Victory Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.18 percentage points to 4.58%. Within Texas, Victory Bank is 101st of 345 on net interest margin, 4.58% as of Q2 2026. Victory Bank reported 4.58% on net interest margin for Q2 2026, 0.64 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.33% |
| Yield on loans | 7.40% |
| Yield on securities | 5.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.89% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.58% |
| Yield to cost spread | 3.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.01% | 0.60% | 5.52% | 7.66% | 4.93% |
| Q4 2023 | 5.88% | 0.61% | 5.14% | 8.41% | 3.65% |
| Q1 2024 | 6.45% | 0.86% | 5.41% | 8.16% | 4.56% |
| Q2 2024 | 6.60% | 1.63% | 5.19% | 8.35% | 5.14% |
| Q3 2024 | 6.76% | 1.81% | 5.24% | 8.37% | 5.73% |
| Q4 2024 | 6.49% | 1.99% | 4.70% | 8.24% | 5.42% |
| Q1 2025 | 6.13% | 2.11% | 4.25% | 7.77% | 5.27% |
| Q2 2025 | 6.47% | 2.37% | 4.33% | 7.82% | 5.67% |
| Q3 2025 | 6.54% | 2.33% | 4.40% | 7.86% | 5.44% |
| Q4 2025 | 6.48% | 2.10% | 4.61% | 8.18% | 5.15% |
| Q1 2026 | 6.20% | 1.98% | 4.40% | 7.33% | 5.18% |
| Q2 2026 | 6.33% | 1.89% | 4.58% | 7.40% | 5.13% |
Victory Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Victory Bank, freeSource: Call Report Schedules RI and RC-K, 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)