# VICTORY BANK
LIMERICK, PA · FDIC certificate 58615 · asset band $300M-1B · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $456.2M | |
| Deposits | $409.3M | |
| Loans and leases | $409.5M | |
| Total equity | $45.1M | |
| Loans / deposits | 99.23% (p90 of band) | 80.78% |
| Liquid assets / assets | 7.94% (p2 of band) | |
| Uninsured deposits / deposits | 27.39% (p56 of band) | 25.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p12 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.77% (p31 of band) | 10.64% |
| Unrealized securities loss / equity | -1.00% (p85 of band) | -8.46% |
| AOCI / equity | 0.96% (p98 of band) | |
| ROA (annualized) | -2.53% (p0 of band) | 1.22% |
| Net interest margin | 4.03% (p60 of band) | 3.83% |
| Efficiency ratio | 165.10% (p100 of band) | |
| Noncurrent loans | 0.02% (p13 of band) | 0.42% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | 4640.54% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 60.57% (p63 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | 1 | capital falling |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 2 | liquid assets <10% | uninsured deposits leaving |
| 2012-12 | 2 | reserve under noncurrent | capital falling |
| 2013-03 | 1 |  | reserve under noncurrent |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 3 | loans exceed deposits |  |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | reserve under noncurrent |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | reserve under noncurrent |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | wholesale funding >15% |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | wholesale funding >15% |
| 2016-06 | 4 | wholesale funding >15%, capital falling |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 3 |  | capital falling |
| 2017-06 | 4 | charge-offs p90 |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 2 |  | wholesale funding >15%, charge-offs p90 |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 4 | brokered >10%, wholesale funding >15% |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 1 |  | loans exceed deposits, brokered >10%, wholesale funding >15% |
| 2019-06 | 3 | loans exceed deposits, charge-offs p90 |  |
| 2019-09 | 1 |  | loans exceed deposits, charge-offs p90 |
| 2019-12 | 0 |  | liquid assets <10% |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | wholesale funding >15%, capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | wholesale funding >15%, capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | deposits shrinking, assets shrinking |  |
| 2023-06 | 3 | uninsured deposits leaving |  |
| 2023-09 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2023-12 | 2 | loans exceed deposits, capital falling | deposits shrinking |
| 2024-03 | 1 |  | loans exceed deposits |
| 2024-06 | 2 | loans exceed deposits |  |
| 2024-09 | 0 |  | capital falling, loans exceed deposits |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 3 | liquid assets <10%, losing money, expense ratio p90 |  |

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

