Victory Bank: how it compares with its peers
Against 139 TX banks with half to twice its assets, Victory Bank's strongest measure in Q2 2026 is assets per employee ($9.5M vs. a $6.7M peer median). Its weakest relative measure is return on assets (1.02% vs. 1.46%).
| Measure | Victory Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.02% | 1.46% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.39% | 4.20% | Middle third Ahead of 62% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.45% | 61.18% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.5M | $6.7M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.93% | 68.04% | Context |
What it means for lending operations
Its efficiency ratio of 59.45% is better than the 61.18% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Jacksboro National Bank Jacksboro, TX · $283M
- Interstate Bank Perryton, TX · $288M
- PrimeBank of Texas Austin, TX · $280M
- One World Bank Dallas, TX · $290M
- Incommons Bank, N.A. Mexia, TX · $278M
- Charter Bank Corpus Christi, TX · $292M
Questions about Victory Bank
How big is Victory Bank?
Victory Bank, established in 1917, is headquartered in Lubbock, TX. It reported $285M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Victory Bank's return on assets?
1.02% annualized in Q2 2026, against a 1.46% median for 139 TX banks with half to twice its assets, ahead of 24% of them.
What is Victory Bank's efficiency ratio?
59.45% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 61.18%, and lower is better.
Is Victory Bank growing its loans?
Net loans grew 47.7% over the year to Q2 2026, while deposits grew 24.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.