MT. Victory State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 1.38 percentage points higher than in Q1 2026, at 12.34%. Within Ohio, MT. Victory State Bank is 65th of 156 on return on assets, 1.22% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. MT. Victory State Bank sits 0.23 points higher, at 1.22% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.44% |
| Equity capital to assets | 10.21% |
| Tangible equity to tangible assets | 10.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 2.74% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 12.48% |
| Net interest margin | 4.93% |
| Efficiency ratio | 59.92% |
| Yield on earning assets | 6.29% |
| Cost of funds | 1.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.24% |
| Core deposits to total deposits | 89.56% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.70% |
| Securities to assets | 12.34% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.94% | 0.90% | 3.87% | 0.00% | 0.00% |
| Q4 2023 | 9.45% | 0.20% | 4.22% | 0.00% | 0.53% |
| Q1 2024 | 9.95% | 1.05% | 4.26% | 0.00% | -0.51% |
| Q2 2024 | 10.16% | 0.80% | 4.35% | 0.00% | -0.03% |
| Q3 2024 | 10.23% | 0.93% | 4.75% | 0.00% | 0.00% |
| Q4 2024 | 9.75% | -0.30% | 4.65% | 0.00% | 0.00% |
| Q1 2025 | 10.46% | 1.21% | 4.96% | 0.00% | 0.00% |
| Q2 2025 | 10.72% | 1.03% | 4.96% | 0.00% | 0.52% |
| Q3 2025 | 10.77% | 1.13% | 4.90% | 0.00% | 0.30% |
| Q4 2025 | 10.27% | 0.10% | 5.09% | 0.00% | -0.11% |
| Q1 2026 | 10.41% | 1.32% | 4.78% | 0.00% | 0.00% |
| Q2 2026 | 10.44% | 1.22% | 4.93% | 0.00% | -0.03% |
MT. Victory State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock MT. Victory State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full MT. Victory State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9438) · FFIEC NIC profile (RSSD 274025)