LIMERICK, PA — The Victory Bancorp Inc. (OTCQX: VTYB), parent company of The Victory Bank, reported fourth-quarter 2025 financial results showing higher loans and deposits compared with a year earlier, along with continued asset quality strength.
Net loans increased to $396.3 million at December 31, 2025, up from $391.0 million at December 31, 2024. Deposits rose to $412.2 million, compared with $397.1 million a year earlier.
Net interest income for the quarter totaled $3.82 million, up from $3.40 million in the fourth quarter of 2024. Interest expense declined to $3.56 million from $3.89 million in the prior-year period.
Net income for the quarter was $448,000, or $0.22 per basic share, compared with $557,000, or $0.28 per basic share, in the same period of 2024. The company said fourth-quarter results included approximately $350,000 in expenses related to a pending merger.
Stockholders’ equity increased to $32.2 million at year-end 2025, up from $29.3 million a year earlier. The company ended the year with no outstanding borrowings, compared with $15.4 million at December 31, 2024.
Total assets were $463.5 million at December 31, 2025.
Asset quality metrics improved, with nonperforming assets to total assets at 0.00%, compared with 0.05% at December 31, 2024. Net charge-offs to average loans were 0.01%, and the allowance for credit losses was 0.86% of total loans.
Joseph W. Major, bank leader, said the results reflect balance sheet management and continued client service.
Victory Bancorp is headquartered in Limerick Township, Montgomery County, and operates four offices across Montgomery and Berks counties. Additional information is available at VictoryBank.com.
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