Vici, OK · Cert 420 · Vici Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | -0.01% | -1.88% | -7.23% | -8.88% | -6.81% | -5.53% | -0.72% | -11.52% | -264 bps | |
| Return on Equity | -0.11% | -17.43% | -87.21% | -121.97% | -98.95% | -80.57% | -11.44% | -235% | -11,261 bps | |
| Net Interest Margin | 4.61% | 4.18% | 3.35% | 3.10% | 3.25% | 3.94% | 3.67% | 3.51% | +41 bps | |
| Efficiency Ratio | 100.22% | 107.32% | 143.18% | 227% | 205% | 170.01% | 114.51% | 121.78% | -10,557 bps | |
| Non-Interest Burden | 4.63% | 4.56% | 5.10% | 8.04% | 7.46% | 7.29% | 4.34% | 4.46% | -358 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.86% | 4.87% | 2.07% | -0.07% | -8.35% | -16.66% | -7.47% | -16.49% | -1,642 bps | |
| Loan Growth (YoY) | 0.46% | -12.40% | -10.57% | -20.71% | -21.81% | -18.78% | -16.18% | -22.15% | -143 bps | |
| Deposit Growth (YoY) | -3.79% | 9.21% | 5.61% | 6.84% | -1.56% | -14.60% | -5.78% | -13.47% | -2,031 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 10.76% | 8.36% | 7.51% | 5.22% | 5.02% | 3.12% | 2.39% | 1.68% | -354 bps | |
| Net Charge-Offs / Loans | 2.42% | 5.87% | 1.65% | 4.02% | 2.66% | 2.13% | 0.93% | 25.96% | +2,194 bps | |
| Allowance / Loans | 1.08% | 0.07% | 2.28% | 2.11% | 2.20% | 3.13% | 2.83% | 3.24% | +113 bps | |
| Allowance Coverage of NPLs | 0.1x | 0.0x | 0.3x | 0.4x | 0.4x | 1.0x | 1.2x | 1.9x | +1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.94% | 13.07% | 10.98% | 8.58% | 8.48% | 9.90% | 9.10% | 5.23% | -335 bps | |
| Total Risk-Based Capital | 15.94% | 13.07% | 10.98% | 8.58% | 8.48% | 9.90% | 9.10% | 5.23% | -335 bps | |
| Equity / Assets | 12.10% | 8.94% | 7.61% | 5.14% | 5.58% | 6.75% | 5.94% | 1.76% | -339 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.12% | 57.05% | 56.73% | 51.28% | 54.11% | 54.26% | 50.47% | 46.13% | -515 bps | |
| Liquid Assets / Assets | 0.30% | 0.28% | 0.29% | 0.30% | 0.32% | 1.20% | 1.10% | 3.11% | +281 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 131.93% | 111.50% | 112.45% | n/a | n/a | |