BlastPoint's Banking Scorecard

Vantage Bank Texas

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

San Antonio, TX

23 branches across TX

884 banks in the $1B-$10B peer group nationally 80 in TX

Vantage Bank Texas shows strong momentum with 4 strengths and 11.3% YoY asset growth

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

+ Profitability Leader: Top 48.0% in tier
+ Net Interest Margin 0.11% above tier average
+ Efficiency Ratio 3.96% below tier average
+ Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Vantage Bank Texas releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$4.9B +11.3% YoY -0.0% QoQ	+$2.1B	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 14.8% in tier
Total Loans ?	$3.9B +16.0% YoY +3.3% QoQ	+$1.9B	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 12.9% in tier
Total Deposits ?	$4.4B +10.9% YoY -0.4% QoQ	+$2.1B	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 13.2% in tier
Return on Assets ?	1.67% +29.8% YoY +9.3% QoQ	+0.31%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	79%
Net Interest Margin ?	3.92% +8.8% YoY +3.7% QoQ	+0.11%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	57.10% -7.6% YoY +0.5% QoQ	-3.96%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	58%
Delinquency Rate ?	0.73% +165.0% YoY -4.7% QoQ	-0.16%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	87.18% +4.5% YoY +3.6% QoQ	+2.97%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	27.39% -2.4% YoY +5.2% QoQ	+6.10%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.61% +120.2% YoY -1.5% QoQ	-0.07%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	36%
Tier 1 Capital Ratio ?	10.53% -7.8% YoY -2.1% QoQ	-4.63%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Bottom 9.8% in tier
Non-Interest Income / Assets ?	0.12% +3.1% YoY -73.8% QoQ	-0.14%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	40%

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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 (1)

Profitability Leader

growth

#107 of 221 • Top 48.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.67%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (5 metrics)

115

Total Loans

size

Value: $3.87B

Peer Median: $1.96B

#115 of 884 Top 12.9% in $1B-$10B

118

Total Deposits

size

Value: $4.44B

Peer Median: $2.34B

#118 of 884 Top 13.2% in $1B-$10B

132

Total Assets

size

Value: $4.93B

Peer Median: $2.82B

#132 of 884 Top 14.8% in $1B-$10B

190

Return on Assets

profitability

Value: 1.67%

Peer Median: 1.37%

#190 of 884 Top 21.4% in $1B-$10B

201

Non-Interest-Bearing Deposit Share

funding

Value: 27.39%

Peer Median: 21.29%

#201 of 884 Top 22.6% in $1B-$10B

Top Weaknesses (1 metrics)

798

Tier 1 Capital Ratio

capital

Value: 10.53%

Peer Median: 15.16%

#798 of 884 Bottom 9.8% in $1B-$10B