Vantage Bank Texas: how it compares with its peers
Against 30 TX banks with half to twice its assets, Vantage Bank Texas's strongest measure in Q2 2026 is return on assets (1.64% vs. a 1.53% peer median). Its weakest relative measure is efficiency ratio (55.48% vs. 57.47%).
| Measure | Vantage Bank Texas | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.64% | 1.53% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.96% | 3.77% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.48% | 57.47% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.7M | $9.1M | Middle third Ahead of 59% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.75% | 77.00% | Context |
What it means for lending operations
Its efficiency ratio of 55.48% is better than the 57.47% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- City Bank Lubbock, TX · $5.39B
- Broadway National Bank San Antonio, TX · $5.42B
- The American National Bank of Texas Terrell, TX · $5.51B
- First National Bank Texas Killeen, TX · $4.64B
- VeraBank, National Association Henderson, TX · $4.58B
- International Bank of Commerce Brownsville, TX · $4.56B
Questions about Vantage Bank Texas
How big is Vantage Bank Texas?
Vantage Bank Texas, established in 1923, is headquartered in San Antonio, TX. It reported $5.14B in total assets in its Q2 2026 FDIC call report and operates 23 offices.
What is Vantage Bank Texas's return on assets?
1.64% annualized in Q2 2026, against a 1.53% median for 30 TX banks with half to twice its assets, ahead of 67% of them.
What is Vantage Bank Texas's efficiency ratio?
55.48% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 57.47%, and lower is better.
Is Vantage Bank Texas growing its loans?
Net loans grew 14.8% over the year to Q2 2026, while deposits grew 8.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.