VANTAGE BANK TEXAS

SAN ANTONIO, TX | Large | Est. Nov. 6, 1923, midnight | FDIC #3405 | RSSD #26765 | FED
Latest Report: 2025-12-31

VANTAGE BANK TEXAS is aln large FDIC-insured commercial bank headquartered in SAN ANTONIO, TX, established in Nov. 6, 1923, midnight. As of 2025-12-31, the bank reported total assets of $4.9B and total deposits of $4.5B. Profitability stands at 1.69% ROA and 19.92% ROE, with a net interest margin of 4.12%. The bank's CET1 capital ratio is 10.76%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.71% and a Texas Ratio of 6.01%. FDIC Certificate #3405.

Assets

$4.9B

Deposits

$4.5B

Loans

$3.8B

Equity

$426M

Profitability

Return on Assets (ROA) 1.69%
Return on Equity (ROE) 19.92%
Net Interest Margin (NIM) 4.12%
Yield on Assets 6.36%
Cost of Funds 3.71%

Asset Quality

NPL Ratio 0.71%
Net Charge-Off Ratio 0.04%
Texas Ratio 6.01%
NPA Ratio 0.58%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 10.76%
Tier 1 Capital 10.76%
Total Capital Ratio 12.01%
Leverage Ratio 8.88%
Loan-to-Deposit 85.24%

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