Vantage Bank Texas: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 71.1% lower than in Q1 2026, at $305K. Within Texas, Vantage Bank Texas is 59th of 346 on loan-to-deposit ratio, 88.88% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Vantage Bank Texas reported 88.88% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.12B |
| Net loans and leases | $4.07B |
| Loans held for sale | $305K |
| Loans to total assets | 80.23% |
| Loan-to-deposit ratio | 88.88% |
| Net loans to equity capital | 9.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.83% |
| Multifamily (5+ residential) | 1.94% |
| Commercial and industrial | 28.28% |
| Consumer | 0.31% |
| Credit cards | 0.00% |
| Farm | 2.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 338.76% |
| Construction concentration (Tier 1 capital + allowance) | 110.15% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.37% |
| Interest income on loans | $63.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.10B | $3.12B | 40.27% | 22.86% | 0.27% |
| Q4 2023 | $3.14B | $3.15B | 38.94% | 23.74% | 0.27% |
| Q1 2024 | $3.13B | $3.65B | 40.36% | 23.04% | 0.26% |
| Q2 2024 | $3.15B | $3.82B | 39.23% | 24.15% | 0.27% |
| Q3 2024 | $3.23B | $3.99B | 39.05% | 24.32% | 0.26% |
| Q4 2024 | $3.31B | $4.13B | 39.22% | 24.41% | 0.41% |
| Q1 2025 | $3.38B | $4.00B | 37.88% | 25.07% | 0.41% |
| Q2 2025 | $3.59B | $4.27B | 36.87% | 26.48% | 0.37% |
| Q3 2025 | $3.77B | $4.46B | 36.85% | 28.14% | 0.36% |
| Q4 2025 | $3.80B | $4.46B | 37.30% | 28.51% | 0.35% |
| Q1 2026 | $3.92B | $4.44B | 37.45% | 27.88% | 0.33% |
| Q2 2026 | $4.12B | $4.64B | 36.83% | 28.28% | 0.31% |
Vantage Bank Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Vantage Bank Texas, freeSource: Call Report Schedule RC-C, 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)