VICTORY BANK

LUBBOCK, TX | Small | Est. Jan. 1, 1917, midnight | FDIC #18677 | RSSD #304762 | FDIC
Latest Report: 2025-12-31

VICTORY BANK is asn small FDIC-insured commercial bank headquartered in LUBBOCK, TX, established in Jan. 1, 1917, midnight. As of 2025-12-31, the bank reported total assets of $252M and total deposits of $219M. Profitability stands at 1.23% ROA and 9.49% ROE, with a net interest margin of 4.71%. The bank's CET1 capital ratio is 12.15%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.11%. FDIC Certificate #18677.

Assets

$252M

Deposits

$219M

Loans

$127M

Equity

$33M

Profitability

Return on Assets (ROA) 1.23%
Return on Equity (ROE) 9.49%
Net Interest Margin (NIM) 4.71%
Yield on Assets 6.66%
Cost of Funds 2.07%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.11%
NPA Ratio 0.02%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 12.15%
Tier 1 Capital 12.15%
Total Capital Ratio 12.75%
Leverage Ratio 12.18%
Loan-to-Deposit 58.09%

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