Bank of Vici
Vici, Oklahoma · FDIC Cert #420
Bank of Vici is an FDIC-insured bank (Certificate #420) with $33M in total assets and $29M in total deposits as of the Q2 2024 Call Report. Headquartered in Vici, Oklahoma, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 12.76%. BankHealthData assigns a composite Health Grade of F (26/100). 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.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. 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 negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Bank of Vici carries a composite BankHealth grade of F (26/100) 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
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 12.76%
- Liquidity Ratio
- 30.41%
- Return on Assets
- -0.28%
- Headquarters
- Vici, Oklahoma
- FDIC Certificate
- #420
- Health Grade
- F (26/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Vici holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Bank of Vici to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Bank of Vici shows some financial weakness with a Health Score of 26/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
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 26 is 38 points below the Oklahoma state average of 64 across 141 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below 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 68, meaning this bank ranks below its size cohort. Site-wide, Bank of Vici is 44 points below the portfolio average of 70.
Frequently Asked Questions
Bank of Vici has a Bank Health Score of F (26/100), placing it in weak financial health. It holds a Tier 1 capital ratio of 0.00%, which is below 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 0.00% and nonperforming loan ratio of 12.76% indicate an elevated 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 has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." 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 F grade on our Bank Health Score means below 40/100 — significant weakness on multiple metrics; depositors above the FDIC limit should be especially vigilant. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Vici shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.