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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Vantage Bank Texas

San Antonio, Texas · $5.14B in assets · beside the 11 other Texas banks between $3B and $10B

The filing

314.1%
CRE / capital
11th of 12
1.64%
ROA
3rd of 12
88.9%
Loans / deposits
9th of 12

Vantage Bank Texas is the fifth largest of the 12 Texas banks nearest its size between $3B and $10B, with $5.14B in assets at 30 June 2026. Loans are 88.9% of deposits, 9th of 12 against a median of 71.8%, and equity is 8.6% of assets, 9th of 12. Loans grew +14.7% in the year, 4th of 12, and deposits grew 8.5%; the cohort's median loan growth is +3.8%.

Noncurrent loans are 0.87% of the book, 8th of 12 against a median of 0.55%; 0.47% is 30 to 89 days past due, and the allowance covers them 1.5 times. Net charge-offs are 0.30% of loans, 10th of 12. Commercial real estate is 38.7% of loans, 6th of 12 against a median of 38.8%, and 314% of capital, above the 300% screen, with construction at 109% against the 100% screen.

Return on assets is 1.64%, 3rd of 12 against a median of 1.46%, on an efficiency ratio of 55.5%, 4th of 12. Five years ago it was 1.11%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 13.6% of loans).

Commercial real estate against capital, the 300% screenTX banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 221% TE Texas Exchange Bank 23% IB International Bank of Com 128% CC Cornerstone Capital Bank SSB 147% VN Verabank National Association 166% BN Broadway National Bank 176% FN First National Bank Texas 206% TC Third Coast Bank 236% CB City Bank 239% AN American National Bank of Texas 251% TB Texas Bank & Trust Co. 270% VB Vantage Bank Texas 314% IN Inwood National Bank 325%
Loans, year over yearTX banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.8% CC Cornerstone Capital Bank SSB +67.5% TC Third Coast Bank +33.3% CB City Bank +21.4% VB Vantage Bank Texas +14.7% FN First National Bank Texas +6.9% AN American National Bank of Texas +4.8% IB International Bank of Com +2.7% IN Inwood National Bank +1.7% VN Verabank National Association -1.5% TB Texas Bank & Trust Co. -1.7% BN Broadway National Bank -10.7% TE Texas Exchange Bank -23.7%

SBA 7(a), FY2008 to FY2026

Vantage Bank Texas is the 170th largest 7(a) lender into Texas of 706, with $36M across 83 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 12 of its 13 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Hidalgo, TX$15M5th of 944.3%-6.0 pts
Bexar, TX$7M70th of 2370.3%quiet FY2021
Webb, TX$6M10th of 524.2%quiet FY2020
Douglas, NE$4M43rd of 1450.5%quiet FY2016
Cameron, TX$3M14th of 652.2%quiet FY2019
El Paso, TX$2M45th of 980.3%quiet FY2018
Denton, TX$2M134th of 2240.1%quiet FY2022
Kendall, TX$1M22nd of 511.2%quiet FY2017
Travis, TX$383K203rd of 2390.0%quiet FY2019
Kleberg, TX$227K10th of 141.4%quiet FY2018
La Salle, TX$216K6th of 62.7%quiet FY2015
Dona Ana, NM$183K49th of 570.1%quiet FY2019
Atascosa, TX$73K28th of 290.2%quiet FY2016
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services30$14M34.5%0.02%484th of 2,596
Real estate & leasing3$6M14.7%0.05%293rd of 1,452
Health care & social assistance13$4M10.1%0.01%625th of 2,172
Arts, entertainment & recreation1$4M9.9%0.03%412th of 1,656
Other services7$2M6.1%0.01%793rd of 2,248
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Vantage Bank Texas
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans VB Vantage Bank Texas 0.1% $36M · 83 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Vantage Bank TexasRankCohort median
Total CRE against capital, the 300% screen314%11th of 12221%
Construction against capital, the 100% screen109%11th of 1257%
Construction and land development, share of loans13.5%9th of 1211.1%
Non-owner-occupied nonfarm nonresidential, share of loans23.3%8th of 1222.2%
Total CRE, the guidance definition, share of loans38.7%6th of 1238.8%
CRE growth over 36 months, the third prong+11.3%5th of 12+24.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Third Coast Bank$6.73B1.3%57.9%0.50%-0.01%1.0%92.8%12.0%
American National Bank of Texas$5.51B0.7%74.8%0.23%0.03%1.3%73.9%6.0%
Broadway National Bank$5.42B1.8%57.9%0.19%0.13%1.1%65.3%9.1%
City Bank$5.39B1.4%60.7%0.25%0.05%1.4%80.1%11.1%
Vantage Bank Texas$5.14B1.6%55.5%0.87%0.30%1.3%88.9%8.6%
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Texas Bank & Trust Co.$4.34B1.6%54.7%0.61%0.01%1.2%91.5%12.9%
Inwood National Bank$4.26B1.6%38.2%0.37%0.41%0.9%67.7%11.6%
Cornerstone Capital Bank SSB$3.67B0.1%89.0%3.62%0.07%0.6%110.0%10.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Vantage Bank TexasCohort median
20212026Change20212026Change
Loans$2.05B$4.12B+101%$1.84B$2.99B+62%
Deposits$2.49B$4.64B+86%$3.02B$4.06B+34%
NPA / loans0.77%0.87%+0.11 pts0.39%0.55%+0.16 pts
Efficiency69.3%55.5%-13.9 pts65.7%57.9%-7.8 pts
ROA1.11%1.64%+0.52 pts1.26%1.46%+0.20 pts

This read was prepared for Vantage Bank Texas's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Vantage Bank Texas is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $3B to $10B
Institution www.vantage.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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