Call reports 2025
VICTORY BANK — 2025
What VICTORY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 192,427,000 | 231,589,000 | 242,060,000 | 252,324,000 |
| Total loans | 92,806,000 | 107,576,000 | 114,958,000 | 126,932,000 |
| Allowance for loan losses | 990,000 | 1,088,000 | 1,174,000 | 1,306,000 |
| Securities available for sale | 55,989,000 | 76,334,000 | 81,837,000 | 78,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,944,000 | 200,488,000 | 209,345,000 | 218,515,000 |
| Interest-bearing deposits | 113,284,000 | 147,235,000 | 147,534,000 | 157,118,000 |
| Noninterest-bearing deposits | 47,660,000 | 53,253,000 | 61,811,000 | 61,397,000 |
| Equity capital | 30,651,000 | 29,933,000 | 31,644,000 | 32,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,638,000 | 5,885,000 | 9,407,000 | 13,193,000 |
| Interest expense | 820,000 | 1,907,000 | 3,072,000 | 4,180,000 |
| Net interest income | 1,818,000 | 3,978,000 | 6,335,000 | 9,013,000 |
| Noninterest income | 222,000 | 501,000 | 735,000 | 1,119,000 |
| Noninterest expense | 1,626,000 | 3,561,000 | 5,441,000 | 7,327,000 |
| Provision for loan losses | 205,000 | 304,000 | 390,000 | 535,000 |
| Pretax income | 209,000 | 561,000 | 1,158,000 | 2,123,000 |
| Income tax | 44,000 | 118,000 | 243,000 | 446,000 |
| Net income | 165,000 | 443,000 | 915,000 | 1,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,242,000 | 28,739,000 | 29,420,000 | 30,384,000 |
| Total capital | 29,329,000 | — | — | — |
| Risk-weighted assets | 115,162,000 | — | — | — |