Vantage Bank Texas (FDIC #3405): Bank Stress & Real-Estate Credit Exposure
Vantage Bank Texas (FDIC Cert #3405): bank stress 63/100, elevated, STABLE over 7 days; parent VBT FINANCIAL CORP INC.
Vantage Bank Texas (#3405) lends in 9 counties across 1 state; Vantage Bank Texas (#3405) reaches 400 ZIP codes: Texas 9 counties, 400 ZIPs.
Vantage Bank Texas (#3405) largest markets: Harris County, TX (143 branches, 143 ZIPs) (#3405), Bexar County, TX (156 branches, 78 ZIPs) (#3405), Tarrant County, TX (152 branches, 76 ZIPs) (#3405), El Paso County, TX (93 branches, 31 ZIPs) (#3405), Hidalgo County, TX (300 branches, 30 ZIPs) (#3405), Cameron County, TX (17 branches, 17 ZIPs) (#3405).
Vantage Bank Texas (#3405) reports $5.14 billion in total assets; Vantage Bank Texas (#3405) equity $439.7 million (8.6% of Vantage Bank Texas (#3405) assets); Vantage Bank Texas (#3405) domestic deposits $4.64 billion; Vantage Bank Texas (#3405) net income $41.0 million; Vantage Bank Texas (#3405) return on assets 1.64%; Vantage Bank Texas (#3405) return on equity 18.91%; Vantage Bank Texas (#3405) net interest income $94.5 million; Vantage Bank Texas (#3405) call report June 30, 2026.
Vantage Bank Texas (#3405) noncurrent real-estate loans: none reported; Vantage Bank Texas (#3405) net charge-offs on real estate 0.90%; Vantage Bank Texas (#3405) commercial charge-offs 0.40%; Vantage Bank Texas (#3405) residential charge-offs 0.14%.
Vantage Bank Texas (#3405) net interest margin 3.96% against an eight-quarter Vantage Bank Texas (#3405) average of 3.72% (Vantage Bank Texas (#3405) compression -0.24 points); Vantage Bank Texas (#3405) commercial real estate 40.1% of equity; Vantage Bank Texas (#3405) non-residential real estate 13.8% of equity; Vantage Bank Texas (#3405) rate-exposure score 44/100, Vantage Bank Texas (#3405) fixed-rate trap 44/100; Vantage Bank Texas (#3405) risk type credit driven; Vantage Bank Texas (#3405) rate regime rates elevated, Vantage Bank Texas (#3405) snapshot October 19, 2026.
Vantage Bank Texas (#3405) stress score moved from 60.1 on June 22, 2026 to 62.9 on October 19, 2026; Vantage Bank Texas (#3405) ranged 60.1 to 62.9 over 116 snapshots.
Vantage Bank Texas (#3405) alerts: 9 counties; top Vantage Bank Texas (#3405) alert scores: El Paso County, TX 34 (low); Refugio County, TX 29 (low); Houston County, TX 25 (low); Brownsville County, TX 21 (low); Fort Worth County, TX 21 (low).