Banks VICTORY BANK

VICTORY BANK

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

VICTORY BANK is an 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%. CET1 capital ratio: 12.15%, well above regulatory minimums. NPL ratio: 0.03% · Texas Ratio: 0.11%.

Assets
$252M
Deposits
$219M
Loans
$127M
Equity
$33M

Profitability

Return on Assets (ROA)1.23%
Return on Equity (ROE)9.49%
Net Interest Margin4.71%
Yield on Assets6.66%
Cost of Funds2.07%

Asset Quality

NPL Ratio0.03%
Net Charge-Off Ratio0.02%
Texas Ratio0.11%
NPA Ratio0.02%
ACL / Loans1.03%

Capital & Liquidity

CET1 Ratio12.15%
Tier 1 Capital12.15%
Total Capital Ratio12.75%
Leverage Ratio12.18%
Loan-to-Deposit58.09%

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