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 | |