Vantage Bank Texas: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 5.3% to $4.46B. On CET1 ratio, Vantage Bank Texas is 5th from the bottom among 184 Texas banks, 10.13% (Q2 2026). Vantage Bank Texas reported 10.13% on CET1 ratio for Q2 2026, 3.35 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.13% |
| Tier 1 risk-based capital ratio | 10.13% |
| Total risk-based capital ratio | 11.38% |
| Tier 1 leverage ratio | 9.02% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $451.4M |
| Tier 1 capital | $451.4M |
| Total risk-based capital | $507.1M |
| Total equity capital | $439.7M |
| Risk-weighted assets | $4.46B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.56% |
| Tangible equity to tangible assets | 8.50% |
| Equity capital to average assets | 8.78% |
| Internal capital growth rate | 5.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.4M |
| Common stock surplus | $310.5M |
| Retained earnings | $141.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.59% | 10.59% | 11.84% | 9.76% | $3.48B |
| Q4 2023 | 11.17% | 11.17% | 12.41% | 10.28% | $3.43B |
| Q1 2024 | 11.22% | 11.22% | 12.48% | 9.88% | $3.44B |
| Q2 2024 | 11.45% | 11.45% | 12.71% | 9.14% | $3.43B |
| Q3 2024 | 11.60% | 11.60% | 12.81% | 8.89% | $3.46B |
| Q4 2024 | 11.60% | 11.60% | 12.82% | 8.88% | $3.51B |
| Q1 2025 | 11.42% | 11.42% | 12.67% | 9.23% | $3.58B |
| Q2 2025 | 10.86% | 10.86% | 12.11% | 8.89% | $3.81B |
| Q3 2025 | 10.53% | 10.53% | 11.78% | 8.79% | $4.02B |
| Q4 2025 | 10.76% | 10.76% | 12.01% | 8.88% | $4.10B |
| Q1 2026 | 10.53% | 10.53% | 11.79% | 9.07% | $4.23B |
| Q2 2026 | 10.13% | 10.13% | 11.38% | 9.02% | $4.46B |
Vantage Bank Texas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Vantage Bank Texas, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Vantage Bank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3405) · FFIEC NIC profile (RSSD 26765)