# FIRST VICTORIA NATIONAL BANK
VICTORIA, TX · FDIC certificate 5570 · asset band $1-10B · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $2.47B | |
| Deposits | $2.20B | |
| Loans and leases | $1.65B | |
| Total equity | $258.0M | |
| Loans / deposits | 73.91% (p36 of band) | 80.17% |
| Liquid assets / assets | 27.94% (p53 of band) | |
| Uninsured deposits / deposits | 25.29% (p59 of band) | 22.18% |
| Brokered deposits | 0.13% | |
| Wholesale funding | 0.27% (p9 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.86% (p29 of band) | 9.79% |
| Unrealized securities loss / equity | -0.54% (p49 of band) | -0.48% |
| AOCI / equity | -2.16% (p53 of band) | |
| ROA (annualized) | 1.15% (p68 of band) | 0.93% |
| Net interest margin | 3.92% (p74 of band) | 3.53% |
| Efficiency ratio | 60.26% (p30 of band) | |
| Noncurrent loans | 0.75% (p28 of band) | 1.32% |
| Net charge-offs (annualized) | 0.18% (p63 of band) | |
| Reserve coverage of noncurrent | 198.83% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 68.01% (p88 of band) | |
| Auto loans | $8.7M (0.53% of loans; DQ 0.27%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 19.2% | |
| Employees | 569 | |

## 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 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |

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

- 2026-03-31 [David Gaddis Obituary - Lakeway, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxQMmlYWlVUc2FtOGtqemsySVB0MHNQSWhGb2h2OXdiTFNjZWhJbkNLREFwendQWHVzcGhMSzM2ZVM2alRXdDBiZS1Ud054dlhxbnd3LTFpdHh6ZjVrWFdfQjdYU0xtbHlYaEJiUHVDMXdBbHUyb3dveGFSbERwY3lpZA?oc=5) · Dignity Memorial
- 2013-07-02 [Prosperity To Acquire First Victoria National Bank - Houston Public Media](https://news.google.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?oc=5) · Houston Public Media
- 2019-04-16 [First Victoria National Bank Celebrates Groundbreaking of New Katy Location - Katy Magazine](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQdF9xX3RINUNGZHh1M25xaFQ1UEdnVkM0ZmdIamlfR2pjWVFLYzU4cTYwSDBRRGVtV3hpNnRTeml2bjdKVGlZMXpINVJ1allqaTJZMzVTZm83NGxYa3pCRVRmQjYzOEJtbkY3aXdIc2RwTzBtLWlFS1BwdWNVNHhMdUlDZXFNMWVtSTlGSzJnd0NmVGhGdUs5UDNRelFNRFB4UlJtTXBNa0c?oc=5) · Katy Magazine
- 2013-07-01 [Prosperity Bancshares stays in a buying mood - Houston Chronicle](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQYlNVUm9MektWM1MyQkxoQXhCb2l4eGRwdHFzVEpZS1VvS0pXNnd6MUtJZUdMM2pvWEs2dXB4YWVwV1pkd2FmMVBUU3UwdllXVXNnUXV5Z2Q4RE9WdGpOZWZ3ZFVIMkdyb0NsYTlfUTNZbEQyLVRNVlRISjc4VUtMaXg2YlEwUVM2TEVSZDViSEtSeXN1dUE3UTZPZG1TcDVVczFKc1A4dlBxZw?oc=5) · Houston Chronicle
- 2021-05-01 [Elvin Koehn Obituary - Victoria, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxQbGtIMjRJRkMyTWFET3lJc0oxRGNhZHc3SmFqY1phN18wN2NJOTdOZm5yazhreDlsZkRUcEt0Yk0tRXlpV2s2MERfOTJRQlZhRkJzRktJM2ZvRDhHd19ITlBJd3dEbkxXTUU1cDBUUm1fYUdZaDRaN2hTcHRad19ZTQ?oc=5) · Dignity Memorial
- 2021-07-02 [Mavis O'Sullivan Obituary - Victoria, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxOa1VLZ0xJcXVCWUlPeTlhSjFMWFZMSlpOUEgyWXlyaVpfcG95aFEzckVpcmV3OWFLSEdrYms2TWpycFR5dXlDamFxbU9QRjVnXzROc2ttTTdtUVlndDYxajNCUFdqMnJBcU4teTJYbThSRkhmNjI4VloyUFdRZXhIUWRJamNFZw?oc=5) · Dignity Memorial
- 2025-05-07 [Cyrus Rogers Obituary - Port Lavaca, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxOSFJTUENiczNZS3VBMUh0YXJaUUlUUVh3WXV5eXpCU2w5M2E0djkzOEpkbEdyODZiUXZ6bG5JNmFncGkzcFdZNnI4MjVoZ25RZWE5a2p2SkVMT2Y1MklZTFpBdHdJcjVBbG04Vlk3dUJvOEhqYldJTzFjM2VzYXR4Y0NuVXJjUQ?oc=5) · Dignity Memorial
- 2023-05-19 [Billy Ruddock Obituary - Victoria, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPQmhJdWpTM2liSmRMRGczX0ZuMmJzdmRMcGtPYXVyM0RYM0lYbE9laW5XRkM3WHhZbUJBbHdBS1dTc1BwQVp4SWxMR0VBbHE2cFEzMTdMUU5ROHJoeHJUS1Rzc0tGeUg3V1JMNk9qN2lRSDBOSGlRcE9zb1JqWGZqb1JuNA?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5570 (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/2.json (key "5570", 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