# VICTORY STATE BANK
STATEN ISLAND, NY · FDIC certificate 34565 · asset band $300M-1B · latest filing 2020-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $403.3M | |
| Deposits | $362.5M | |
| Loans and leases | $186.2M | |
| Total equity | $33.7M | |
| Loans / deposits | 50.91% (p6 of band) | 82.55% |
| Liquid assets / assets | 49.48% (p92 of band) | |
| Uninsured deposits / deposits | 41.72% (p91 of band) | 23.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.16% (p28 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.43% (p14 of band) | 10.04% |
| Unrealized securities loss / equity | 10.33% (p93 of band) | 2.80% |
| AOCI / equity | 0.39% (p22 of band) | |
| ROA (annualized) | 0.62% (p20 of band) | 1.04% |
| Net interest margin | 3.14% (p23 of band) | 3.59% |
| Efficiency ratio | 70.44% (p68 of band) | |
| Noncurrent loans | 2.84% (p95 of band) | 0.55% |
| Net charge-offs (annualized) | 0.12% (p85 of band) | |
| Reserve coverage of noncurrent | 31.72% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 72.02% (p80 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

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

- 2026-08-04 [Victory State Bank founder dies at 90; his legacy lives across Staten Island - SILive.com](https://news.google.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?oc=5) · SILive.com
- 2019-12-23 [Victory State Bank acquired by Northfield - SILive.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQZGpMRk5pVlU3WjVFSXRSTmNmZ3Q0LVRlMk9QVHFJYkRmLTVFZ1l1ZTVaX2ZVb0hKeklId0dQMVRCb2Y4d3ItTEhtcGlyRlcxSXZnZzJBYV90UFFIQVpRbUhrUHRvT2tWZDI3bUNQdU5EZVRtQzR5UmxXUFJUTV9EUHJfcEZGRklPRUHSAZ4BQVVfeXFMT2pyeWZCSDhIVkxiV0s0OFJVZWN4Z3Fma2xtT0NpaVdEclV4UThWN0RYdHZaU1ZDZlJFU2w4eHV4NUhJOExiM24wdkZXWk90RldCaDhqMGtSZ3RFUk5ZaHVPLVA4MERCbldTUWRyeXVfVXVvNHNuMWdSRUlGMkc2Z04zalVzdkFmUlhtQWV1Zm5aTnVybkY3SUR3c3N1WlE?oc=5) · SILive.com
- 2016-09-15 [Iconic German Restaurant Closes to Become a Bank - dnainfo.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNUnBKVC1QVGZVczZ1a25RQWJJTEVpSXIzRWhLeDQ2QnV3TlNBQ3JiQzk2d0ZaSURFTkhsY0VGUHFYd1J3YjlpTFpaYmNqWnItUTFJUEJMX21Ya1JjYWJKQ21Xd19pRUxYZ3VjMHc2eDcwaGUtLTNXSzRweFE3Qm1kWjJpZGtoM29GMHVORmh0Q0g1b1lWRnJVS3llaHpKaDd1LXfSAacBQVVfeXFMTlB6VDQ3cGtHd19QTktEU3NVd0Vxa09VbGlZbDlfdkw1SWxaNTVkaXhteDllSEN5YmExeEtTalViMWJlRXpOekkxUnBsRFJkbnRpRDZxOVc3UmpmV3NvZEc5NS1zenVKWXVvRXphUXN0TTFNemNucjZSRmJRM2dHRkduNG9RaGt2SHhhNW9uZW82aGJmS2tiaC03YlRHUlJscGdTWmpYeVk?oc=5) · dnainfo.com
- 2012-12-27 [Staten Island's Victory State Bank marks 15th anniversary - SILive.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE80ZUgzcTd1a0dSd3kyVGQ0RU10SFNaQi1YVGNJR2F2d05tWEpkSDVBY1ZEQ0ZDMTVRTjFqRUh6UmRQdXVQd3VxQTNHVjN2WlpOenNUSUNHT0J0TDR1UmV0SEdWVU5DTEFSa0pTWHdFRGZHNndjOWs0ZjBPTTF5QQ?oc=5) · SILive.com
- 2026-08-09 [A life in images: A seat at the table for Joe LiBassi - SILive.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE9hUTJoUGNqWXNuNFZNVXpiNVZPN0o2clhEdUdmQklWQ1NuUlNvblEybWQ3TmpKVkFBNkFnVThHRnF1Q2NFZXZOZ0V1QnhRc2RidUVxN2syenZHZ0lwQnBCVVNOblhuemZVVjhlTg?oc=5) · SILive.com
- 2020-03-19 [Staten Island banks: Branch hours, ATM operations and more during coronavirus - SILive.com](https://news.google.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?oc=5) · SILive.com
- 2020-01-31 [Instagram shocker: He walks into bank, screams robbery -- then posts video - SILive.com](https://news.google.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?oc=5) · SILive.com
- 2020-02-26 [Another bank robbery reported on Forest Ave.; massive NYPD response - SILive.com](https://news.google.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?oc=5) · SILive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34565 (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/5.json (key "34565", 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