Victory Bank (FDIC #18677): Bank Stress & Real-Estate Credit Exposure

Victory Bank (FDIC Cert #18677): bank stress 64/100, elevated, STABLE over 7 days; parent VICTORY FINANCIAL CORP.

Victory Bank (#18677) lends in 3 counties across 1 state; Victory Bank (#18677) reaches 50 ZIP codes: Texas 3 counties, 50 ZIPs.

Victory Bank (#18677) largest markets: Lubbock County, TX (26 branches, 26 ZIPs) (#18677), Taylor County, TX (17 branches, 17 ZIPs) (#18677), Runnels County, TX (11 branches, 11 ZIPs) (#18677).

Victory Bank (#18677) reports $284.8 million in total assets; Victory Bank (#18677) equity $33.6 million (11.8% of Victory Bank (#18677) assets); Victory Bank (#18677) domestic deposits $250.0 million; Victory Bank (#18677) net income $1.4 million; Victory Bank (#18677) return on assets 1.02%; Victory Bank (#18677) return on equity 8.25%; Victory Bank (#18677) net interest income $5.4 million; Victory Bank (#18677) call report June 30, 2026.

Victory Bank (#18677) noncurrent real-estate loans: none reported; Victory Bank (#18677) net charge-offs on real estate 0.05%.

Victory Bank (#18677) net interest margin 4.39% against an eight-quarter Victory Bank (#18677) average of 4.52% (Victory Bank (#18677) compression 0.13 points); Victory Bank (#18677) rate-exposure score 40/100, Victory Bank (#18677) fixed-rate trap 40/100; Victory Bank (#18677) risk type credit driven; Victory Bank (#18677) rate regime rates elevated, Victory Bank (#18677) snapshot October 19, 2026.

Victory Bank (#18677) stress score moved from 61.9 on June 22, 2026 to 63.7 on October 19, 2026; Victory Bank (#18677) ranged 61.9 to 63.7 over 116 snapshots.

Victory Bank (#18677) alerts: 3 counties; top Victory Bank (#18677) alert scores: Lubbock County, TX 26 (low); Buffalo Gap County, TX 20 (low); Winters County, TX 20 (low).