VICTORY BANK
VICTORY BANK is an FDIC-insured commercial bank headquartered in LUBBOCK, TX, established in 1917. As of , 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 4.58%. CET1 capital ratio: 12.15%, well above regulatory minimums. NPL ratio: 0.03% · Texas Ratio: 0.11%. Operates 3 domestic branches.
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.15% | 1.23% | 0.03% | 0.11% | 4.58% |
| 2025-09-30 | 12.20% | 0.80% | 0.05% | 0.16% | 4.31% |
| 2025-06-30 | 11.95% | 0.52% | 0.03% | 0.11% | 4.34% |
| 2025-03-31 | 24.52% | 0.35% | 0.04% | 0.12% | 4.18% |
| 2024-12-31 | 28.98% | 0.56% | 0.07% | 0.15% | 4.61% |
| 2024-09-30 | 31.56% | 0.60% | 0.07% | 0.16% | 5.05% |
| 2024-06-30 | 34.37% | 0.29% | 0.05% | 0.09% | 5.13% |
| 2024-03-31 | 35.11% | -0.25% | 0.11% | 0.21% | 5.35% |
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Frequently asked about VICTORY BANK
What are Victory Bank's total assets?
As of the Q4 2025 filing, Victory Bank reported total assets of $252.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Victory Bank headquartered?
Victory Bank is headquartered in LUBBOCK, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Victory Bank founded?
Victory Bank was established in 1917, per the FDIC institution directory.
Is Victory Bank FDIC-insured?
Yes. Victory Bank is an FDIC-insured commercial bank (FDIC Certificate #18677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Victory Bank?
Victory Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Victory Bank's CET1 capital ratio?
Victory Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.15% in its most recent quarterly filing — above regulatory minimums.
How many branches does Victory Bank operate?
Victory Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Victory Bank's Texas Ratio?
Victory Bank's Texas Ratio is 0.11% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.