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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | 0.80% | 1.23% | 0.90% | 1.15% | +62 bps | |
| Return on Equity | 3.67% | 6.13% | 9.49% | 7.10% | 9.44% | +577 bps | |
| Net Interest Margin | 4.03% | 4.07% | 4.29% | 4.09% | 4.26% | +23 bps | |
| Efficiency Ratio | 72.32% | 66.15% | 56.37% | 62.31% | 56.92% | -1,541 bps | |
| Non-Interest Burden | 3.05% | 2.81% | 2.39% | 2.65% | 2.41% | -64 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 / Loans | 0.05% | 0.05% | 0.03% | 0.07% | 0.05% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 1.02% | 1.03% | 1.07% | 1.05% | +4 bps | |
| Allowance Coverage of NPLs | 20.1x | 22.2x | 32.6x | 15.9x | 20.7x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.40% | 12.70% | 12.18% | 12.33% | 12.11% | -129 bps | |
| Total Risk-Based Capital | 13.40% | 12.70% | 12.18% | 12.33% | 12.11% | -129 bps | |
| Equity / Assets | 12.93% | 13.07% | 12.93% | 12.52% | 11.80% | -112 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.66% | 54.91% | 58.09% | 60.83% | 63.60% | +994 bps | |
| Liquid Assets / Assets | 11.69% | 11.75% | 10.76% | 5.63% | 4.81% | -688 bps | |
| CRE / Total Capital | n/a | 170.20% | 207% | 221% | n/a | n/a | |