Vantage Bank Texas
San Antonio, Texas, Bexar County
$5.1B in total assets, the 293rd largest of 4,309 US banks and 21st of 352 headquartered in Texas.
- FDIC certificate
- 3405
- Established
- 1923
- Owned by
- Vbt Financial Corp Inc
- Primary regulator
- FED
- Website
- www.vantage.bank
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $5.1B | 91% | $2.2B | |
| Loans | $4.1B | 95% | $1.3B | |
| Deposits | $4.6B | 92% | $1.7B | |
| Return on assets | 1.64% | 66% | 1.53% | |
| Net interest margin | 3.96% | 52% | 3.95% | |
| Efficiency ratio | 55.5% | 40% | 57.5% | |
| Equity to assets | 8.56% | 13% | 10.77% | |
| Loans to deposits | 89% | 75% | 80% |
Growth
Total assets grew 13.0% a year over the last 5 years and 26.9% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2018 | Inter National Bank Mcallen, TX | $1.4B |
| Oct 2014 | D'Hanis State Bank D Hanis, TX | $46M |
Where they operate
23 branches in 9 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Hidalgo County, TX | $1.7B | 10.8% | 3 of 20 |
| Tarrant County, TX | $840M | 1.3% | 14 of 74 |
| Bexar County, TX | $623M | 0.4% | 15 of 50 |
| El Paso County, TX | $606M | 5.3% | 6 of 16 |
| Harris County, TX | $430M | 0.1% | 44 of 87 |
| Webb County, TX | $206M | 2.3% | 9 of 10 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 16 branches since 2016 (7 to 23, +228.6%). 4 opened, 20 acquired, 8 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2016 | Closed D Hanis | 0 | 1 | −1 | 6 |
| 2018 | Acquired Inter National Bank | 20 | 0 | +20 | 26 |
| 2019 | Opened Fort WorthClosed Fort Worth and Laredo | 2 | 2 | 0 | 26 |
| 2020 | Opened Fort WorthClosed 3 in Texas | 1 | 3 | −2 | 24 |
| 2021 | Closed Mission | 0 | 1 | −1 | 23 |
| 2022 | Closed Mcallen | 0 | 1 | −1 | 22 |
| 2023 | Opened Houston | 1 | 0 | +1 | 23 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 37% | 39% | |
| Business (C&I) | 28% | 15% | |
| 1-4 family residential | 14% | 20% | |
| Construction and land | 13% | 13% | |
| Farmland | 3% | 3% | |
| Multifamily | 2% | 4% | |
| Consumer | 0% | 2% | |
| Agricultural | 0% | 1% | |
| Other | 2% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 52% | 48% | |
| Noninterest-bearing | 27% | 26% | |
| Time deposits | 20% | 26% |
Brokered deposits are 0.0% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.84% | 0.42% |
| Net charge-offs, annualized | 0.31% | 0.04% |
| Reserves to loans | 1.27% | 1.20% |
| Leverage ratio | 9.02% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Hidalgo County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/vantage-texas