Side-by-side · Q2 2026 data
Incommons Bank, N.A. vs Victory Bank
Metric by metric
| Measure | Incommons Bank, N.A. | Victory Bank |
|---|---|---|
| TellerScore | 73 | 77 (stronger) |
| Capital cushion | 52 | 71 (stronger) |
| Loan quality | 86 | 98 (stronger) |
| Earnings | 84 (stronger) | 61 |
| Funding & liquidity | 67 (stronger) | 62 |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 53rd | 68th |
| Total assets | $277.6M | $284.8M |
| Deposits / shares | $245.8M | $250.0M |
| Capital ratio | 10.20% | 12.11% (stronger) |
| Problem loans | 0.41% | 0.05% (stronger) |
| Net charge-offs | 0.04% | -0.00% (stronger) |
| Return on assets | 1.60% (stronger) | 1.02% |
| Loans ÷ deposits | 79.0% | 62.9% (stronger) |
| Uninsured deposits | 28.1% (stronger) | 47.0% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.8% | — |
Victory Bank has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Incommons Bank, N.A. leads on 2 and Victory Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.