Victory Bank
Lubbock, TX
IDRSSD: 304762
Total Assets
$242.06M
Latest filing
Total Deposits
$209.34M
Latest filing
Net Interest Margin
4.28%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Victory Bank
4401 Marsha Sharp Freeway
Lubbock, TX 79407
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1917FDIC Certificate 12551
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Victory Bank (Main) | 4401 Marsha Sharp Freeway | Lubbock, TX |
| BUFFALO GAP BRANCH | 502 Vine St | Buffalo Gap, TX |
| ABILENE LPO/DPO | 4437 Loop 322 | Abilene, TX |
| WINTERS BRANCH | 700 S Main St | Winters, TX |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1917 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 79407 |
| State and County Number | 48303 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Lubbock, TX |
Operational Info
| Number of Employees | 36 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 05/19/2025 |
| Date of Deposit Insurance | 01/03/1963 |
| Primary Insurance Agency | DIF |
| Website | victory.bank |
| Data Updated | 11/14/2025 |
| CERT | 18677 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $242.06M |
| Total Deposits | $209.34M |
| Total Liabilities | $210.42M |
| Total Equity Capital | $31.64M |
| Net Income | $472.00k |
| Net Loans and Leases | $113.78M |
| Assets Per Employee ($Millions) | $7.56M |
| Bank Premises and Fixed Assets | $7.77M |
| Cash and Balances due from Depository Institutions | $32.44M |
| Deposits Held in Domestic Offices | $209.34M |
Key Performance Ratios
| Return on Assets (ROA) | 0.8% |
| Return on Equity (ROE) | 6.13% |
| Net Interest Margin | 4.28% |
| Efficiency Ratio | 66.15% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.073% |
| Earning Assets to total Assets | 93.18% |
Income and Expense
| Total Interest Income | $3.52M |
| Total Noninterest Income | $234.00k |
| Total Interest Expense | $1.17M |
| Total Noninterest Expense | $1.88M |
| Net Interest Income | $2.36M |
| Pre-tax Net Operating Income | $597.00k |
| Provision for Credit Losses | $114.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.49M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.07M |
| Total Liabilities and Capital | $242.06M |
Securities
| Securities | $81.84M |
| Available-for-sale debt securities | $81.84M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Victory Bank?
$242.06M as of the latest filing.
How much are Victory Bank's total deposits?
$209.34M in total deposits.
Where is Victory Bank located?
Lubbock, TX.
What is the Net Interest Margin?
4.28%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1917.
What is the Return on Assets (ROA)?
0.8%.
How much are total loans and leases?
$113.78M (latest filing).
What is the total interest income (latest filing)?
$3.52M.