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Vantage Bank Texas
San Antonio, TX·FDIC Cert #3405·Charter: STATE·Est. 19231106.0·HC: VBT FINANCIAL CORP INC
Total Assets
$4.9B
Q4 2025
Return on Assets
1.53%
+0.06%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.81%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.53%+0.06
ROE
18.01%+0.64
Efficiency
56.81%-0.52
Equity/Assets
0.00%+0.00
NPL Ratio
0.77%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
84.13%+0.57
Charge-offs
0.04%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.8 | 1.8 | 1.7 | 1.6 | 1.3 | 1.4 | 1.5 | 1.5 |
| ROE | 19.8 | 20.5 | 19.2 | 18.4 | 15.0 | 16.7 | 17.4 | 18.0 |
| Efficiency | 57.7 | 55.0 | 54.9 | 57.0 | 61.8 | 58.8 | 57.3 | 56.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.6 | 0.4 | 0.3 | 0.3 | 0.2 | 0.8 | 0.8 |
| Charge-offs | 0.1 | 0.0 | 0.3 | 0.2 | 0.1 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 84.6 | 81.2 | 79.9 | 79.0 | 83.4 | 83.0 | 83.6 | 84.1 |
Balance Sheet
Total Assets$4.9B
Total Deposits$4.5B
Total Loans$3.7B
Total Equity$426.4M
Profitability
ROA1.53%
ROE18.01%
Efficiency Ratio56.81%
Net Income$72.0M
Risk & Asset Quality
NPL Ratio0.77%
Charge-off Rate0.04%
Loan/Deposit84.13%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans