# VICTORY COMMUNITY BANK
FORT MITCHELL, KY · FDIC certificate 57277 · asset band <$300M · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $188.1M | |
| Deposits | $146.3M | |
| Loans and leases | $149.4M | |
| Total equity | $25.4M | |
| Loans / deposits | 101.22% (p93 of band) | 75.62% |
| Liquid assets / assets | 17.33% (p15 of band) | |
| Uninsured deposits / deposits | 21.23% (p69 of band) | 16.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.51% (p78 of band) | |
| FHLB advances / assets | 7.51% | |
| Tier 1 leverage | 13.86% (p75 of band) | 11.43% |
| Unrealized securities loss / equity | -0.09% (p25 of band) | 0.53% |
| AOCI / equity | -0.13% (p31 of band) | |
| ROA (annualized) | -0.23% (p6 of band) | 0.92% |
| Net interest margin | 2.86% (p13 of band) | 3.67% |
| Efficiency ratio | 105.15% (p95 of band) | |
| Noncurrent loans | 1.35% (p73 of band) | 0.57% |
| Net charge-offs (annualized) | -0.01% (p21 of band) | |
| Reserve coverage of noncurrent | 65.99% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 37.19% (p72 of band) | |
| Auto loans | $451,000 (0.30% of loans; DQ 2.44%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.4% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 2 | reserve under noncurrent |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | reserve under noncurrent |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | reserve under noncurrent |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2016-03 | 3 | charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2016-06 | 2 |  | charge-offs p90 |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | wholesale funding >15% |  |
| 2017-03 | 3 | charge-offs p90 | wholesale funding >15% |
| 2017-06 | 2 |  | charge-offs p90 |
| 2017-09 | 3 | uninsured deposits leaving |  |
| 2017-12 | 3 | wholesale funding >15% | uninsured deposits leaving |
| 2018-03 | 2 |  | wholesale funding >15% |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 4 | liquid assets <10%, capital falling |  |
| 2019-09 | 2 |  | reserve under noncurrent, liquid assets <10% |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 4 | losing money, expense ratio p90, reserve under noncurrent |  |

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

- 2019-12-02 [Heartland Bank to buy Cincy’s Victory Community Bank - Smart Business Dealmakers](https://news.google.com/rss/articles/CBMiogFBVV95cUxQM2F3SUJyVDdwSnhhdF9VaXVyMDQ1V0JTN2lMa1NwOS1KeUFIVDRxZW1WOHZGLVpXNU1nYjhDbEtpTnRaZURtdjBsa05LMjJmYmNub2g3S2xoTWhsbGMxdkdpNjR5ZVMxUFRHNFl3akhqbE1rM1RPcGRKWC1EUlZwTnJvbFgyaGR3M3ZMaF9RYWdvcmlMSi0wN2NNaG1KTUZEY1E?oc=5) · Smart Business Dealmakers
- 2020-02-19 [Victory Community Bank to Merge with Ohio Bank In April - LINK nky](https://news.google.com/rss/articles/CBMiigFBVV95cUxNMHJtXy1rRkZpd1F4RDhGRzZYaW51UzJPaGQyMTZRQ0pfdVFabnBOQWJoTnl1cVBVSmhrVkpNR3YybFp2NHdiYTdfRVlDM0FRQTFFYU8tbnZxZ2NhVzZVcnFvSUIyU1R6c0ZwU2FIZXd6dkFCXzlvTGRFczhMYzltWjZJXzlCVDE2Unc?oc=5) · LINK nky
- 2019-12-02 [Heartland in Ohio to enter Cincinnati with latest bank acquisition - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxNS0UtRG9UdFFFclZmUFloSGFRMldLVXBOa1FMRldRRXl0ZDFKeUFzdHZKR2RRNkNsUmlmQTB2Sk14c181Nk5GNF9qTmItV3dMMEJvMzZCS2ZPXzdHSVhOV0stMDUxWm45SThxVGJpcnJrUy1neHQwMW1NR1FJNVBEWWlLaFNCU1ZpcDF3VXkyODZsNHlTN1pEaDBzSE1CU0FQQ2EyRA?oc=5) · American Banker
- 2014-11-14 [Victory Bank's CEO learned a lot about life from digging graves - The Business Journals](https://news.google.com/rss/articles/CBMitwFBVV95cUxQdUdOemM4a0FwOG1vVHU1QlRraWVOYThPY19abGVJTzRpWXRQRFJSeUN1TmpKaFlTVEI2ZVJSbE4zcVVTU1hYTE5hSzdqZllVSjZLQ0l6ZGxiRFQxOEZqRTNtM21SWkp5MmtPVlUxa0lBODlyTVlIdlI5dVU2OGp5c2FSbGhMZXBOU3JycWl2ZF9JZjlwR2phU180QlBLTWM3bFlDYmdLRFpFS1hZOFRnUVVUYk9iVXM?oc=5) · The Business Journals
- 2018-08-03 [Man arrested in Fort Mitchell bank robbery - WLWT](https://news.google.com/rss/articles/CBMihgFBVV95cUxObUlKSUNfMl9salI4d21BZG1hT1ZoVE1vMG85WnkyUmNkZVFMVUJwRTJuclV4VWhUd2RnQ3h6VnpjekROaFFIX3NMWUZRbHF5LUV2eHFDN1lOekNLZmFDWTZHaG43YWdPRHh5UEN4VWpEc2s5UTlSMkdadkJGRW4tN3RrTWNUQQ?oc=5) · WLWT
- 2024-07-31 [Heartland Bank, with Cincinnati branches, being acquired by Indiana financial institution - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPUVdGTTdGQkhKdXVDdHY2V3VfV3JJM0xEMlg0dnFQbWdjalBpN09NN2lTNTYxT0lVaFJmb3VEdUFaci1RTGdpdExmd1hCM1JqTERVLWNwQ2FjczJpNUY1QzRrby04am5HSHk2SDIwdHFhODktMk9SZ2p2Mi1lRUI0VDJyMVN4aEQzcnAtc3ctWXVrUC1zOENGTkFhbGNXQzlmLXk5RERjRGwyZw?oc=5) · The Business Journals
- 2014-02-11 [‘Serial robber’ appears in court - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQVlRraWRFWm1HQ0lWcm5EVmxEY2ZTdF82NGtLa0cwZ29RV2xZc2xEUmhNMlEyNzhRRV9DVXJJcHdZR1U0b01aT29rWEFDRTlDUWc3WWFzNXYySnFwMXdwT0ZPM0kteFlKWFhqcURWYjVTbkdwbTJBVW55alhoai03TFZCdFVRVXgxaFowQnNOak15RUlPZFRFQWZkTDhMTVdhdWwtOG1uLU9OaGc?oc=5) · Cincinnati Enquirer
- 2021-12-03 [Cincinnati bank chief moves to head another bank’s local operations - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxObE1yYVJGTk9sUGlPUURTSkFzZHB6VGdNMGFkQktzM2xPQi1Yd0JucmJnbXlCT2J4dTUtVV9zWjZJcmVVc2sxNVdEVmF3UHRnSnRHRFJ4dDhwUmlKU1JZSkRkVnQ3X0FpZGxOUGVPOWZWbDVMbFJSQzBjbjBkRXo3MmhhaHJRZlZKVjJmSG1TaWlzeWt3RHVv?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57277 (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/61.json (key "57277", 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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