| Metric | Victory Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +23.0% | +4.4% | +18.6 pts |
| Deposit growth (YoY) | +24.7% | +4.0% | +20.8 pts |
| Loan growth (YoY) | +47.7% | +5.6% | +42.2 pts |
| ROA | 1.02% | 1.24% | -0.2 pts |
| ROE | 8.3% | 11.9% | -3.6 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $284.8M | $250.0M | $157.3M | $33.6M | $1.4M | 1.02% | 4.39% | 0.03% |
| Q1 2026 | $260.0M | $226.5M | $136.3M | $32.6M | $578K | 0.90% | 4.36% | 0.04% |
| Q4 2025 | $252.3M | $218.5M | $125.6M | $32.6M | $1.7M | 0.76% | 4.42% | 0.02% |
| Q3 2025 | $242.1M | $209.3M | $113.8M | $31.6M | $915K | 0.58% | 4.30% | 0.02% |
| Q2 2025 | $231.6M | $200.5M | $106.5M | $29.9M | $443K | 0.44% | 4.26% | 0.02% |
| Q1 2025 | $192.4M | $160.9M | $91.8M | $30.7M | $165K | 0.35% | 4.21% | 0.02% |
| Q4 2024 | $180.5M | $149.4M | $69.5M | $30.1M | $503K | 0.33% | 5.03% | 0.03% |
| Q3 2024 | $167.3M | $135.3M | $67.6M | $30.9M | $259K | 0.24% | 5.20% | 0.03% |
Loan mix (Q2 2026): real estate $107.1M · commercial $42.3M · consumer $1.0M · securities $89.7M
| Ratio | Victory Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.4% | 62.9% | 40th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Victory Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Victory Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Victory Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Victory Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Victory Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 3 counties across 1 state (-1 vs 2025) · $250.0M branch deposits. Biggest market: Lubbock, TX, ranked 18th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lubbock, TX | 1 | $180.4M | 1.28% | 18th |
| Runnels, TX | 1 | $51.7M | 12.37% | 4th |
| Taylor, TX | 1 | $17.9M | 0.30% | 21st |
Texas: 366th with 0.01% · Lubbock metro: 18th, 1.18% · Abilene metro: 24th, 0.28% ·
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 4 · 2026 3
Spends 1.7× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).