Vantage Bank Texas
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Data as of · sourced from FFIEC call reports. How we update
Vantage Bank Texas is an FDIC-insured commercial bank headquartered in San Antonio, TX, established in 1923 (FDIC certificate 3405), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $5.14B, up 8.9% from Q2 2025, the 20th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 10.13% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 3405
- Headquarters
- San Antonio, TX
- Established
- 1923
- Total assets, Q2 2026
- $5.14B
- Assets vs Q2 2025
- +8.9%
- CET1 ratio, Q2 2026
- 10.13%
- Domestic offices
- 23 FDIC institution directory, current count
- Routing number
- 114915272
- Latest call report
- Q2 2026, FFIEC 051 · Vantage Bank Texas call report
- Holding company
- VBT FINANCIAL CORPORATION, INC
- Asset rank in state
- 20th of 346 in Texas
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 0.87% and a Texas ratio of 7.46%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Vantage Bank Texas is the 20th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.1% to $5.14B, loans rose 5.1% and deposits rose 4.4%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 28.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.3%. The FDIC Summary of Deposits lists 23 offices for it, in 12 cities in TX; its Mcallen 5 offices book 31% of its branch deposits. On its Q2 2026 call report, Vantage Bank Texas meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 23 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Vantage Bank Texas's total assets moved between a low of $3.65B (Q3 2023) and a high of $5.14B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.14B total assets against $4.72B; $4.70B total liabilities against $4.32B.
$4.07B net loans and leases against $3.55B; $4.64B total deposits against $4.27B.
$141.2M securities against $171.7M; $735.7M cash and balances due against $815.4M.
$71.3M total interest income against $67.2M; $23.0M total interest expense against $25.9M.
$48.3M net interest income against $41.3M.
$6.8M total noninterest income against $5.5M; $29.7M total noninterest expense against $26.2M.
$5.0M provision for credit losses against $2.7M.
$20.4M net income against $17.9M.
1.63% return on assets against 1.54%; 3.99% net interest margin against 3.68%.
10.13% CET1 capital ratio against 10.86%; 9.02% tier 1 leverage ratio against 8.89%.
Inside the full Vantage Bank Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 279 of 4,196, for total assets; its furthest is 2,084 of 2,134, for CET1 ratio.
Metric pages for Vantage Bank Texas: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.31% (Q1 2025) to 1.68% (Q1 2026) and its net interest margin ran from 3.42% (Q3 2024) to 3.99% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.13% | 1.63% | 0.87% | 7.46% | 3.99% |
| Q1 2026 | 10.53% | 1.68% | 0.72% | 5.98% | 3.88% |
| Q4 2025 | 10.76% | 1.67% | 0.76% | 6.20% | 3.88% |
| Q3 2025 | 10.53% | 1.57% | 0.75% | 6.45% | 3.74% |
| Q2 2025 | 10.86% | 1.54% | 0.21% | 2.11% | 3.68% |
| Q1 2025 | 11.42% | 1.31% | 0.27% | 2.57% | 3.62% |
| Q4 2024 | 11.60% | 1.34% | 0.33% | 3.03% | 3.51% |
| Q3 2024 | 11.60% | 1.39% | 0.39% | 3.24% | 3.42% |
Swipe the table sideways to see every column.
Branch Network
View all 23 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 441 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Vantage Bank Texas headquartered?
It is headquartered in San Antonio, TX, United States.
When was Vantage Bank Texas founded?
It was established in 1923, per the FDIC institution directory.
Is Vantage Bank Texas FDIC-insured?
Yes. It 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.
What is Vantage Bank Texas's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 7.46% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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