FDIC Cert #420 · Vici, Oklahoma · Est. 1902

Bank of Vici - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$29M
Total assets
F
Health grade · At Risk
-5.53%
Return on assets
9.9%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Vici earns a PlainBankData health grade of F (28/100), with 9.90% Tier 1 capital, -5.53% ROA, 170% efficiency ratio.

#4,241
largest of 4,313 FDIC banks by assets
2nd
percentile by asset size, nationally
9.90%
Tier 1 ratio - below the 10% well-capitalized line
0th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 420 · OK F · 28/100

GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-F F (28/100)
  • BOTTOM-DECILE #4280/4307
  • PHOTO-FINISH The Lemont National… · IL
  • TIER1-ADEQ 9.9% Tier 1
  • TEXAS-HEALTHY 18.9% Texas
  • ROA-LOSS -5.53% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: The Lemont National Bank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Vici

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Vici · OK · this bank28/100Grand Rivers Communi… · IL ·…28/100Lamont Bank of St. J… · WA ·…28/100The Lemont National… · IL · …28/100Unity Bank · WI · near28/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Vici · July 2026

What Bank of Vici's Call Report plate shows

Bank of Vici (FDIC Cert #420) carries a PlainBankData health grade of F at 28/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,280 of 4,307. Tier 1 capital prints at 9.90%, missing the 10% well-capitalized line. The Texas Ratio is 18.93%, inside the sub-50% band analysts treat as healthy. Return on assets is -5.53%. Balance-sheet scale is $29M, 4,241st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Lemont National Bank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Vici

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

Bank of Vici's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bank of Vici remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

How Bank of Vici's 28/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10028/100
Bank of Vici's composite health score
Tier 1 Capital Ratio (9.90%) 18/40
Return on Assets (ROA) (-5.53%) 0/25
Texas Ratio (18.93%) 10/20
Efficiency Ratio (170.01%) 0/15

28 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$29M

Total balance-sheet footings

Total Deposits

$27M

Customer-funded liabilities

Net Loans

$14M

Outstanding loan book

Net Income

$-1,786K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.5% 9.9% 11.3%
Basel III capital ratios - Bank of Vici

Where Bank of Vici ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Vici's score of 28/100 falls in the highlighted band.

Bank of Vici: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

28 1st percentile higher than 1% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). This entry sits in this band. 30–40: 36 FDIC-insured banks (1%). Above this entry. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Vici 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Vici's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Vici's $29M falls in the highlighted band.

Safety ratios for Bank of Vici

Tier 1 capital ratio
Well-capitalized 10%

9.90% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.90%
Texas Ratio
18.93%
Equity Capital
$2M

What these ratios mean →

Profitability metrics: Bank of Vici

Return on Assets (ROA)
0th percentile nationally
-5.53%
Return on Equity (ROE)
-80.57%
Efficiency Ratio
170.01%

What these mean →

Income & expense: loss period at Bank of Vici

$2M
Interest Income
$260K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Vici reports a Texas Ratio of 18.93% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

18.93% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Bank of Vici

Bank of Vici's grade of F reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-1,786K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 9.90% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Bank of Vici up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Bank of Vici on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($29M here), outside Oklahoma so the neighborhood is not state containment.

Minnesota First Credit and Savings, I… $29M · MN First State Bank of St. Peter $29M · IL St. Martin National Bank $28M · MN The First National Bank of Fleming $30M · CO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Vici (FDIC Cert #420) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Vici Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
BOKF, National AssociationTulsa $52.0B A 1.10%
MidFirst BankOklahoma City $41.4B B 1.19%
First United Bank and Trust CompanyDurant $16.3B B 0.97%
BancFirstOklahoma City $12.1B A 1.79%
InterBankOklahoma City $5.5B B 3.60%
Stride Bank, National AssociationEnid $4.9B A 2.10%
RCB BankClaremore $4.1B A 1.32%
First Fidelity BankOklahoma City $2.9B B 0.94%