Total Assets
$29M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$27M
Customer-funded liabilities
Net Loans
$14M
Outstanding loan book
Net Income
$-1,786K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
0th percentile nationally
-5.53%
Return on Equity (ROE)
-80.57%
Efficiency Ratio
170.01%
What the numbers say about Bank of Vici
Bank of Vici is an FDIC-insured institution (Certificate #420) headquartered in Vici, Oklahoma, established in 1902. It holds $29M in total assets - 4,241st of 4,313 FDIC-insured banks, $27M in customer deposits, and $14M in net loans. Its capital position: a Tier 1 ratio of 9.90%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 18.93% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of F (28 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of Vici is a community-scale institution -- 167th of 172 FDIC-insured banks headquartered in Oklahoma by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$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.
Top banks in Oklahoma by total assets
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.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Bank of Vici's health grade?▼
Bank of Vici receives a health grade of F (28/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Bank of Vici?▼
Bank of Vici holds $29M in total assets and $27M in deposits, ranking 4,241st of 4,313 FDIC-insured banks by asset size. It is headquartered in Vici, Oklahoma.
Is my money safe at Bank of Vici?▼
Yes, deposits at Bank of Vici (Certificate #420) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Vici's Tier 1 Capital Ratio?▼
Bank of Vici has a Tier 1 Capital Ratio of 9.90%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Bank of Vici?▼
Bank of Vici has a Texas Ratio of 18.93%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Vici?▼
Bank of Vici has an Efficiency Ratio of 170.01%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Vici's profile as a depositor or analyst.
- Bank of Vici's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Vici against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.