Vantage Bank Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Vantage Bank Texas of San Antonio, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.63% | 1.46% | +0.17% | 73rd above |
| ROAE | 18.66% | 12.70% | +5.96% | 86th top |
| Net Interest Margin | 3.99% | 3.85% | +0.14% | 68th above |
| Efficiency Ratio | 53.94% | 57.41% | -3.47% | 63rd above |
| PPNR / Avg Assets | 2.03% | 1.88% | +0.15% | 70th above |
| Yield on Earning Assets | 5.88% | 5.72% | +0.16% | 70th above |
| Cost of Funds | 2.03% | 2.02% | +0.01% | 49th below |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.10% | 3.18% | -0.08% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.24% | 1.00% | +0.24% | 26th below |
| NPA / Total Assets | 1.02% | 0.76% | +0.26% | 24th bottom |
| NCO / Avg Loans | 0.62% | 0.43% | +0.19% | 7th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.31% | -0.04% | 67th above |
| ACL / NPLs (Coverage) | 102.68% | 544.25% | -441.57% | 31st below |
| Texas Ratio | 11.16% | 7.38% | +3.78% | 20th bottom |
| Provision / NCO | 141.89% | 619.73% | -477.84% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.13% | 17.35% | -7.22% | 2nd bottom |
| Tier 1 Ratio | 10.13% | 17.39% | -7.26% | 2nd bottom |
| Total Capital Ratio | 11.38% | 18.44% | -7.06% | 3rd bottom |
| Leverage Ratio | 9.02% | 11.44% | -2.42% | 12th bottom |
| Equity / Assets | 8.56% | 11.34% | -2.78% | 13th bottom |
| TCE / Tangible Assets | 8.50% | 10.50% | -2.00% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.88% | 86.95% | +1.93% | 48th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.92% | 85.55% | +1.37% | 41st below |
| Uninsured Deposit Ratio | 48.74% | 33.09% | +15.65% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.89% | 9.68% | -0.79% | 71st above |
| Loan Growth (Y/Y) | 14.73% | 8.04% | +6.69% | 85th top |
| Deposit Growth (Y/Y) | 8.52% | 7.87% | +0.65% | 70th above |
See Vantage Bank Texas's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Vantage Bank Texas, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Vantage Bank Texas profile, how to read a UBPR, or how this data updates.