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Victory Bank

$100M-$1B Specialty: Commercial TX FDIC cert 18677

Lubbock, TX

4 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +24.7% year over year ($250.0M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 1.02%.
  • Efficiency ratio 59.45% vs a 64.48% peer average.
  • Loan-to-deposit ratio 62.93% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Victory Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 11.5% in tier
  • + Non-Interest-Bearing Deposit Share 13.10% above tier average
  • + Net Interest Margin 0.41% above tier average
  • + Efficiency Ratio 5.03% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.6% in tier
  • - ROA 0.30% below tier average
Get updates when Victory Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $284.8M
+23.0% YoY +9.5% QoQ
-$101.8M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $157.3M
+47.7% YoY +15.4% QoQ
-$101.0M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $250.0M
+24.7% YoY +10.4% QoQ
-$76.7M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
45%
Return on Assets ? 1.02%
+132.7% YoY +13.3% QoQ
-0.30% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
35%
Net Interest Margin ? 4.39%
+3.1% YoY +0.7% QoQ
+0.41% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
74%
Efficiency Ratio ? 59.45%
-17.2% YoY -4.6% QoQ
-5.03% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 0.05%
+1.5% YoY -24.6% QoQ
-0.87% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 62.93%
+18.5% YoY +4.6% QoQ
-15.02% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
79%
Non-Interest-Bearing Deposit Share ? 35.13%
+32.3% YoY +20.5% QoQ
+13.10% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 9.8% in tier
Nonperforming Asset Ratio ? 0.03%
+22.0% YoY -20.5% QoQ
-0.64% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
82%
Tier 1 Capital Ratio ? 12.11%
-9.6% YoY -1.8% QoQ
-3.80% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.19%
-11.2% YoY +140.1% QoQ
-0.37% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
47%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 35.1%
+8.6pp YoY
+6.0pp QoQ
 +13.0pp 22.1% 29.2% 22.2% 90%
Brokered Deposits 8.0%
-2.0pp YoY
-0.8pp QoQ
 +0.1pp 7.9% 8.0% 8.5% 68%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 26.9%
-1.4pp YoY
-4.0pp QoQ
 +15.3pp 11.6% 14.8% 12.5% 95%
CRE n/a n/a 39.5% 48.4% 41.4% n/a
1-4 Family 8.0%
-2.8pp YoY
-2.2pp QoQ
 -24.6pp 32.6% 25.8% 31.3% 8%
Consumer 0.6%
-0.9pp YoY
-0.2pp QoQ
 -3.5pp 4.1% 4.7% 5.0% 20%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 12.1%
-1.3pp YoY
-0.2pp QoQ
 -0.1pp 12.2% 12.6% 12.6% 66%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 30
-6 (-16.7%) YoY
-3 (-9.1%) QoQ
 -29 58 186 482 26%
Assets per Employee ($) $9.5M
+47.6% YoY
+20.5% QoQ
 +$2.0M $7.5M $10.1M $8.8M 83%
Branch Count 4
-1 (-20.0%) YoY
-1 (-20.0%) QoQ
 -1 4 12 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 12%
Allowance Coverage 20.69x
+2.7% YoY
+30.4% QoQ
 -3.46x 24.15x 18.82x 20.23x 89%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 22%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 8.2%
+5.3pp YoY
+1.2pp QoQ
 -3.9pp 12.2% 13.2% 11.6% 27%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 55%
Net Income ($, YTD) $1.4M
+206.8% YoY
— QoQ
 -$1.2M $2.6M $15.9M $40.4M 38%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#77 of 659 • Top 11.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk
#34 of 1256 • Bottom 2.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

259
Non-Interest-Bearing Deposit Share
funding
Value: 35.13%
Peer Median: 22.03%
#259 of 2643 Top 9.8% in $100M-$1B
468
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#468 of 2643 Top 17.7% in $100M-$1B
549
Loan-to-Deposit Ratio
liquidity
Value: 62.93%
Peer Median: 77.95%
#549 of 2643 Top 20.7% in $100M-$1B
558
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#558 of 2633 Top 21.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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