Lubbock, TX · Cert 18677 · Victory Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
38
Asset Quality
73
Profitability
41
Liquidity
92
Efficiency
48
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.
Lubbock, TX · Cert 18677 · Victory Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Lubbock, TX · 2026 SOD (annual) · 1.3% share · #16 of 31 inst. · $0.2B of $14.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.33% | 0.35% | 0.44% | 0.58% | 0.76% | 0.90% | 1.02% | +58 bps | |
| Return on Equity | 1.14% | 1.67% | 2.17% | 2.93% | 3.99% | 5.41% | 7.10% | 8.25% | +532 bps | |
| Net Interest Margin | 4.28% | 4.18% | 3.98% | 3.71% | 3.65% | 3.61% | 4.09% | 4.08% | +37 bps | |
| Efficiency Ratio | 78.61% | 78.16% | 71.08% | 71.76% | 69.70% | 65.67% | 62.31% | 59.45% | -1,231 bps | |
| Non-Interest Burden | 3.71% | 3.60% | 3.03% | 2.82% | 2.68% | 2.47% | 2.65% | 2.47% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 38.61% | 47.13% | 39.11% | 55.44% | 44.72% | 39.78% | 35.10% | 22.96% | -3,248 bps | |
| Loan Growth (YoY) | 95.67% | 49.25% | 65.53% | 78.46% | 68.20% | 80.54% | 48.45% | 47.81% | -3,065 bps | |
| Deposit Growth (YoY) | 50.92% | 63.56% | 49.75% | 69.53% | 54.70% | 46.30% | 40.72% | 24.70% | -4,483 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.07% | 0.04% | 0.05% | 0.05% | 0.03% | 0.07% | 0.05% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.04% | 0.03% | 0.01% | 0.01% | 0.02% | -0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 1.14% | 1.13% | 1.07% | 1.01% | 1.02% | 1.03% | 1.07% | 1.05% | +4 bps | |
| Allowance Coverage of NPLs | 15.6x | 16.9x | 25.4x | 20.1x | 22.2x | 32.6x | 15.9x | 20.7x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.02% | 16.61% | 15.45% | 13.40% | 12.70% | 12.18% | 12.33% | 12.11% | -129 bps | |
| Total Risk-Based Capital | 32.54% | 29.91% | 25.47% | 13.40% | 12.70% | 12.18% | 12.33% | 12.11% | -129 bps | |
| Equity / Assets | 18.47% | 16.66% | 15.93% | 12.93% | 13.07% | 12.93% | 12.52% | 11.80% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.51% | 47.07% | 57.66% | 53.66% | 54.91% | 58.09% | 60.83% | 63.60% | +994 bps | |
| Liquid Assets / Assets | 22.90% | 19.76% | 14.95% | 11.69% | 11.75% | 10.76% | 5.63% | 4.81% | -688 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 170.20% | 207% | 221% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.95% | 0.87% | 1.20% | 1.65% | Beats 31% | 146 / 211 | ||
| Return on Equity | 8.09% | 7.52% | 11.67% | 14.58% | Beats 28% | 151 / 211 | ||
| Net Interest Margin | 4.08% | 3.28% | 3.82% | 4.31% | Beats 63% | 78 / 211 | ||
| Efficiency Ratio | 64.53% | 53.01% | 64.18% | 73.65% | Beats 48% | 111 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.01% | 0.30% | 1.10% | Beats 67% | 69 / 208 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 78% | 50 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.11% | 11.72% | 14.45% | 19.57% | Beats 29% | 150 / 211 | ||
| Total Risk-Based Capital Ratio | 12.11% | 11.94% | 14.78% | 20.30% | Beats 28% | 151 / 211 | ||
| Equity / Assets | 11.80% | 9.41% | 11.06% | 12.94% | Beats 58% | 88 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.60% | 45.39% | 66.56% | 82.03% | 44th pctl | 116 / 208 | ||
| Loans / Assets | 55.84% | 39.13% | 56.90% | 70.46% | 46th pctl | 114 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||