104 Chestnut St
Ames, IA 50010
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Notable Rates APY Vs.Others
Savings 0.03% 0.85% →
1-Year CD 0.40% 0.75% →
2-Year CD 0.60% 0.80% →
5-Year CD 1.00% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

VISIONBANK OF IOWA is an FDIC insured institution located in Ames, IA. It was founded in 1884 and has approximately $0.6 billion in assets. Customers can open an account at one of its 9 branches.

FDIC Insured Yes
FDIC Certificate # 11763
Date Established 1884
Assets $ 604.33 million
Loans $ 462.91 million
Deposits $ 490.48 million
Capital $ 59.33 million

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.

Deposit Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.03% $2,500 $4,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
6 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.35% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.45% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.55% $10,000 $14,999 Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
48 Mo CD
0.65% $10,000 $14,999 Learn More
48 Mo CD
0.85% $100,000 $199,999 Learn More
60 Mo CD
0.75% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.01% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Neighbors Bank
NMLS ID: 491986
3.203% 3.125%
1.00 points
$2,500 fees
$1,071 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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


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.

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Climate Initiatives

VISIONBANK OF IOWA is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details


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 are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
3.47% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, VISIONBANK OF IOWA had $1,565,000 in non-current loans and $687,000 in owned real estate. To cover these potential losses it had $59,330,000 in equity and $5,613,000 in loans loss reserves. That gives it a Texas Ratio of 3.47%.

Return on Equity
9.21% 11.29%

VISIONBANK OF IOWA has a Return on Equity of 9.21% versus the BestCashCow average of 11.29%. 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.

9.82% 11.72%

VISIONBANK OF IOWA has a Capitalization of 9.82% versus the BestCashCow average of 11.72. 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, 2021, VISIONBANK OF IOWA had assets of $604,329,000, loans of $462,906,000, and deposits of $490,477,000. 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.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 94.16 million
Interest-bearing balances $ 87.18 million
Total securities $ 26.69 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 462.91 million
Loan loss allowance $ 5.61 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.69 million
Goodwill and other intangibles $ 0.91 million
All other assets $ 6.94 million
     Total Assets $ 545.00 million
Total deposits $ 490.48 million
      Interest-bearing deposits $ 390.64 million
      Deposits held in domestic offices $ 490.48 million
      % insured (estimated) 70.41%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 53.00 million
Subordinated debt N.A.
All other liabilities $ 1.52 million
      Total Liabilities $ 545.00 million
      Shareholders’ Equity $ 59.33 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 9.97 million
Total Interest Expense $ 1.74 million
Net interest income $ 8.23 million
Provision for loan and lease losses N.A.
Total non interest income $ 1.92 million
Total non interest expense $ 7.31 million
Pre-tax Net Operating Income $ 2.84 million

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.40
Credit Card Loans 0.05
Consumer Auto Loans 0.02
Small Business Loans 6.81
Construction and Development Loans 12.52
Commercial Real Estate 47.99
Commercial and Industrial Loans 5.98
Farm Loans 3.31

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?


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?

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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?


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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