Bank of Vici
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Data as of · sourced from FFIEC call reports. How we update
Bank of Vici is an FDIC-insured commercial bank headquartered in Vici, OK, established in 1902 (FDIC certificate 420), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $27.3M, down 16.5% from Q2 2025, the 164th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 5.23% at Q2 2026, not above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 420
- Headquarters
- Vici, OK
- Established
- 1902
- Total assets, Q2 2026
- $27.3M
- Assets vs Q2 2025
- -16.5%
- Tier 1 leverage ratio, Q2 2026
- 5.23%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103109523
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Vici call report
- Holding company
- VICI BANCORPORATION
- Asset rank in state
- 164th of 169 in Oklahoma
Bank of Vici spends more to run itself than most banks of its size. Its balance sheet stood at $27 million at June 30, 2026, down 16.5% from a year earlier; it is based in Vici, Oklahoma. It spends about 130 cents to bring in each dollar of revenue, about double the median of 69 cents for the 583 banks with less than $100 million in assets. It also funds 5.23% of its assets with Tier 1 capital, about a third the median of 13.06% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.68% of loans from 5.22%. Its securities portfolio is underwater by $1.2 million, an amount equal to 71% of Tier 1 capital. Credit is the area to watch: it carries problem assets equal to 23.5% of the capital and reserves that would absorb them, 17.1 times the median of 1.4% for banks its size.
As of June 30, 2026, Bank of Vici reported a return on assets of -20.95%, a nonperforming-loan ratio of 1.68% and a Texas ratio of 23.55%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Vici is the 164th largest of the 169 banks headquartered in Oklahoma. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 13.9% to $27.3M, loans fell 17.8% and deposits fell 10.1%. Commercial and industrial loans made up 30.0% of its total loans on June 30, 2026, its largest category; next came auto loans at 14.1%. The FDIC Summary of Deposits lists a single office for it, in Vici, OK.
Headquarters Profile
- Address
- 121 W Broadway, Vici, OK 73859
- County
- Dewey
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $26.8M
- Allowance for credit losses
- $400K
- Net charge-offs (YTD)
- $1.6M
- Average total assets
- $31.2M
- Average total loans
- $14.5M
- Average interest-bearing deposits
- $20.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 420
- Fed RSSD
- 286251
- Website
- http://www.bankofvici.com →
- Parent Holding Company
- VICI BANCORPORATION (RSSD 1055605)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Vici reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Vici's total assets moved between a low of $27.3M (Q2 2026) and a high of $34.9M (Q4 2024) from Q3 2023 to Q2 2026, and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$27.3M total assets against $32.7M; $26.8M total liabilities against $31.0M.
$12.0M net loans and leases against $15.5M; $26.8M total deposits against $30.9M.
$6.8M securities against $7.3M; $6.0M cash and balances due against $7.3M.
$377K total interest income against $436K; $128K total interest expense against $190K.
$249K net interest income against $246K.
$56K total noninterest income against $75K; $399K total noninterest expense against $1.0M.
$1.5M provision for credit losses against $171K.
-$1.6M net income against -$882K.
-20.95% return on assets against -10.07%; 3.50% net interest margin against 3.13%.
5.23% tier 1 leverage ratio against 8.58%.
Inside the full Bank of Vici terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -20.95% (Q2 2026) to 0.55% (Q3 2024) and its net interest margin ran from 3.13% (Q2 2025) to 5.69% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 5.23% | -20.95% | 1.68% | 23.55% | 3.50% |
| Q1 2026 | 9.10% | -0.67% | 2.39% | 15.55% | 4.20% |
| Q4 2025 | 9.90% | -1.23% | 3.12% | 18.93% | 5.69% |
| Q3 2025 | 8.48% | -2.23% | 5.02% | 38.24% | 3.62% |
| Q2 2025 | 8.58% | -10.07% | 5.22% | 41.09% | 3.13% |
| Q1 2025 | 10.98% | -7.06% | 7.51% | 44.63% | 3.59% |
| Q4 2024 | 13.07% | -7.29% | 8.36% | 48.29% | 4.09% |
| Q3 2024 | 15.94% | 0.55% | 10.76% | 50.42% | 4.62% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Vici (main office) | Vici , OK | 73859 | $26.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 183 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Vici
What are Bank of Vici's total assets?
As of the Q2 2026 filing, Bank of Vici reported total assets of $27.3 million in its FFIEC call report.
Where is Bank of Vici headquartered?
It is headquartered in Vici, OK, United States.
When was Bank of Vici founded?
It was established in 1902, per the FDIC institution directory.
Is Bank of Vici FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #420). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Vici?
Bank of Vici's primary federal regulator is the FDIC.
How many branches does Bank of Vici operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Vici's Texas Ratio?
Its Texas Ratio is 23.55% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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