The Victory Bank

548 North Lewis Road
Limerick, PA 19468

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58615
Date Established 2008
Assets $0.22 billion
Loans $0.20 billion
Deposits $0.17 billion
Capital $0.02 billion

The Victory Bank is an FDIC insured institution located in Limerick, PA. It was founded in 2008 and has approximately $0.22 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of The Victory Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in The Victory Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Pennsylvania, The Victory Bank has a significantly higher percent of Small Business Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 28.55
Multifamily
Mortgages
4.84
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 28.07
Construction and Development Loans 4.53
Commercial Real Estate 37.55
Commercial and Industrial Loans 19.88
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.25% $500 - Learn MoreShow Less
6 Mo CD 10K
0.30% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.55% $100 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.90% $500 - Learn MoreShow Less
Special: 30 Mo FIRA
1.80% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.25% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.20% $1 $9,999 Learn MoreShow Less
MM 10K
0.25% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.30% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 $9,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The Victory Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to The Victory Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

The Victory Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


The Victory Bank Locations

Financial Details

The Victory Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Victory Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The Victory Bank U.S. Bank Average
3.31% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, The Victory Bank had $690,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $18,892,000 in equity and $1,939,000 in loans loss reserves. That gives it a Texas Ratio of 3.31%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
The Victory Bank U.S. Bank Average
8.08% 8.58

The Victory Bank has a Return on Equity of 8.08% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The Victory Bank U.S. Bank Average
8.62% 12.11

The Victory Bank has a Capitalization of 8.62% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The Victory Bank Balance Sheet Analysis

As of June 30, 2017, The Victory Bank had assets of $219,256,000, loans of $202,738,000, and deposits of $165,873,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About The Victory Bank

Branches and Savings

Is The Victory Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58615.

Why does The Victory Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The Victory Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The Victory Bank a commercial bank?

Yes

Where are The Victory Bank locations?

See branch locations nearby.

Is The Victory Bank open on Saturdays?

Is The Victory Bank open on Sundays?

What time does The Victory Bank open?

What time does The Victory Bank close?

Are The Victory Bank ATMs Open 24/7?

Do The Victory Bank ATMs accept cash deposits?

Can The Victory Bank customers use other ATMs?

Do The Victory Bank branches have notaries?

Will The Victory Bank notarize my document?

What address for The Victory Bank should I put for incoming ACH transfers?

Will the The Victory Bank branch print checks?

Do The Victory Bank checks expire?

Does The Victory Bank require US citizenship to open account?

Can The Victory Bank close my account?

Does The Victory Bank Report to credit bureaus?

Does The Victory Bank Use Equifax?

What is The Victory Bank's ACH Routing Number?

What is The Victory Bank's SWIFT code?

Products

Does The Victory Bank offer mortgages?

Compare mortgage rates here.

Does The Victory Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Victory Bank offer personal loans?

Compare personal loan rates here.

Does The Victory Bank offer student loans?

Will The Victory Bank cash a check?

Will The Victory Bank redeem a savings bond?

Does The Victory Bank cash savings bonds?

Will The Victory Bank cash money orders?

Can The Victory Bank issue a money order?

Does The Victory Bank do currency exchange?

Background on The Bank

Who owns The Victory Bank?

How long has The Victory Bank been around?

Can The Victory Bank transfer to other banks?

Does The Victory Bank have quick pay?

Does The Victory Bank accept rolled coins?

Will The Victory Bank accept loose change?

Where is The Victory Bank headquarters?

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