TellerScore

Victory Bank (FDIC certificate #18677) is based in Lubbock, Texas. Its Q2 2026 call report shows $284.8M in total assets and $250.0M in deposits and 4 offices.

Victory Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 133rd. Problem-loan coverage contributes the most (100/100, 0.2%); earnings contributes the least (61/100, 1.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Tier 1 leverage ratio: 12.11%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.05%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 62.9% · 47.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.23%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 77).

TellerScore
767981Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202479
Q3 202481
Q4 202481
Q1 202581
Q2 202577
Q3 202576
Q4 202577
Q1 202678
Q2 202677
Tier 1 leverage ratio
5.00%12.25%19.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202419.50%
Q3 202417.02%
Q4 202416.61%
Q1 202515.45%
Q2 202513.40%
Q3 202512.70%
Q4 202512.18%
Q1 202612.33%
Q2 202612.11%
Noncurrent loans
0.03%0.08%0.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.07%
Q4 20240.07%
Q1 20250.04%
Q2 20250.05%
Q3 20250.05%
Q4 20250.03%
Q1 20260.07%
Q2 20260.05%
Return on assets
0.03%0.53%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.03%
Q3 20240.24%
Q4 20240.33%
Q1 20250.35%
Q2 20250.44%
Q3 20250.58%
Q4 20250.76%
Q1 20260.90%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$284.8M12.11%0.05%1.02%62.9%
Q1 202678$260.0M12.33%0.07%0.90%60.2%
Q4 202577$252.3M12.18%0.03%0.76%57.5%
Q3 202576$242.1M12.70%0.05%0.58%54.4%
Q2 202577$231.6M13.40%0.05%0.44%53.1%
Q1 202581$192.4M15.45%0.04%0.35%57.0%
Q4 202481$180.5M16.61%0.07%0.33%46.5%
Q3 202481$167.3M17.02%0.07%0.24%49.9%
Q2 202479$149.0M19.50%0.13%0.03%50.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.11%
66th
Total risk-based capital0.00%
24th
Problem loans0.05%
78th
Net charge-offs-0.00%
82nd
Return on assets1.02%
35th
Net interest margin4.39%
75th
Efficiency ratio59.4%
59th
Loans to deposits62.9%
79th
Uninsured deposits47.0%
5th
Loan-loss reserves1.05%
33rd
Texas ratio0.2%
82nd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The Jacksboro National BankBank Jacksboro, TX83 out of 100, Strong$283.2M11.4%0.01%vs
Interstate BankBank Perryton, TX40 out of 100, Below average$288.4M9.4%3.47%vs
PrimeBank of TexasBank Austin, TX79 out of 100, Strong$279.7M11.7%0.00%vs
One World BankBank Dallas, TX67 out of 100, Moderate$290.1M13.2%0.00%vs
Incommons Bank, N.A.Bank Mexia, TX73 out of 100, Strong$277.6M10.2%0.41%vs
Charter BankBank Corpus Christi, TX58 out of 100, Moderate$292.3M11.3%2.78%vs

Deposit insurance

Is my money safe at Victory Bank?

Yes. Victory Bank is an FDIC-insured institution (FDIC certificate #18677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 47.0% of deposits ($117.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.11%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Victory Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Victory Bank
Former names
The Security State Bank
Type
State-chartered bank
FDIC certificate #
18677
RSSD ID
304762
Primary regulator
FDIC
Holding company
Victory Financial Corp
Established
January 1, 1917
Headquarters
4401 Marsha Sharp Freeway, Lubbock, TX 79407
Employees
30

Quick answers

Victory Bank: common questions

Is Victory Bank FDIC insured?

Yes. Victory Bank is an FDIC-insured institution (FDIC certificate #18677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Victory Bank's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Victory Bank ever failed?

There is no failure record for FDIC certificate #18677 in the FDIC failed bank list.

How many branches does Victory Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lubbock

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Federal Credit UnionCredit union Big Spring, TX90 out of 100, Very strong$201.9M14.6%0.13%vs
Caprock Santa Fe Credit UnionCredit union Slaton, TX85 out of 100, Very strong$51.5M41.7%1.77%vs
Citizens State BankBank Anton, TX84 out of 100, Strong$80.7M16.0%0.01%vs
First State BankBank Shallowater, TX84 out of 100, Strong$150.8M15.9%0.23%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
First United BankBank Dimmitt, TX77 out of 100, Strong$2.4B11.2%0.41%vs