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Vantage Bank Texas
San Antonio, TX · FDIC Certificate #3405 · Chartered 11/0
Total assets
$5.14B
Total deposits
$4.64B
Total equity
$439.69M
Net loans
$4.07B
Branches (offices)
23
Net income (YTD)
$41.00M
Rank: #285 of 4,213 U.S. banks by assets · #20 of 346 in Texas. Assets changed 8.9% and deposits 8.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.64% |
| Return on equity | 18.91% |
| Net interest margin (YTD) | 3.96% |
| Equity to assets | 8.56% |
| Tier 1 leverage ratio | 9.02% |
| Uninsured deposits (share of deposits) | 48.7% |
| Noncurrent loans (share of loans) | 0.87% |
| Net charge-offs (share of loans) | 0.31% |
| Loans to deposits | 87.7% |
| Real estate loans (share of loans) | 70.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.85B | 70.1% | |
| Commercial & industrial | $1.17B | 28.6% | |
| Consumer / individual | $12.69M | 0.3% | |
| Construction & development | $554.75M | 13.6% | |
| Agricultural | $1.33M | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.33B | $2.98B | $27.78M | $313.10M |
| Jun 2023 | $3.69B | $2.98B | $24.24M | $330.47M |
| Jun 2024 | $4.39B | $3.82B | $36.92M | $367.87M |
| Jun 2025 | $4.72B | $4.27B | $32.37M | $393.93M |
| Jun 2026 | $5.14B | $4.64B | $41.00M | $439.69M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $4.64B | 23 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.64B.
Similar-sized banks
Barrington Bank & Trust Company, National Association ($5.17B) · First National Bank Alaska ($5.12B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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