Victory 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.
Loan-to-deposit ratio climbed 2.77 percentage points in Q2 2026, from 60.83% to 63.60%. It was the largest change from Q1 2026 among the key lines here. Victory Bank ranks 228th of 345 Texas banks on return on assets, in the lower half at 1.17% (Q2 2026). Victory Bank reported 1.17% on return on assets for Q2 2026, 0.09 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.11% |
| Equity capital to assets | 11.80% |
| Tangible equity to tangible assets | 11.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.24% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 2069.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 9.44% |
| Net interest margin | 4.58% |
| Efficiency ratio | 55.93% |
| Yield on earning assets | 6.33% |
| Cost of funds | 1.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.60% |
| Core deposits to total deposits | 87.08% |
| Brokered deposits to total deposits | 8.00% |
| Deposits to assets | 87.80% |
| Securities to assets | 31.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 51.38% | 51.38% | 52.20% | 23.74% | 0.94% |
| Q4 2023 | 42.70% | 42.70% | 43.68% | 22.14% | -1.13% |
| Q1 2024 | 35.11% | 35.11% | 36.04% | 21.15% | -0.26% |
| Q2 2024 | 34.37% | 34.37% | 35.33% | 19.50% | 0.29% |
| Q3 2024 | 31.56% | 31.56% | 32.54% | 17.02% | 0.58% |
| Q4 2024 | 28.98% | 28.98% | 29.91% | 16.61% | 0.57% |
| Q1 2025 | 24.52% | 24.52% | 25.47% | 15.45% | 0.36% |
| Q2 2025 | — | — | — | 13.40% | 0.51% |
| Q3 2025 | — | — | — | 12.70% | 0.81% |
| Q4 2025 | — | — | — | 12.18% | 1.21% |
| Q1 2026 | — | — | — | 12.33% | 0.91% |
| Q2 2026 | — | — | — | 12.11% | 1.17% |
Victory Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Victory 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 Victory Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18677) · FFIEC NIC profile (RSSD 304762)