Victory Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds sold and reverse repos climbed 113.6% in Q2 2026, from $2.0M to $4.2M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Victory Bank is 227th of 346 on loan-to-deposit ratio, 63.60% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Victory Bank sits 16.95 points lower, at 63.60% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $114.5M |
| Fed funds sold and reverse repos | $4.2M |
| Fed funds sold and reverse repos to assets | 1.49% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.60% |
| Net loans and leases to deposits | 62.93% |
| Loans and leases to core deposits | 66.89% |
| Core deposits to total deposits | 87.08% |
| Brokered deposits to total deposits | 8.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 38.96% | 98.33% | $0 | $0 |
| Q4 2023 | 51.58% | 97.81% | $0 | $0 |
| Q1 2024 | 52.17% | 93.88% | $0 | $0 |
| Q2 2024 | 50.97% | 92.42% | $0 | $0 |
| Q3 2024 | 50.51% | 91.65% | $0 | $0 |
| Q4 2024 | 47.07% | 92.41% | $0 | $0 |
| Q1 2025 | 57.66% | 89.06% | $0 | $0 |
| Q2 2025 | 53.66% | 83.20% | $0 | $0 |
| Q3 2025 | 54.91% | 84.66% | $0 | $0 |
| Q4 2025 | 58.09% | 83.91% | $0 | $0 |
| Q1 2026 | 60.83% | 84.59% | $0 | $0 |
| Q2 2026 | 63.60% | 87.08% | $0 | $0 |
Victory Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Victory Bank, freeSource: Call Report Schedules RC and RC-M, 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 Victory Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18677) · FFIEC NIC profile (RSSD 304762)