Victory State Bank

4142 Hylan Boulevard
Staten Island, NY 10308

Notable Rates APY Vs.Others
Savings 0.20% 2.25% →
1-Year CD 0.95% 2.25% →
2-Year CD 1.25% 2.50% →
5-Year CD 1.75% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Victory State Bank is an FDIC insured institution located in Staten Island, NY. It was founded in 1997 and has approximately $0.4 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 34565
Date Established 1997
Assets $0.40 billion
Loans $0.15 billion
Deposits $0.33 billion
Capital $0.04 billion

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

Deposit Rates - December 13, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $2,501 $25,000 Learn MoreShow Less
Money Market
0.45% $25,001 - Learn MoreShow Less
3 Mo CD
0.20% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.40% $100,000 - Learn MoreShow Less
6 Mo CD
0.30% $500 $99,999 Learn MoreShow Less
6 Mo CD
0.50% $100,000 - Learn MoreShow Less
12 Mo CD
0.75% $500 $99,999 Learn MoreShow Less
12 Mo CD
0.95% $100,000 - Learn MoreShow Less
18 Mo CD
0.90% $500 $99,999 Learn MoreShow Less
24 Mo CD
0.90% $500 $99,999 Learn MoreShow Less
24 Mo CD
1.25% $100,000 - Learn MoreShow Less
30 Mo CD
1.00% $500 $99,999 Learn MoreShow Less
1.11% $500 $99,999 Learn MoreShow Less
36 Mo CD
1.50% $100,000 - Learn MoreShow Less
1.21% $500 $99,999 Learn MoreShow Less
1.51% $500 $99,999 Learn MoreShow Less
60 Mo CD
1.75% $100,000 - Learn MoreShow Less

Fixed IRA
1.06% $500 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.50% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 - Learn MoreShow Less

Loan Rates - December 13, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Victory State Bank

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

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.625% 3.625% -0.13 ($252) $1,141 Learn More
First Internet Bank
NMLS ID: 424182
3.625% 3.625% 0.00 ($62) $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

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

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Victory State Bank Locations

Financial Details

Victory State Bank Ratio Analysis

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

Texas Ratio
Victory State Bank U.S. Bank Average
4.5% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Victory State Bank had $1,689,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $35,856,000 in equity and $1,672,000 in loans loss reserves. That gives it a Texas Ratio of 4.5%.

Return on Equity
Victory State Bank U.S. Bank Average
8.92% 9.50%

Victory State Bank has a Return on Equity of 8.92% versus the BestCashCow average of 9.50%. 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.

Victory State Bank U.S. Bank Average
9.04% 12.76%

Victory State Bank has a Capitalization of 9.04% versus the BestCashCow average of 12.76. 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.

Victory State Bank Balance Sheet Analysis

As of June 30, 2019, Victory State Bank had assets of $396,510,000, loans of $153,193,000, and deposits of $333,518,000. 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.

Summary Balance Sheet

June 30, 2019
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.03 billion
Total securities $0.19 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.15 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.36 billion
Total deposits $0.33 billion
      Interest-bearing deposits $0.19 billion
      Deposits held in domestic offices $0.33 billion
      % insured (estimated) 54.22%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.36 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Victory State Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Construction and Development Loans.

Compared to other banks in New York, Victory State Bank has a significantly higher percent of Small Business Loans, Construction and Development Loans, Commercial Real Estate 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 10.22
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 29.34
Construction and Development Loans 13.69
Commercial Real Estate 61.14
Commercial and Industrial Loans 13.01
Farm Loans 0.00

Frequently Asked Questions About Victory State Bank

Branches and Savings

Is Victory State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34565.

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

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

Why are Victory State Bank CD rates not competitive?

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

Is Victory State Bank a commercial bank?


Where are Victory State Bank locations?

See branch locations nearby.

Is Victory State Bank open on Saturdays?

Is Victory State Bank open on Sundays?

What time does Victory State Bank open?

What time does Victory State Bank close?

Are Victory State Bank ATMs Open 24/7?

Do Victory State Bank ATMs accept cash deposits?

Can Victory State Bank customers use other ATMs?

Do Victory State Bank branches have notaries?

Will Victory State Bank notarize my document?

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

Will the Victory State Bank branch print checks?

Do Victory State Bank checks expire?

Does Victory State Bank require US citizenship to open account?

Can Victory State Bank close my account?

Does Victory State Bank Report to credit bureaus?

Does Victory State Bank Use Equifax?

What is Victory State Bank's ACH Routing Number?

What is Victory State Bank's SWIFT code?


Does Victory State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Victory State Bank offer personal loans?

Compare personal loan rates here.

Does Victory State Bank offer student loans?

Will Victory State Bank cash a check?

Will Victory State Bank redeem a savings bond?

Does Victory State Bank cash savings bonds?

Will Victory State Bank cash money orders?

Can Victory State Bank issue a money order?

Does Victory State Bank do currency exchange?

Background on The Bank

Who owns Victory State Bank?

How long has Victory State Bank been around?

Can Victory State Bank transfer to other banks?

Does Victory State Bank have quick pay?

Does Victory State Bank accept rolled coins?

Will Victory State Bank accept loose change?

Where is Victory State Bank headquarters?

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