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Victory Bank

Lubbock, TX · Cert 18677 · Victory Financial Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

38

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

48

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Victory Bank

Lubbock, TX · Cert 18677 · Victory Financial Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$284.8MAssets
$159.0MLoans
$250.0MDeposits
$33.6MEquity
Loan mix
67%RE $88.4M32%C&I $42.2M1%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $162.2M35%Noninterest $87.8MQ2 2025Q2 2026

NIM

5.72%Q2 ’245.42%Q2 ’255.68%Q2 ’26-22%+10%

Non-interest income vs. expense

4.69%Q2 ’243.28%Q2 ’252.88%Q2 ’26-35%-12%

Market Position · Lubbock, TX · 2026 SOD (annual) · 1.3% share · #16 of 31 inst. · $0.2B of $14.3B

1.4% Lubbock
13.4% Runnels
0.4% Taylor

Executive Summary

  • Earnings: ROA of 1.02%, up 58 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.05% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.11%, down 129 bps from a year ago.
  • Funding: loans stand at 63.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.02%+58 bps YoY

Net Interest Margin (YTD, annualized)

4.08%+37 bps YoY

Efficiency Ratio (YTD, annualized)

59.45%-1,231 bps YoY

Tier 1 Leverage Ratio

12.11%-129 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.58%0.76%0.90%1.02%+58 bps
Return on Equity2.93%3.99%5.41%7.10%8.25%+532 bps
Net Interest Margin3.71%3.65%3.61%4.09%4.08%+37 bps
Efficiency Ratio71.76%69.70%65.67%62.31%59.45%-1,231 bps
Non-Interest Burden2.82%2.68%2.47%2.65%2.47%-35 bps
Growth
Asset Growth (YoY)55.44%44.72%39.78%35.10%22.96%-3,248 bps
Loan Growth (YoY)78.46%68.20%80.54%48.45%47.81%-3,065 bps
Deposit Growth (YoY)69.53%54.70%46.30%40.72%24.70%-4,483 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.05%0.03%0.07%0.05%0 bps
Net Charge-Offs / Loans0.01%0.01%0.02%-0.01%0.00%-2 bps
Allowance / Loans1.01%1.02%1.03%1.07%1.05%+4 bps
Allowance Coverage of NPLs20.1x22.2x32.6x15.9x20.7x+0.5x
Capital
Tier 1 Leverage Ratio13.40%12.70%12.18%12.33%12.11%-129 bps
Total Risk-Based Capital13.40%12.70%12.18%12.33%12.11%-129 bps
Equity / Assets12.93%13.07%12.93%12.52%11.80%-112 bps
Liquidity & Funding
Loans / Deposits53.66%54.91%58.09%60.83%63.60%+994 bps
Liquid Assets / Assets11.69%11.75%10.76%5.63%4.81%-688 bps
CRE / Total Capitaln/a170.20%207%221%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Victory Bank

Lubbock, TX · Cert 18677 · Peer group: banks under $1B in assets in TX (n=208-211) · Victory Financial Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$284.8MAssets
$159.0MLoans
$250.0MDeposits
$33.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 78% of banks under $1B in assets in TX (rank 50 of 208).
  • Widest gap: total risk-based capital ratio trails 72% of banks under $1B in assets in TX (rank 151 of 211).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.95%

Rank 146 of 211

Net Interest Margin

4.08%

Rank 78 of 211

Efficiency Ratio

64.53%

Rank 111 of 211

Equity / Assets

11.80%

Rank 88 of 211

Non-interest income vs. expense

$1.1M$7.7MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 48% of banks under $1B in assets in TX
Bank 64.53%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.87%1.20%1.65%Beats 31%146 / 211
Return on Equity8.09%7.52%11.67%14.58%Beats 28%151 / 211
Net Interest Margin4.08%3.28%3.82%4.31%Beats 63%78 / 211
Efficiency Ratio64.53%53.01%64.18%73.65%Beats 48%111 / 211
Asset Quality
Nonperforming Loans / Loans0.05%0.01%0.30%1.10%Beats 67%69 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 78%50 / 208
Capital
Tier 1 Capital Ratio12.11%11.72%14.45%19.57%Beats 29%150 / 211
Total Risk-Based Capital Ratio12.11%11.94%14.78%20.30%Beats 28%151 / 211
Equity / Assets11.80%9.41%11.06%12.94%Beats 58%88 / 211
Liquidity & Funding
Loans / Deposits63.60%45.39%66.56%82.03%44th pctl116 / 208
Loans / Assets55.84%39.13%56.90%70.46%46th pctl114 / 211
Brokered Deposits / Depositsn/aNot reported for this institution