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This institution is no longer active

Operations ceased on June 1, 1998. CRA examination history below reflects the period it was active.

VICTORY BANK AND TRUST COMPANY

CORDOVA, TN · Supervised by FDIC

Est. 1989FDIC #27,509RSSD: FDIC-27509
Part ofDEPOSIT GUARANTY CORP→ View all charters
Satisfactory Same

Current rating · Exam: September 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -2.40%

Institution Profile

FDIC BankFind

Address

894 Germantown Parkway, CORDOVA, TN

County

Shelby County

Established

May 19, 1989

Total Assets

$133M(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

September 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 1998Call Report / FDIC

Total Assets

$133M

Total Deposits

$114M

Net Loans

$102M

Net Income

$-793K

ROA

-2.40%

ROE

-39.32%

Risk-Based Capital

8.57%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 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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