order?

Does VISIONBANK OF IOWA do currency exchange?

Background on The Bank

Who owns VISIONBANK OF IOWA?

How long has VISIONBANK OF IOWA been around?

Can VISIONBANK OF IOWA transfer to other banks?

Does VISIONBANK OF IOWA have quick pay?

Does VISIONBANK OF IOWA accept rolled coins?

Will VISIONBANK OF IOWA accept loose change?

Where is VISIONBANK OF IOWA headquarters?

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