BlastPoint's Banking Scorecard

Vantage Bank Texas

$1B-$10B Specialty: Commercial TX FDIC cert 3405

San Antonio, TX

23 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits +8.5% year over year ($4.6B on the books).
Delinquency rate 0.88%.
Return on assets 1.64%.
Efficiency ratio 55.48% vs a 59.73% peer average.
Loan-to-deposit ratio 87.75% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

Vantage Bank Texas has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.25% above tier average
+ Net Interest Margin 0.09% above tier average
+ Efficiency Ratio 4.25% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 46.0% in tier

Get updates when Vantage Bank Texas releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$5.1B +8.9% YoY +4.1% QoQ	+$2.3B	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Top 14.0% in tier
Total Loans ?	$4.1B +14.8% YoY +5.1% QoQ	+$2.1B	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Top 11.5% in tier
Total Deposits ?	$4.6B +8.5% YoY +4.4% QoQ	+$2.3B	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Top 11.9% in tier
Return on Assets ?	1.64% +15.7% YoY -1.9% QoQ	+0.25%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	76%
Net Interest Margin ?	3.96% +7.8% YoY +0.9% QoQ	+0.09%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	66%
Efficiency Ratio ?	55.48% -5.6% YoY -2.8% QoQ	-4.25%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	62%
Delinquency Rate ?	0.88% +324.7% YoY +20.8% QoQ	+0.02%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	32%
Loan-to-Deposit Ratio ?	87.75% +5.8% YoY +0.7% QoQ	+2.71%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	49%
Non-Interest-Bearing Deposit Share ?	27.33% +2.2% YoY -0.2% QoQ	+6.06%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	78%
Nonperforming Asset Ratio ?	0.73% +232.4% YoY +20.5% QoQ	+0.06%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	31%
Tier 1 Capital Ratio ?	10.13% -6.7% YoY -3.9% QoQ	-4.71%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 6.8% in tier
Non-Interest Income / Assets ?	0.25% +9.5% YoY +107.1% QoQ	-0.28%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	41%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	27.3% +0.6pp YoY -0.1pp QoQ	+6.0pp	21.4%	29.2%	22.2%	77%
Brokered Deposits	n/a	n/a	9.5%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	28.6% +1.8pp YoY +0.4pp QoQ	+14.6pp	14.0%	14.8%	12.5%	90%
CRE	52.9% -3.1pp YoY -0.5pp QoQ	+2.9pp	50.0%	48.4%	41.4%	60%
1-4 Family	14.6% -0.4pp YoY -0.9pp QoQ	-11.8pp	26.4%	25.8%	31.3%	29%
Consumer	0.3% -0.1pp YoY 0.0pp QoQ	-4.4pp	4.7%	4.7%	5.0%	24%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	10.1% -0.7pp YoY -0.4pp QoQ	-5.5pp	15.6%	22.7%	19.7%	2%
Leverage Ratio	9.0% +0.1pp YoY -0.1pp QoQ	-2.3pp	11.3%	12.6%	12.6%	12%
Total Capital Ratio	11.4% -0.7pp YoY -0.4pp QoQ	-5.3pp	16.7%	23.8%	20.8%	3%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	530 +27 (+5.4%) YoY +20 (+3.9%) QoQ	+216	313	186	482	85%
Assets per Employee ($)	$9.7M +3.3% YoY +0.2% QoQ	-$789K	$10.5M	$10.1M	$8.8M	63%
Branch Count	23 0 YoY 0 QoQ	+3	20	12	18	72%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.3%	0.4%	61%
Nonaccrual	0.8% +0.7pp YoY +0.1pp QoQ	0.0pp	0.8%	1.0%	1.0%	68%
Allowance Coverage	1.45x -77.0% YoY -20.1% QoQ	-17.26x	18.71x	18.82x	20.23x	37%
Net Charge-off Rate (YTD)	0.3% +0.3pp YoY +0.3pp QoQ	0.0pp	0.3%	0.1%	0.2%	86%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	18.9% +2.2pp YoY -0.2pp QoQ	+6.3pp	12.6%	13.2%	11.6%	88%
Cost of Funds (YTD)	1.9% -0.4pp YoY 0.0pp QoQ	0.0pp	1.9%	1.6%	1.7%	50%
Net Income ($, YTD)	$41.0M +26.7% YoY — QoQ	+$21.8M	$19.2M	$15.9M	$40.4M	89%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#103 of 222 • Bottom 46.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.13%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

103

Total Loans

size

Value: $4.07B

Peer Median: $1.96B

#103 of 885 Top 11.5% in $1B-$10B

106

Total Deposits

size

Value: $4.64B

Peer Median: $2.32B

#106 of 885 Top 11.9% in $1B-$10B

125

Total Assets

size

Value: $5.14B

Peer Median: $2.79B

#125 of 885 Top 14.0% in $1B-$10B

200

Non-Interest-Bearing Deposit Share

funding

Value: 27.33%

Peer Median: 21.27%

#200 of 885 Top 22.5% in $1B-$10B

212

Return on Assets

profitability

Value: 1.64%

Peer Median: 1.39%

#212 of 885 Top 23.8% in $1B-$10B

Top Weaknesses (1 metrics)

826

Tier 1 Capital Ratio

capital

Value: 10.13%

Peer Median: 14.84%

#826 of 885 Bottom 6.8% in $1B-$10B