Vantage Bank Texas (FDIC certificate #3405) is based in San Antonio, Texas. Its Q2 2026 call report shows $5.1B in total assets and $4.6B in deposits and 23 offices.
Based on its Q2 2026 filing, Vantage Bank Texas scores 61/100, which we describe as moderate. That is higher than only 24% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 288th. Its strongest component is earnings (86/100; 1.64%), and its lowest is funding & liquidity (35/100; 88% loans-to-deposits, 49% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (66 → 61), mostly because the loan quality component weakened by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 67 |
| Q4 2024 | 67 |
| Q1 2025 | 65 |
| Q2 2025 | 66 |
| Q3 2025 | 61 |
| Q4 2025 | 61 |
| Q1 2026 | 63 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.14% |
| Q3 2024 | 8.89% |
| Q4 2024 | 8.88% |
| Q1 2025 | 9.23% |
| Q2 2025 | 8.89% |
| Q3 2025 | 8.79% |
| Q4 2025 | 8.88% |
| Q1 2026 | 9.07% |
| Q2 2026 | 9.02% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.39% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.75% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.87% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.80% |
| Q3 2024 | 1.66% |
| Q4 2024 | 1.58% |
| Q1 2025 | 1.29% |
| Q2 2025 | 1.42% |
| Q3 2025 | 1.47% |
| Q4 2025 | 1.53% |
| Q1 2026 | 1.67% |
| Q2 2026 | 1.64% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $5.1B | 9.02% | 0.87% | 1.64% | 87.7% |
| Q1 2026 | 63 | $4.9B | 9.07% | 0.72% | 1.67% | 87.2% |
| Q4 2025 | 61 | $4.9B | 8.88% | 0.76% | 1.53% | 84.1% |
| Q3 2025 | 61 | $4.9B | 8.79% | 0.75% | 1.47% | 83.6% |
| Q2 2025 | 66 | $4.7B | 8.89% | 0.21% | 1.42% | 83.0% |
| Q1 2025 | 65 | $4.4B | 9.23% | 0.27% | 1.29% | 83.4% |
| Q4 2024 | 67 | $4.6B | 8.88% | 0.33% | 1.58% | 79.0% |
| Q3 2024 | 67 | $4.6B | 8.89% | 0.39% | 1.66% | 79.9% |
| Q2 2024 | 67 | $4.4B | 9.14% | 0.60% | 1.80% | 81.2% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| City BankBank Lubbock, TX | 75 out of 100, Strong | $5.4B | 10.8% | 0.25% | vs |
| Broadway National BankBank San Antonio, TX | 79 out of 100, Strong | $5.4B | 10.9% | 0.19% | vs |
| The American National Bank of TexasBank Terrell, TX | 61 out of 100, Moderate | $5.5B | 8.8% | 0.23% | vs |
| First National Bank TexasBank Killeen, TX | 64 out of 100, Moderate | $4.6B | 9.1% | 1.23% | vs |
| VeraBank, National AssociationBank Henderson, TX | 72 out of 100, Strong | $4.6B | 11.0% | 0.96% | vs |
| International Bank of CommerceBank Brownsville, TX | 64 out of 100, Moderate | $4.6B | 14.5% | 9.17% | vs |
Deposit insurance
Is my money safe at Vantage Bank Texas?
Yes. Vantage Bank Texas is an FDIC-insured institution (FDIC certificate #3405). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 48.7% of deposits ($2.3B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.02%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.38% (benchmark: 10%).
23 locations
Branches
Vantage Bank Texas lists 23 offices in 12 cities. Most locations:
- Mcallen, TX (5)
- El Paso, TX (3)
- Mission, TX (3)
- Fort Worth, TX (2)
- Laredo, TX (2)
- San Antonio, TX (2)
- Brownsville, TX (1)
- Edinburg, TX (1)
- Hondo, TX (1)
- Houston, TX (1)
- Refugio, TX (1)
- Weslaco, TX (1)
HMDA 2025
Mortgage lending
In 2025, Vantage Bank Texas reported 381 home-loan applications under HMDA (LEI 549300PG87MHQ7H4CO08): 285 originated ($167,305,000 total), 36 denied, and 28 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Vantage Bank Texas
- Former names
- The First National Bank of Refugio; San Antonio National Bank; Vantage Bank Texas, National Association
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 3405
- RSSD ID
- 26765
- Primary regulator
- FED
- Holding company
- Vbt Financial Corp Inc
- Established
- November 6, 1923
- Headquarters
- 45 Ne Loop 410, San Antonio, TX 78216
- Website
- www.vantage.bank
- Employees
- 530
Quick answers
Vantage Bank Texas: common questions
Is Vantage Bank Texas FDIC insured?
Yes. Vantage Bank Texas is an FDIC-insured institution (FDIC certificate #3405). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Vantage Bank Texas's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Vantage Bank Texas ever failed?
There is no failure record for FDIC certificate #3405 in the FDIC failed bank list.
How many branches does Vantage Bank Texas have?
23 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near San Antonio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX | 93 out of 100, Very strong | $29.6M | 15.7% | 0.08% | vs |
| Schertz Bank & TrustBank Schertz, TX | 90 out of 100, Very strong | $770.1M | 15.2% | 0.05% | vs |
| Synergy Federal Credit UnionCredit union San Antonio, TX | 86 out of 100, Very strong | $334.2M | 15.8% | 0.29% | vs |
| H E B Federal Credit UnionCredit union San Antonio, TX | 86 out of 100, Very strong | $218.2M | 18.3% | 0.19% | vs |
| Falcon International BankBank Laredo, TX | 85 out of 100, Very strong | $2.2B | 13.4% | 0.00% | vs |
| Texas Community BankBank Laredo, TX | 84 out of 100, Strong | $2.2B | 12.8% | 0.20% | vs |