# VICTORY BANK
LUBBOCK, TX · FDIC certificate 18677 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $284.8M | |
| Deposits | $250.0M | |
| Loans and leases | $159.0M | |
| Total equity | $33.6M | |
| Loans / deposits | 62.93% (p34 of band) | 73.59% |
| Liquid assets / assets | 40.20% (p63 of band) | |
| Uninsured deposits / deposits | 46.96% (p95 of band) | 19.81% |
| Brokered deposits | 7.02% | |
| Wholesale funding | 7.02% (p79 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.11% (p54 of band) | 11.76% |
| Unrealized securities loss / equity | -1.70% (p71 of band) | -6.57% |
| AOCI / equity | -1.32% (p21 of band) | |
| ROA (annualized) | 1.02% (p41 of band) | 1.17% |
| Net interest margin | 4.39% (p72 of band) | 3.93% |
| Efficiency ratio | 59.45% (p34 of band) | |
| Noncurrent loans | 0.05% (p30 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 2069.14% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 90.80% (p92 of band) | |
| Auto loans | $532,000 (0.33% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 24.7% | |
| Employees | 30 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-12 | 1 |  | deposits shrinking, assets shrinking |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 3 | deposits shrinking, assets shrinking |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 4 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-09 | 2 | uninsured deposits leaving |  |
| 2020-12 | 2 | capital falling | uninsured deposits leaving |
| 2021-03 | 0 |  | charge-offs p90, capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 2 | charge-offs p90 |  |
| 2022-03 | 0 |  | capital falling, charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 1 | losing money |  |
| 2023-06 | 0 |  | losing money |
| 2023-09 | 1 | capital falling |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | losing money |  |
| 2024-06 | 1 |  | losing money |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-16 [Victory Bank Enters Wealth Management Through Strategic Investment in McDonald Capital Management - KCBD](https://news.google.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?oc=5) · KCBD
- 2026-05-14 [Victory Bank acquires stake in Lubbock investment firm - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOdTFzUFFULTRnRENETzVDU084c2ZLSW9paEpRZDlGaXRFM1JuRjlncDNVQjZNTk9Ocl9RZ1VQd0k0MTl2NjZtTk9iUXFTWjZKazlkN0cxYnpfaDd3QTRwNEhaRXZnUEpKSk0xS1hlbWl2cTlfQWFDcmlrUVJabWpOSU50SFNBRE9mVWZyRVF6dWU5ekw1ZkpUZ1BxUEtVUF9UQnlyTVRRODBDUlVTSTd3ZHdjdlNlc2hES1gzc1kzV256TmlxY29tZWgycThqam1vSEFmZV94QzdUVFRDNlBsc2Z3UnZIUQ?oc=5) · Lubbock Avalanche-Journal
- 2024-08-12 [Victory Bank hosts grand opening of new loan production office - myfoxzone.com](https://news.google.com/rss/articles/CBMi7AFBVV95cUxOYTExWU9sTUs3dGNxb0NhY3hnbjVWeGhpZXVQdWt5bV85OWk2alhSSGdkV0VKMEZBcDNpSkVqZ284M3c2a1FPRUlVWTVoSV8wV2oweHU2ZFFYcFRxRVZOZ1UwcHVZajVUVnEzcWx5ZWEzdm5oM3RhaW55Tkl1MzNYQ0FKRWNKbnl3ZUttaExfOWctNHF5RVZRbXhFakVtTEhMc3JHcS1CUWE3QmhiT1RrRjdRYTdDU1JKa21kOHJLNTV5aEZJTE9ySXU2NHRjVGlRMHU4N1pScEJndlNMSHRzcjJQNnM1X0hVT3o4OA?oc=5) · myfoxzone.com
- 2025-10-30 [Authenticity won't be replaced by automation at community banks | McDowell - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMihwJBVV95cUxOS0lsTHdHaENyVVdXWi1URUN1ZFQ2ekFLeF9hSnBiTzJOQlVKLVZTNkxkTF9FLWY4MXpBUVhmR183b2lkdWttOUI3S2JIcWt6UzhDd1lzOHhDdW1UdEdmemRybjgzWk9GdWpUM0NXYlA4c01ISWJuY1FWWGhmcXhNUldsVl9QTWhuNVc0UXZ6TVhibWFqNlJVV09VTjhIemoxZWk4Sm5EU0pEVlFiald5QVIzNlRILTctd3VKaFN1dTZkWjhWaTNkYVR2LUVPZ1AwNkZQRDZ2cmgyZUphTlRTZE9MWThXWWtTVVdrY293TXB1bVpZWUFGNC1JaVltMjZ0VHloRTJpRQ?oc=5) · Lubbock Avalanche-Journal
- 2023-10-16 [Victory bank to launch in Lubbock Oct. 16 - KCBD](https://news.google.com/rss/articles/CBMidkFVX3lxTFB5UzBQcGl3VWszLWYyTFRDc3Z2bG5EZ1RNeFlRZUlDVGZkLWdrcnZWMkc1OW1ydzJSTk12QnM2N0xscGdtS2xwMHJQVUNDbGlySFdmMXlmb0xqdktvNV9CWUxOT01UcWtNOEFtb2VkOHBvMmRlR2fSAYoBQVVfeXFMTk92TmE1OFY2bm45OWpzRVBSeEExRmRYaEZqM3ZRVU1za3JFWkdDQThnOXMydkR0MFAzX1piTjB1dmwwR2s4bU85N19uaENid2tjREMtSmZEUXFZclcxQ1dUTktqb2MwVlZlZVN6WWJaVGdHUkJWQUxRWlhwenpGMmx1MjlWRV9nOERn?oc=5) · KCBD
- 2026-07-10 [Deals & Moves: $608M Commonwealth Team Chooses Cetera - Wealth Management](https://news.google.com/rss/articles/CBMilgFBVV95cUxOZnlXNmNqVnowZ2xMZTFyeFU5ODFCQUJWSWE5TFduSDhTYWtuRmhpMWpkNlJqLVRkSDdpaXY4bTQ3cmNSSnYzWGxUVjRXSkZueG9BS3Y4akozaS02cWh5RHlpdXFxVHZTdlo3angydFN2djVURUNFN2M1SDQtZDVxZUxHNE9qX0JVR21UOXdydmt6d183UGc?oc=5) · Wealth Management
- 2025-09-24 [Lubbock LLC—”Lubbock on the Rise: Housing, Growth & the Economy” Happy Hour - Texas Public Policy Foundation](https://news.google.com/rss/articles/CBMipwFBVV95cUxQdDdqUzViWmNQQlpGRmdMX285b29ibmtBaEFhNm9UbzhBOV9WT2dFUjhKTDcwOGJaLXozM1ZUWDdjckVVT25reGhhaFBQcmw3NUpId0RhWEJhUHBWem03SXFqb1pqUnFibzdzYnZCcFF2UDFMSDF0cUc5cVpCN1ZnS29wanYwNnoyZmhJWVZmVHduS0syOWRzZDhLdXVfZUVyYlB4QnlHRQ?oc=5) · Texas Public Policy Foundation
- 2022-04-06 [Appointments: New Ops Chief for Ponce Bank; Esch Takes Helm at First Financial - Banking Exchange](https://news.google.com/rss/articles/CBMixAFBVV95cUxONW5VaG53MGdWNEYwLXN4RkhaVm1BdFJWcE85RjRDSTJueWZqS3dsT0JyRWw1V1UtNFVvUWwxVnhoc09PWHJZRENuWENFRXBXZWVhc3ZrSUlqclBjMENTVFJNcW1oMjMwVDltUDVVU0tWYlJNczJJY3Z0TGYxWnAwclV2VGZBVEM2TjAyazdZMTBKc3RNa3FjRk1wdHZWcHlkbkJWaGwxVXVITDlqa3BJby1rUWtaNnFERVRlTU92blREMnZO?oc=5) · Banking Exchange

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18677 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "18677", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide