Victory Bank
Lubbock, TX·RSSD 304762·FDIC 18677·bank:304762·CBLR opted in
- #221 of 352Total assets in Texas
- 4offices
- 30employees
- Top 2%Loan growth in the U.S.
- Top 4%Deposit growth in the U.S.
- Top 5%C&I loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Victory Bank
7 of 24 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Loans growing faster than peersStrength: Lending 2nd quarter+47.8%peers +5.3%+42.5 pp
Victory Bank's loans grew 47.8% over the past year to $159 million. The median among 1206 similar banks was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +47.8% | +5.3% | +42.5 pp |
| Loans | ||
| $159 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Victory Bank itself is left out of every peer median and percentile. How signals work
Noninterest-bearing deposit share rising while the peer median fallsStrength: Funding35.1%peers 21.6%+13.5 pp
Victory Bank's share of deposits that pay no interest rose 8.6 percentage points over the past year to 35.1%. Among 1212 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 35.1% | 21.6% | +13.5 pp |
| 12-month change | ||
| +8.6 pp | 0.0 pp | +8.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Victory Bank itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+23.0%peers +4.2%+18.7 pp
Victory Bank's total assets grew 23.0% over the past year to $285 million. The median among 1222 similar banks was +4.2%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +23.0% | +4.2% | +18.7 pp |
| Total assets | ||
| $285 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Victory Bank itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity63.6%+9.9 pp in 12 months
Victory Bank's loans rose to 63.6% of deposits, 9.9 percentage points higher than a year earlier, while cash fell to 7.2% of assets. The median change in the loan-to-deposit ratio among 1212 similar banks was +0.6 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 63.6% | +9.9 pp in 12 months |
| Cash / assets | |
| 7.2% | -6.2 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Victory Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency61.6%peers 63.3%-1.6 pp
Victory Bank's efficiency ratio fell 17.7 percentage points over the past year to 61.6%. Among 1216 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 61.6% | 63.3% | -1.6 pp |
| 12-month change | ||
| -17.7 pp | -2.1 pp | -15.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Victory Bank itself is left out of every peer median and percentile. How signals work
2 more observations
- Deposit costs falling faster than peersFunding
- Deposits growing faster than peersFunding
Key facts
- Victory Bank is a bank headquartered in Lubbock, Texas. It reported $285 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $250 million, up 24.7% from a year earlier, and loans totaled $159 million, up 47.8%.
- Its net interest margin was 4.48% and its annualized return on assets was 1.15% for the quarter.
- Its cost of all deposits was 1.86%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Victory Bank's own data, FORFI would look at: Which borrowers are behind the loan growth, and what else those relationships need.
Analysis workspaces
Sources and identifiers
- Institution
- Victory Bank · Bank
- Federal Reserve RSSD
- 304762
- FDIC certificate
- 18677
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Victory Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $781K | — | |
| $3.93M | — | |
| $1.1M | — | |
| $2.83M | — | |
| $339K | — | |
| $1.95M | — | |
| $200K | — | |
| $225K | — | |
| 1.15% | 1.15%ROAQ · Quarter | |
| 4.48% | 4.46%NIMYQ · Quarter | |
| 61.62% | 56.92%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.