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
Unfavorable gap of $6.6M · efficiency ratio beats 48% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |