BlastPoint's Banking Scorecard
Victory Bank
Lubbock, TX
5 branches across TX
Victory Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 5.6% in tier
- + Net Interest Margin 0.43% above tier average
- + Efficiency Ratio 2.97% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.3% in tier
- - ROA 0.37% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$260.0M
+35.1% YoY
+3.0% QoQ
|
-$126.1M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
39% |
| Total Loans ? |
$136.3M
+48.4% YoY
+8.5% QoQ
|
-$119.4M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$226.5M
+40.7% YoY
+3.6% QoQ
|
-$101.5M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
40% |
| Return on Assets ? |
0.90%
+155.0% YoY
+18.3% QoQ
|
-0.37% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
4.36%
+3.6% YoY
-1.4% QoQ
|
+0.43% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
76% |
| Efficiency Ratio ? |
62.31%
-12.3% YoY
-5.1% QoQ
|
-2.97% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
53% |
| Delinquency Rate ? |
0.07%
+60.6% YoY
+114.3% QoQ
|
-0.82% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
60.18%
+5.5% YoY
+4.7% QoQ
|
-16.46% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
29.15%
-1.6% YoY
+3.7% QoQ
|
+7.13% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.04%
+76.5% YoY
+125.7% QoQ
|
-0.60% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
80% |
| Tier 1 Capital Ratio ? |
12.33%
-49.7% YoY
+1.3% QoQ
|
-3.50% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.08%
-30.7% YoY
-82.0% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
39% |
Get Full Access to Victory Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.