TX lenders / Community Bank
Victory Bank
Community Bank · Lubbock, TX · Victory Financial Corp
- Total assets
- $260.0M
- CRE loan book
- $69.0M
- QoQ CRE growth
- 9.9%
- Q1 2026
Recorded CRE activity — harris County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 2, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.22% as of Q1 2026 — TX bank median 6.76% (0.47pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.22% | 7.26% |
| Q4 2025 | 7.77% | 7.90% |
| Q3 2025 | 7.66% | 7.77% |
| Q2 2025 | 7.34% | 7.50% |
| Q1 2025 | 6.73% | 7.22% |
| Q4 2024 | 7.82% | 8.26% |
| Q3 2024 | 7.89% | 8.40% |
| Q2 2024 | 7.91% | 8.48% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $69.0M | $29.1M | $0 | 160% | $0 |
| Q4 2025 | $62.8M | $25.3M | $0 | 152% | $0 |
| Q3 2025 | $50.1M | $16.3M | $0 | 115% | $0 |
| Q2 2025 | $48.0M | $8.5M | $296,000 | 110% | $0 |
| Q1 2025 | $42.2M | $7.8M | $0 | 98% | $0 |
| Q4 2024 | $28.2M | $7.3M | $0 | 73% | $0 |
| Q3 2024 | $24.7M | $4.0M | $0 | 62% | $0 |
| Q2 2024 | $19.0M | $3.8M | $0 | 53% | $0 |
Victory Bank: frequently asked questions
- How large is Victory Bank's commercial real estate loan book?
- As of Q1 2026, Victory Bank reported $69.0M in commercial real estate loans out of $260.0M in total assets, per its FFIEC Call Report.
- Is Victory Bank above the 300% CRE concentration guideline?
- Victory Bank's CRE loans stood at 160% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Victory Bank growing or shrinking its CRE lending?
- Victory Bank's CRE loan book grew 9.9% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Victory Bank in recorded CRE lending?
- 1 commercial deed of trust naming Victory Bank as lender has been recorded recently in harris County, verified from county records; the most recent was recorded Jul 2, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- Coleman County State BankCommunity Bank · Coleman · $68.9M CRE book
- Llano National BankCommunity Bank · Llano · $68.5M CRE book
- First Texas National BankCommunity Bank · Floydada · $68.0M CRE book
- Colonial Savings, F.A.Community Bank · Fort Worth · $70.1M CRE book
- The Waggoner National Bank of VernonCommunity Bank · Vernon · $70.4M CRE book
Markets where Victory Bank lends
Victory Bank has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.