Vantage Bank Texas
Vantage Bank Texas reported total assets of $5.1 bn at Q2 2026, up 8.9% on a year earlier, the 283rd largest of 497 banks in our US coverage. The CET1 capital ratio at Vantage Bank Texas was 10.13%, and the uninsured share of Vantage Bank Texas was 48.74%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Vantage Bank Texas slipped from 83rd to 331st among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Vantage Bank Texas reports one of the lowest common equity tier 1 (CET1) ratio readings among banks of $1 bn to $10 bn: 10.13% at , where the median of the 287 banks is 13.22% (FDIC Call Reports).
- At 18.91%, the return on equity (ROE) of Vantage Bank Texas sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 12.68% (FDIC Call Reports).
What sets Vantage Bank Texas apart
- Since , Vantage Bank Texas has taken over one institution; the latest was Inter National Bank on .
How large is Vantage Bank Texas?
The balance sheet of Vantage Bank Texas at : assets $5.1 bn, deposits $4.6 bn, net loans $4.1 bn (loans equal to 87.75% of deposits). Securities make up 2.7% of total assets at Vantage Bank Texas. Since , when Vantage Bank Texas held $475.5 mn, its assets grew 980.5%. In the year to , deposits at Vantage Bank Texas rose 8.5% while its total assets rose 8.9%. At , Vantage Bank Texas employed 530 full-time equivalent staff across 23 offices, about $9.7 mn of assets per employee and $201.6 mn of deposits per office.
How much funding at Vantage Bank Texas is uninsured?
At Vantage Bank Texas, uninsured deposits (above the FDIC limit) made up 48.74% of domestic deposits at (+3.09 pp on a year earlier); Vantage Bank Texas ranks 94th of 500 on this measure. In dollars, Vantage Bank Texas estimated $2.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.6 bn | +8.5% | 263rd of 499 |
| Net loans and leases | $4.1 bn | +14.8% | 256th of 500 |
| Loan-to-deposit ratio | 87.75% | +4.78 pp | 239th of 500 |
| Tier 1 leverage ratio | 9.02% | +0.12 pp | 429th of 500 |
| Total risk-based capital ratio | 11.38% | -0.73 pp | 439th of 448 |
| Net interest margin | 3.96% | +0.29 pp | 150th of 500 |
| Return on assets (ROA) | 1.64% | +0.22 pp | 115th of 500 |
| Efficiency ratio | 55.48% | -3.32 pp | 241st of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $15.1 mn | Narrowed by $4.0 mn | |
| Noncurrent loans to total loans | 0.87% | +0.67 pp | 331st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.31% | +0.27 pp | 402nd of 500 (1 = lowest) |
US rank of Vantage Bank Texas: 1 = highest unless marked 1 = lowest.
Balance sheet
Vantage Bank Texas: assets, deposits and loans
- Total assets $5.1bn
- Deposits $4.6bn
- Net loans $4.1bn
Capital and securities
The CET1 ratio of Vantage Bank Texas stood at 10.13% in , -0.73 pp year on year. Low and high at Vantage Bank Texas since : 10.13% () to 16.71% (). Equity capital of Vantage Bank Texas at : $439.7 mn, or 8.6% of total assets. Vantage Bank Texas also reported a total capital ratio of 11.38% for , and a tier 1 leverage ratio of 9.02%.
The available-for-sale portfolio of Vantage Bank Texas showed an unrealized loss of $15.1 mn at ; the loss narrowed by $4.0 mn over the year.
Vantage Bank Texas: capital ratios
- Total capital 11%
- CET1 10%
- Tier 1 leverage 9.0%
Vantage Bank Texas: unrealized securities gains and losses
- Available for sale -$15mn
- Held to maturity $0
Profitability and loan quality
For the year to , Vantage Bank Texas earned a return on equity of 18.91%; return on assets: 1.64%. Net interest margin at Vantage Bank Texas: 3.96%, +0.29 pp in a year. Vantage Bank Texas net income: $41.0 mn, up 26.7% year on year. The efficiency ratio of Vantage Bank Texas was 55.48%: about 55 cents cost per revenue dollar, against 50 cents at the median peer.
