Victory Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 38.87 percentage points higher than in Q1 2026, at 198.50%. Victory Bank ranks 227th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 63.60% (Q2 2026). Victory Bank reported 63.60% on loan-to-deposit ratio for Q2 2026, 16.95 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $159.0M |
| Net loans and leases | $157.3M |
| Loans held for sale | $0 |
| Loans to total assets | 55.84% |
| Loan-to-deposit ratio | 63.60% |
| Net loans to equity capital | 4.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.57% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 26.61% |
| Consumer | 0.64% |
| Credit cards | 0.00% |
| Farm | 6.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.81% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 198.50% |
| Construction concentration (Tier 1 capital + allowance) | 90.29% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.40% |
| Interest income on loans | $2.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $34.9M | $89.7M | 26.77% | 24.11% | 8.21% |
| Q4 2023 | $47.1M | $91.3M | 23.40% | 35.32% | 5.49% |
| Q1 2024 | $56.1M | $107.5M | 26.52% | 33.24% | 4.31% |
| Q2 2024 | $60.3M | $118.3M | 25.29% | 35.72% | 3.67% |
| Q3 2024 | $68.3M | $135.3M | 30.32% | 33.15% | 3.05% |
| Q4 2024 | $70.3M | $149.4M | 29.80% | 34.62% | 2.85% |
| Q1 2025 | $92.8M | $160.9M | 37.01% | 30.97% | 1.93% |
| Q2 2025 | $107.6M | $200.5M | 36.37% | 28.05% | 1.48% |
| Q3 2025 | $115.0M | $209.3M | 29.40% | 30.87% | 1.36% |
| Q4 2025 | $126.9M | $218.5M | 29.48% | 30.35% | 1.07% |
| Q1 2026 | $137.8M | $226.5M | 28.98% | 30.60% | 0.83% |
| Q2 2026 | $159.0M | $250.0M | 33.57% | 26.61% | 0.64% |
Victory Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Victory Bank, freeSource: Call Report Schedule RC-C, 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)