Victory Bank
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Data as of · sourced from FFIEC call reports. How we update
Victory Bank is an FDIC-insured commercial bank headquartered in Lubbock, TX, established in 1917 (FDIC certificate 18677), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $284.8M, up 23.0% from Q2 2025, the 220th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.11% 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
- 18677
- Headquarters
- Lubbock, TX
- Established
- 1917
- Total assets, Q2 2026
- $284.8M
- Assets vs Q2 2025
- +23.0%
- Tier 1 leverage ratio, Q2 2026
- 12.11%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111317637
- Latest call report
- Q2 2026, FFIEC 051 · Victory Bank call report
- Holding company
- VICTORY FINANCIAL CORPORATION
- Asset rank in state
- 220th of 346 in Texas
Victory Bank is growing quickly. Based in Lubbock, Texas, it had $285 million in assets at June 30, 2026, up 23.0% from a year earlier. It grew its loan book 47.8% over the year, 8.7 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.2% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $781,000, 181% above the same quarter a year earlier. Over the same year, loans grew 47.8% and deposits grew 24.7%.
As of June 30, 2026, Victory Bank reported a return on assets of 1.17%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.24%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Victory Bank is the 220th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets rose 9.5% to $284.8M, loans rose 15.4% and deposits rose 10.4%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 26.6% of total loans, followed by non-owner-occupied commercial real estate loans at 23.0%. The FDIC Summary of Deposits lists 3 offices for it, in Lubbock, TX, Winters, TX and Buffalo Gap, TX; its Lubbock office books 72% of its branch deposits. By the capital ratios in its Q2 2026 call report, Victory Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4401 Marsha Sharp Freeway, Lubbock, TX 79407
- County
- Lubbock
- Metro Area
- Lubbock, TX
- 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 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1917
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $250.0M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $267.3M
- Average total loans
- $144.8M
- Average interest-bearing deposits
- $156.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 3, 1963
- FDIC Cert
- 18677
- Fed RSSD
- 304762
- SEC CIK
- 1964692 → filed by VICTORY FINANCIAL CORPORATION
- Website
- victory.bank →
- Parent Holding Company
- VICTORY FINANCIAL CORPORATION (RSSD 5786484)
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, Victory 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, Victory Bank's total assets ran between $120.7M (Q3 2023) and $284.8M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$284.8M total assets against $231.6M; $251.1M total liabilities against $201.7M.
$157.3M net loans and leases against $106.5M; $250.0M total deposits against $200.5M.
$89.7M securities against $76.3M; $24.8M cash and balances due against $36.0M.
$3.9M total interest income against $3.2M; $1.1M total interest expense against $1.1M.
$2.8M net interest income against $2.2M.
$339K total noninterest income against $279K; $2.0M total noninterest expense against $1.9M.
$225K provision for credit losses against $152K.
$781K net income against $278K.
1.17% return on assets against 0.51%; 4.58% net interest margin against 4.33%.
12.11% tier 1 leverage ratio against 13.40%.
Inside the full Victory Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeVictory Bank rankings
Its closest position to the top of a national ranking is 1,356 of 3,606, for efficiency ratio; its furthest is 3,127 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.36% (Q1 2025) to 1.21% (Q4 2025) and its net interest margin ran from 4.25% (Q1 2025) to 5.24% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.11% | 1.17% | 0.05% | 0.24% | 4.58% |
| Q1 2026 | 12.33% | 0.91% | 0.07% | 0.29% | 4.40% |
| Q4 2025 | 12.18% | 1.21% | 0.03% | 0.13% | 4.61% |
| Q3 2025 | 12.70% | 0.81% | 0.05% | 0.17% | 4.40% |
| Q2 2025 | 13.40% | 0.51% | 0.05% | 0.19% | 4.33% |
| Q1 2025 | 15.45% | 0.36% | 0.04% | 0.13% | 4.25% |
| Q4 2024 | 16.61% | 0.57% | 0.07% | 0.17% | 4.70% |
| Q3 2024 | 17.02% | 0.58% | 0.07% | 0.17% | 5.24% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → 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 |
|---|---|---|---|
| Victory Bank (main office) | Lubbock , TX | 79407 | $180.4M |
| Winters Branch | Winters , TX | 79567 | $51.7M |
| Buffalo Gap Branch | Buffalo Gap , TX | 79508 | $17.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 268 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $99K approved, $99K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Victory Bank
What are Victory Bank's total assets?
As of the Q2 2026 filing, Victory Bank reported total assets of $284.8 million in its FFIEC call report.
Where is Victory Bank headquartered?
It is headquartered in Lubbock, TX, United States.
When was Victory Bank founded?
It was established in 1917, per the FDIC institution directory.
Is Victory Bank FDIC-insured?
Yes. It 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.
How many branches does Victory Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Victory Bank's Texas Ratio?
Its Texas Ratio is 0.24% 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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