Bank of Vici
Vici, Oklahoma · FDIC Cert #420
This is the FDIC profile for Bank of Vici, an FDIC-insured bank (Certificate #420) with $33M in total assets and $29M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Vici, Oklahoma, the bank maintains a Tier 1 capital ratio of 15.24% (Well-Capitalized) and a nonperforming loan ratio of 12.76%. BankHealthData assigns a composite Health Grade of C (61/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Vici (FDIC cert 420) is a community bank — $33M in total assets, $29M in deposits, serving the Vici, Oklahoma area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 15.24% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 12.76% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is comfortable: 30.4% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -0.28% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Bank of Vici carries a composite BankHealth grade of C (61/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Vici
- Total Assets
- $33M
- Total Deposits
- $29M
- Tier 1 Capital Ratio
- 15.24%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 12.76%
- Liquidity Ratio
- 30.41%
- Return on Assets
- -0.28%
- Headquarters
- Vici, Oklahoma
- FDIC Certificate
- #420
- Health Grade
- C (61/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Bank of Vici files quarterly Call Reports with the FDIC under Certificate #420. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Bank of Vici holds a Tier 1 capital ratio of 15.24%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Vici has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Vici shows average financial health. While not alarming, its Health Score of 61/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Vici Compares
Bank of Vici’s Health Score of 61 is 16 points below the Oklahoma state average of 77 across 141 FDIC-insured banks. Its 15.24% Tier 1 capital ratio is 1.2 points above the US banking industry average near 14%. The 12.76% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -0.28% is below the national ROA benchmark of ~1.1%. Among 305 similarly-sized banks, the average Health Score is 84, meaning this bank ranks below its size cohort. Site-wide, Bank of Vici is 19 points below the portfolio average of 80.
Frequently Asked Questions
Bank of Vici has a Bank Health Score of C (61/100), placing it in average financial health. It holds a Tier 1 capital ratio of 15.24%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Vici's Tier 1 capital ratio of 15.24% and nonperforming loan ratio of 12.76% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Vici is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #420). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Vici holds $33M in total assets and $29M in total deposits. It is headquartered in Vici, Oklahoma (FDIC Certificate #420).
Bank of Vici's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #420 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Bank of Vici has a Tier 1 capital ratio of 15.24%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 12.76%, and the return on assets is -0.28%.
Yes. Bank of Vici is FDIC-insured (Certificate #420). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Vici's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.