MT. Victory State Bank
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Data as of · sourced from FFIEC call reports. How we update
MT. Victory State Bank is an FDIC-insured commercial bank headquartered in Mount Victory, OH, established in 1929 (FDIC certificate 9438), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $23.4M, up 9.8% from Q2 2025, the 153rd largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.44% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9438
- Headquarters
- Mount Victory, OH
- Established
- 1929
- Total assets, Q2 2026
- $23.4M
- Assets vs Q2 2025
- +9.8%
- Tier 1 leverage ratio, Q2 2026
- 10.44%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 041213704
- Latest call report
- Q2 2026, FFIEC 051 · MT. Victory State Bank call report
- Holding company
- VICTORY BANCSHARES, INC.
- Asset rank in state
- 153rd of 154 in Ohio
MT. Victory State Bank, based in Mount Victory, Ohio, reported $23 million in assets at June 30, 2026, up 9.8% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). It also keeps 4.93 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.87 cents).
Earnings jumped: net income for the quarter was $73,000, 30% above the same quarter a year earlier. Where it has less room is capital: it funds 10.44% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, MT. Victory State Bank reported a return on assets of 1.22%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, MT. Victory State Bank is the 153rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $23.4M, loans rose 1.0% and deposits fell 0.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.9% of total loans, ahead of commercial and industrial loans at 19.3%. Its one office in the FDIC Summary of Deposits is in Mount Victory, OH. Judged on its Q2 2026 call report, MT. Victory State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 103 S Main St, Mount Victory, OH 43340
- County
- Hardin
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 14, 1929
- Former names
- The Mt. Victory State Bank (1959)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 4
- Domestic deposits
- $21.0M
- Allowance for credit losses
- $392K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $24.0M
- Average total loans
- $14.3M
- Average interest-bearing deposits
- $14.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9438
- Fed RSSD
- 274025
- Website
- www.mtvictorybank.com →
- Parent Holding Company
- VICTORY BANCSHARES, INC. (RSSD 2266873)
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, MT. Victory State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, MT. Victory State Bank's total assets ran between $21.1M (Q3 2023) and $23.5M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$23.4M total assets against $21.3M; $21.0M total liabilities against $19.2M.
$13.9M net loans and leases against $12.8M; $21.0M total deposits against $19.2M.
$2.9M securities against $3.4M; $5.8M cash and balances due against $4.4M.
$350K total interest income against $314K; $76K total interest expense against $63K.
$274K net interest income against $251K.
$14K total noninterest income against $10K; $174K total noninterest expense against $168K.
$25K provision for credit losses against $25K.
$73K net income against $56K.
1.22% return on assets against 1.03%; 4.93% net interest margin against 4.96%.
10.44% tier 1 leverage ratio against 10.72%.
Inside the full MT. Victory State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.30% (Q4 2024) to 1.32% (Q1 2026) and its net interest margin ran from 4.65% (Q4 2024) to 5.09% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.44% | 1.22% | 0.00% | 0.00% | 4.93% |
| Q1 2026 | 10.41% | 1.32% | 1.90% | 10.13% | 4.78% |
| Q4 2025 | 10.27% | 0.10% | 0.84% | 4.53% | 5.09% |
| Q3 2025 | 10.77% | 1.13% | 0.00% | 0.00% | 4.90% |
| Q2 2025 | 10.72% | 1.03% | 0.03% | 0.16% | 4.96% |
| Q1 2025 | 10.46% | 1.21% | 0.06% | 0.34% | 4.96% |
| Q4 2024 | 9.75% | -0.30% | 0.12% | 0.67% | 4.65% |
| Q3 2024 | 10.23% | 0.93% | 0.23% | 1.24% | 4.75% |
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 |
|---|---|---|---|
| The Mt. Victory State Bank | Mount Victory , OH | 43340 | $21.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 178 of 184 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 MT. Victory State Bank
What are MT. Victory State Bank's total assets?
As of the Q2 2026 filing, MT. Victory State Bank reported total assets of $23.4 million in its FFIEC call report.
Where is MT. Victory State Bank headquartered?
It is headquartered in Mount Victory, OH, United States.
When was MT. Victory State Bank founded?
It was established in 1929, per the FDIC institution directory.
Is MT. Victory State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9438). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates MT. Victory State Bank?
MT. Victory State Bank's primary federal regulator is the FDIC.
How many branches does MT. Victory State Bank 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 MT. Victory State Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was MT. Victory State Bank previously called?
The charter now named MT. Victory State Bank has also operated as The Mt. Victory State Bank (1959), per FDIC structure-change records.
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