Victory Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Victory Bank of Lubbock, TX against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.17% | 1.25% | -0.08% | 42nd below |
| ROAE | 9.44% | 12.22% | -2.78% | 31st below |
| Net Interest Margin | 4.58% | 3.95% | +0.63% | 82nd top |
| Efficiency Ratio | 55.93% | 63.71% | -7.78% | 66th above |
| PPNR / Avg Assets | 1.82% | — | — | 63rd above |
| Yield on Earning Assets | 6.33% | 5.67% | +0.66% | 82nd top |
| Cost of Funds | 1.89% | 1.87% | +0.02% | 44th below |
| Net Interest Spread | 3.60% | — | — | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.88% | -0.83% | 79th top |
| NPA / Total Assets | 0.03% | — | — | 82nd top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.05% | — | — | 32nd below |
| ACL / NPLs (Coverage) | 2069.14% | — | — | — |
| Texas Ratio | 0.24% | 5.96% | -5.72% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.11% | 11.75% | +0.36% | 66th above |
| Equity / Assets | 11.80% | 10.98% | +0.82% | 69th above |
| TCE / Tangible Assets | 11.20% | — | — | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.60% | 80.44% | -16.84% | 80th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.08% | 86.95% | +0.13% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 22.96% | — | — | 96th top |
| Loan Growth (Y/Y) | 47.81% | — | — | 99th top |
| Deposit Growth (Y/Y) | 24.70% | — | — | 96th top |
See Victory Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Victory Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Victory Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Victory Bank peer analysis.