At , noncurrent loans were 0.87% of total loans at Vantage Bank Texas; net charge-offs: 0.31% of average loans. Gross loans and leases at Vantage Bank Texas: $4.1 bn, up 14.7% in a year.
Vantage Bank Texas: profitability
- Return on equity 19%
- Net interest margin 4.0%
- Return on assets 1.6%
Peer group of Vantage Bank Texas
The peer group of Vantage Bank Texas is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Vantage Bank Texas (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Texas. Against them, Vantage Bank Texas shows CET1 ratio 10.13% against a peer median of 13.30%, return on equity 18.91% against a peer median of 14.60% and uninsured deposit share 48.74% against a peer median of 29.38%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Northeast Bank | State nonmember bank | ME | $5.2 bn | 13.46% | 22.56% | 4.05% | |
| Southern Bank | State member bank | MO | $5.2 bn | 12.12% | 14.63% | 18.89% | |
| Barrington Bank & Trust Company | National bank | IL | $5.2 bn | 10.91% | 12.04% | 23.07% | |
| Vantage Bank Texas | State member bank | TX | $5.1 bn | 10.13% | 18.91% | 48.74% | |
| First National Bank Alaska | National bank | AK | $5.1 bn | 18.52% | 14.56% | 38.98% | |
| Community Bank of Mississippi | State nonmember bank | MS | $5.1 bn | 13.15% | 13.33% | 35.68% | |
| Bank of Stockton | State nonmember bank | CA | $5.0 bn | 18.81% | 32.23% | 45.23% | |
. FDIC Call Reports.
Last eight quarters
Two years at Vantage Bank Texas, to : assets +12.4%, deposits +16.2%, equity +15.3%. Staff 485 to 530.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.6 bn | $4.6 bn | $4.4 bn | $4.7 bn | $4.9 bn | $4.9 bn | $4.9 bn | $5.1 bn |
| Total deposits | $4.0 bn | $4.1 bn | $4.0 bn | $4.3 bn | $4.5 bn | $4.5 bn | $4.4 bn | $4.6 bn |
| Bank equity capital | $381.4 mn | $381.5 mn | $388.8 mn | $393.9 mn | $408.5 mn | $426.4 mn | $434.7 mn | $439.7 mn |
| CET1 ratio | 11.60% | 11.60% | 11.42% | 10.86% | 10.53% | 10.76% | 10.53% | 10.13% |
| Return on equity (ROE) | 19.17% | 18.41% | 15.02% | 16.68% | 17.37% | 18.01% | 19.15% | 18.91% |
| Uninsured share of domestic deposits | 45.16% | 45.81% | 47.27% | 45.65% | 46.00% | 47.60% | 47.10% | 48.74% |
| Full-time equivalent employees | 485 | 492 | 494 | 503 | 511 | 508 | 510 | 530 |
| Number of offices | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 23 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Vantage Bank Texas, oldest first; figures before and after each event are not like for like.
- . Absorbed Inter National Bank (FDIC certificate 25879).
Large one-quarter moves at Vantage Bank Texas
- Total assets at Vantage Bank Texas changed by +259.1% in the quarter to 2018-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Inter National Bank.
Questions and identifiers
What were the total assets of Vantage Bank Texas?
Vantage Bank Texas reported $5.1 bn at in its Call Report. That makes Vantage Bank Texas the 283rd largest of 497 banks in our US coverage.
Is Vantage Bank Texas the same as its holding company?
No. This page covers Vantage Bank Texas, FDIC certificate 3405; VBT FINANCIAL CORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Vantage Bank Texas profitable?
Vantage Bank Texas reported net income of $41.0 mn for the year to ; annualized return on equity: 18.91%. So yes: Vantage Bank Texas made a profit over these months.
When is data for Vantage Bank Texas next updated?
Figures from Vantage Bank Texas for are due after .
Where can I check the figures for Vantage Bank Texas?
In the FDIC BankFind Suite record for certificate 3405, and in the Call Reports of Vantage Bank Texas (RSSD ID 26765) at the FFIEC Central Data Repository.