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Victory Bank
Lubbock, TX · FDIC Certificate #18677 · Chartered 01/0
Total assets
$284.76M
Total deposits
$250.01M
Total equity
$33.62M
Net loans
$157.33M
Branches (offices)
3
Net income (YTD)
$1.36M
Rank: #2,546 of 4,213 U.S. banks by assets · #220 of 346 in Texas. Assets changed 23.0% and deposits 24.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.02% |
| Return on equity | 8.25% |
| Net interest margin (YTD) | 4.39% |
| Equity to assets | 11.80% |
| Tier 1 leverage ratio | 12.11% |
| Uninsured deposits (share of deposits) | 47.0% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 62.9% |
| Real estate loans (share of loans) | 68.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $107.14M | 68.1% | |
| Commercial & industrial | $42.32M | 26.9% | |
| Consumer / individual | $1.01M | 0.6% | |
| Construction & development | $30.52M | 19.4% | |
| Agricultural | $7.23M | 4.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $72.79M | $65.89M | $191.00K | $6.32M |
| Jun 2023 | $121.75M | $90.24M | $130.00K | $30.01M |
| Jun 2024 | $148.99M | $118.26M | $21.00K | $29.91M |
| Jun 2025 | $231.59M | $200.49M | $443.00K | $29.93M |
| Jun 2026 | $284.76M | $250.01M | $1.36M | $33.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $250.01M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $250.01M.
Similar-sized banks
One American Bank ($285.19M) · Sawyer Savings Bank ($284.74M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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