Is Victory Bank Safe?
Victory Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (22/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 34.37% | 100/100 |
| Nonperforming Loan Ratio | 0.13% | 97/100 |
| Liquidity Ratio | 42.39% | 100/100 |
| Return on Assets | 0.04% | 22/100 |
| Total Assets | $0.1B | |
How does Victory Bank compare?
With a Bank Health Score of 91/100, Victory Bank sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Victory Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 34.37% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.13% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Victory Bank's Bank Health Score fell by 3.0 points to 91/100. Tier 1 capital weakened by 17.02 percentage points to 34.37%. Quarter-over-quarter, the score rose by 1.0 points.
Victory Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (22/100).