🏦Bank Scorer

VICTORY BANK

LUBBOCK, TX · Supervised by FDIC

Est. 1917FDIC #18,677RSSD: FDIC-18677
Part ofVICTORY FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.90%

Institution Profile

FDIC BankFind

Address

4401 Marsha Sharp Freeway, LUBBOCK, TX

County

Lubbock County

Established

January 1, 1917

Total Assets

$260M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$260M

Total Deposits

$226M

Net Loans

$136M

Net Income

$578K

ROA

0.90%

ROE

7.10%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.53%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$200M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249373.12%7.53%
20239588.42%0.00%
202212782.68%0.79%
202115585.81%2.58%
202015483.77%3.25%
201913788.32%2.19%
201812286.89%5.74%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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