Vantage Bank Texas: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.98 percentage points lower than in Q1 2026, at 102.68%. Within Texas, Vantage Bank Texas is 138th of 345 on return on assets, 1.63% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Vantage Bank Texas sits 0.35 points higher, at 1.63% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.13% |
| Tier 1 risk-based capital ratio | 10.13% |
| Total risk-based capital ratio | 11.38% |
| Tier 1 leverage ratio | 9.02% |
| Equity capital to assets | 8.56% |
| Tangible equity to tangible assets | 8.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.24% |
| Non-performing assets ratio | 1.02% |
| Net charge-off ratio | 0.62% |
| Texas ratio | 11.16% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 102.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.63% |
| Return on equity | 18.66% |
| Net interest margin | 3.99% |
| Efficiency ratio | 53.94% |
| Yield on earning assets | 5.88% |
| Cost of funds | 2.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.88% |
| Core deposits to total deposits | 86.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.27% |
| Securities to assets | 2.75% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.59% | 10.59% | 11.84% | 9.76% | 1.72% |
| Q4 2023 | 11.17% | 11.17% | 12.41% | 10.28% | 2.16% |
| Q1 2024 | 11.22% | 11.22% | 12.48% | 9.88% | 1.81% |
| Q2 2024 | 11.45% | 11.45% | 12.71% | 9.14% | 1.79% |
| Q3 2024 | 11.60% | 11.60% | 12.81% | 8.89% | 1.39% |
| Q4 2024 | 11.60% | 11.60% | 12.82% | 8.88% | 1.34% |
| Q1 2025 | 11.42% | 11.42% | 12.67% | 9.23% | 1.31% |
| Q2 2025 | 10.86% | 10.86% | 12.11% | 8.89% | 1.54% |
| Q3 2025 | 10.53% | 10.53% | 11.78% | 8.79% | 1.57% |
| Q4 2025 | 10.76% | 10.76% | 12.01% | 8.88% | 1.67% |
| Q1 2026 | 10.53% | 10.53% | 11.79% | 9.07% | 1.68% |
| Q2 2026 | 10.13% | 10.13% | 11.38% | 9.02% | 1.63% |
Vantage Bank Texas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Vantage Bank Texas, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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.
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