Vantage Bank Texas
San Antonio, Texas · FDIC Cert #3405
Vantage Bank Texas is an FDIC-insured bank (Certificate #3405) with $4.4B in total assets and $3.8B in total deposits as of the Q2 2024 Call Report. Headquartered in San Antonio, Texas, the bank maintains a Tier 1 capital ratio of 11.45% (Well-Capitalized) and a nonperforming loan ratio of 0.60%. BankHealthData assigns a composite Health Grade of A (81/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Vantage Bank Texas (FDIC cert 3405) is a mid-sized bank with $4.4B in total assets and $3.8B in deposits, based in San Antonio, Texas. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 11.45% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.60% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 25.2% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 1.81% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Vantage Bank Texas carries a composite BankHealth grade of A (81/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Vantage Bank Texas
- Total Assets
- $4.4B
- Total Deposits
- $3.8B
- Tier 1 Capital Ratio
- 11.45%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.60%
- Liquidity Ratio
- 25.19%
- Return on Assets
- 1.81%
- Headquarters
- San Antonio, Texas
- FDIC Certificate
- #3405
- Health Grade
- A (81/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Vantage Bank Texas holds a Tier 1 capital ratio of 11.45%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Vantage Bank Texas has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Vantage Bank Texas shows strong financial health indicators. With $4.4B in assets and a Health Score of 81/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Vantage Bank Texas Compares
Vantage Bank Texas’s Health Score of 81 is 7 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 11.45% Tier 1 capital ratio is 2.5 points below the US banking industry average near 14%. The 0.60% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.81% is in line with or above the national ROA benchmark of ~1.1%. Among 335 similarly-sized banks, the average Health Score is 74, meaning this bank ranks above its size cohort. Site-wide, Vantage Bank Texas is 11 points above the portfolio average of 70.
Frequently Asked Questions
Vantage Bank Texas has a Bank Health Score of A (81/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 11.45%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Vantage Bank Texas's Tier 1 capital ratio of 11.45% and nonperforming loan ratio of 0.60% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Vantage Bank Texas is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #3405). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Vantage Bank Texas holds $4.4B in total assets and $3.8B in total deposits. It is headquartered in San Antonio, Texas (FDIC Certificate #3405).
Vantage Bank Texas has a Tier 1 capital ratio of 11.45%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.60%, and the return on assets is 1.81%.
Yes. Vantage Bank Texas is FDIC-insured (Certificate #3405). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Vantage Bank Texas's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.