Vantage Bank Texas: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Vantage Bank Texas. Based in San Antonio, Texas, it had $5.1 billion in assets at June 30, 2026, up 8.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.84% of loans from 0.17% a year earlier. It holds common equity equal to 10.13% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also holds about half of its deposits (49%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
Net income for the quarter rose 14% from a year earlier, to $20 million. Over the same year, loans grew 14.7% and deposits grew 8.5%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.4 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Vantage Bank Texas reported a CET1 capital ratio of 10.13%, a return on assets of 1.63%, a nonperforming-loan ratio of 1.24% and a Texas ratio of 7.46%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 45 Ne Loop 410, San Antonio, TX 78216
- County
- Bexar
- Metro Area
- San Antonio-New Braunfels, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 6, 1923
- Former names
- Vantage Bank Texas, National Association (2012-2013); San Antonio National Bank (2007-2012)
- Offices
- 23 domestic
- Employees (FTE)
- 530
- Domestic deposits
- $4.64B
- Allowance for credit losses
- $52.3M
- Net charge-offs (YTD)
- $6.1M
- Average total assets
- $5.01B
- Average total loans
- $4.02B
- Average interest-bearing deposits
- $3.29B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3405
- Fed RSSD
- 26765
- Website
- www.vantage.bank →
- Parent Holding Company
- VBT FINANCIAL CORPORATION, INC (RSSD 5278381)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Vantage Bank Texas terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Vantage Bank Texas, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Vantage Bank Texas rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Vantage Bank Texas: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.13% | 1.63% | 1.24% | 7.46% | 3.99% |
| Q1 2026 | 10.53% | 1.68% | 1.17% | 5.98% | 3.88% |
| Q4 2025 | 10.76% | 1.67% | 1.29% | 6.20% | 3.88% |
| Q3 2025 | 10.53% | 1.57% | 2.56% | 6.45% | 3.74% |
| Q2 2025 | 10.86% | 1.54% | 1.92% | 2.11% | 3.68% |
| Q1 2025 | 11.42% | 1.31% | 2.15% | 2.57% | 3.62% |
| Q4 2024 | 11.60% | 1.34% | 2.24% | 3.03% | 3.51% |
| Q3 2024 | 11.60% | 1.39% | 0.76% | 3.24% | 3.42% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 23 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mcallen Branch | Mcallen , TX | 78503 | $1.04B |
| Camp Bowie Branch | Fort Worth , TX | 76107 | $718.7M |
| Vantage Bank Texas (main office) | San Antonio , TX | 78216 | $454.8M |
| Houston Sage Plaza Branch | Houston , TX | 77056 | $430.4M |
| El Paso Main | El Paso , TX | 79902 | $364.0M |
| Mcallen Branch | Mcallen , TX | 78501 | $283.7M |
| Stone Oak Branch | San Antonio , TX | 78258 | $168.4M |
| El Paso East Branch | El Paso , TX | 79936 | $140.9M |
| Fort Worth Branch | Fort Worth , TX | 76102 | $121.1M |
| Laredo Branch | Laredo , TX | 78041 | $117.2M |
| El Paso West Branch | El Paso , TX | 79912 | $101.5M |
| I-35 Laredo Branch | Laredo , TX | 78041 | $89.1M |
| Hondo Branch | Hondo , TX | 78861 | $78.5M |
| Texas Street Branch | Weslaco , TX | 78596 | $72.4M |
| Brownsville Branch | Brownsville , TX | 78521 | $64.1M |
| Shary Express #3 Branch | Mission , TX | 78572 | $59.5M |
| North Mcallen Branch | Mcallen , TX | 78504 | $58.3M |
| Refugio Branch | Refugio , TX | 78377 | $57.3M |
| Edinburg Branch | Edinburg , TX | 78539 | $57.1M |
| Mission Branch | Mission , TX | 78572 | $50.1M |
| Express Branch South Mcallen Branch | Mcallen , TX | 78503 | $47.4M |
| Sharyland Branch | Mission , TX | 78572 | $33.8M |
| East Mcallen Branch | Mcallen , TX | 78501 | $31.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 20, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 20, 2018 | Structure Change | Acquired Inter National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2014 | Structure Change | Acquired D'Hanis State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Vantage Bank Texas, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action March 19, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in TX, rank 34 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 383 applications, 285 loans originated, $167.3M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $280K approved, $280K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Vantage Bank Texas
What are Vantage Bank Texas's total assets?
As of the Q2 2026 filing, Vantage Bank Texas reported total assets of $5.14 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Vantage Bank Texas headquartered?
Vantage Bank Texas is headquartered in San Antonio, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Vantage Bank Texas founded?
Vantage Bank Texas was established in 1923, per the FDIC institution directory.
Is Vantage Bank Texas FDIC-insured?
Yes. Vantage Bank Texas is an FDIC-insured commercial bank (FDIC Certificate #3405). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Vantage Bank Texas?
Vantage Bank Texas's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Vantage Bank Texas's CET1 capital ratio?
Vantage Bank Texas reported a Common Equity Tier 1 (CET1) capital ratio of 10.13% in its Q2 2026 call report, above regulatory requirements.
How many branches does Vantage Bank Texas operate?
Vantage Bank Texas operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Vantage Bank Texas's Texas Ratio?
Vantage Bank Texas's Texas Ratio is 7.46% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Vantage Bank Texas previously called?
The charter now named Vantage Bank Texas has also operated as Vantage Bank Texas, National Association (2012-2013), San Antonio National Bank (2007-2012), per FDIC structure-change records.
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