- 2026-06-29 [QNB Corp’s Banking Division, QNB Bank, Announces Successful Victory Bank Systems Integration - Yahoo Finance](https://news.google.com/rss/articles/CBMimgFBVV95cUxPZVQ5SFp5SkZoWUI0RjRsMTBKcW9DUjF4TVdFYmZMaDZERGNxdy01eVowcWlKa3hadmZaZUlWelVobHlXR21OZ3MyVE05VlpCazFsalZsU2pSaU5sZEJRZ3lKZnhRcVJTTnpiTEFLeUN4aTJZX0ZSV1l5MUg3QWN6SHhESjB5S2tLbHVibHppR0QwWEpMMFc1TVZB?oc=5) · Yahoo Finance
- 2026-02-28 [QNB-Victory Bank Merger Moves Forward After Shareholder Vote - BUCKSCO.Today](https://news.google.com/rss/articles/CBMidEFVX3lxTE9pNkRoUHRJeHBtbGdHUXBFc1hkRklGWVNic2ZvWmtoQS1ESHNvWXNSczNCNk91ZTNGdE1pRmYzbTZ3RzNZaHdFQ3pWQ2xZSFBvSm1SS05ybGRCbzhFdzBiMnpsVzNzeTI2MGs5VUwxeXBpYXRn?oc=5) · BUCKSCO.Today
- 2026-04-01 [QNB Corp. Completes Acquisition of Victory Bancorp, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNNXd5UkxyWFN5Wkw0dG9GbjBBTzFaYjQ0QlV6QWNINFNMdzkzVVhkVWZ2cXVMUVZNeFJHcmZVN3l3SWwtb1Z3VDZMRi1ULThNbVdEa21IZk5ULWQydXRGQUVuYWNHMjdEZk5yZEdqQzQzVERGOXAzWjJmbXJNanBac3BRNEt5TWlMcFRLVVhXbGNBTWxLc09BZzRhNTZ6SGtQaHRORE93aEt6M282VzZ6Z0dKZlhUZElJYzVLbVc4ZVFDOVE?oc=5) · GlobeNewswire
- 2026-04-07 [Quakertown's QNB Bank completes acquisition of Montgomery County bank - WFMZ.com](https://news.google.com/rss/articles/CBMihwJBVV95cUxOSTctWklzMmZoX09fMXJkT1BXLXVKSXF4Nmh3eE10UXFQMk55N0F5dnZLT2lkS2dXdDBnRHNxTi1EWVFRQUtacmdGR2lPMDhVZ09PNm8xVThIQTd6NldFcnhEZnB4Y1Z0bnpvM1FReHdGaDJzT09wb3FDY1RLX2p0ZEVMVTR5VlVobVlDYV85ZWlwVDgxdURfM1diRW1zU3J0VjNhNzA5a0VyUnlMa1l2T1VLdHQtaGF4b1hZLXFfUE9lTThNeDhRNjNaSnJQelEzOXFVTXQ3MzcxemZodjBjVjlsYTdwNVhDVnoyZDJjbjc2RWJuanZUcFZ2VVFmVFVTdzhuZ19kYw?oc=5) · WFMZ.com
- 2026-02-19 [QNB Corp. and The Victory Bancorp Announce Shareholder Approvals Received for Merger - citybiz](https://news.google.com/rss/articles/CBMivwFBVV95cUxNbldmNlRJZ05vQllUdVFvbXZ2U3p0cEJzcXJNZ3p3bkhCMEVBQlh0SGpfVEZLSnNZS0p2YUpNNGdLczRrdGxLMGtGTlpfWnYyaFpReU9ic3lzR0NNaUcwU3g0SGxjY3FMSG1yZ0x2UGNYY212U2FDQ1VMTy0tSTRlVWxKaEdzbFZNSTdYOUI4VWh0TlpEWjBMSDBBcWZmQTNrNzJtUmY1LW9nOWN6Q2RCQ1M0RXdTdEY2OTh0clRyNA?oc=5) · citybiz
- 2025-09-24 [QNB Corp. expanding footprint with $41M acquisition of Victory Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOcWZMV3lKSFVsOGlMcVd1a1pJVkNKVndyVEVKakVVM016eGpkenFYTklaanc1Mm1Qc2t4MmllLU1YXzFKQWZfSTIwLWRLTlBsc1BHdUF5WGdIX2RTVGsyNnA4SHh1SGRlU2VXU1czbTZmQ3hkUk9lZGk2TG91M3Z6Q0Nnc0dId0xHUUVSY1dLN1ctendmU2J4Vll4T3V0SW41ckJHWnkyWHJURjg?oc=5) · The Business Journals
- 2025-09-24 [QNB Corp. buying Victory Bancorp for nearly $41 million - pottsmerc.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOdVA3X2NOTHNmSmFwVXlYWURUNmxmeC1vR25hdEVycFpINVd3M0JEZ2tKd2Y3aERPbkpqMk9Nd3ZxTVc0M3JqMWlHUzZ4M1J4UlRQRkVkWTNIMDMzYUFuN28takpQZVdOTGdnZ2w3aDQxSHFZZENjSTJ2MTZOVU81ZGJ1UG1pRjZhN01kYkhHdjFyd1llVmc?oc=5) · pottsmerc.com
- 2026-02-19 [Proposed bank merger clears key hurdle - WFMZ.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNMGh1NTg5S1lWUVpNOEF3ZDlZbzF6c3lSYTRuVFh0MzByVlRRWENMN3g1V1NwY21RaFFHcVA1YkVRcEp4WmtqMVVTb3oxakpfa055eERETDZqTGtvUzd0Zzh3NTRmakdYTXpqN29oSkhyU1VpOF9LbENzQVlIMG9odlhUTmxpWUxqcnF2MjhOZXpSZ0czWUQ3TDhzYkpxQ2tHRHZfLTFFWXhiZzVxNUVKOS1rUkZoandfdWc4dHVmUzBNeXFmcS0wWThTTUJ2THBkUy1FVEJWNk5rWEtSOFEtUlZESjFPVUhUdUE?oc=5) · WFMZ.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58615 (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/55.json (key "58615", 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