| 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 |
|---|---|---|---|---|
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% |
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