# VANTAGE BANK TEXAS
SAN ANTONIO, TX · FDIC certificate 3405 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.14B | |
| Deposits | $4.64B | |
| Loans and leases | $4.12B | |
| Total equity | $439.7M | |
| Loans / deposits | 87.75% (p52 of band) | 87.10% |
| Liquid assets / assets | 17.07% (p32 of band) | |
| Uninsured deposits / deposits | 48.74% (p89 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.02% (p13 of band) | 10.50% |
| Unrealized securities loss / equity | -3.44% (p72 of band) | -7.75% |
| AOCI / equity | -0.11% (p65 of band) | |
| ROA (annualized) | 1.64% (p76 of band) | 1.26% |
| Net interest margin | 3.96% (p66 of band) | 3.70% |
| Efficiency ratio | 55.48% (p39 of band) | |
| Noncurrent loans | 0.87% (p69 of band) | 0.51% |
| Net charge-offs (annualized) | 0.24% (p88 of band) | |
| Reserve coverage of noncurrent | 145.29% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 126.17% (p95 of band) | |
| Auto loans | $394,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $66.0M (15% of equity) (p90 of band) | |
| Deposits YoY | 8.5% | |
| Employees | 530 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 4 | noncurrent p90 |  |
| 2011-09 | 4 | capital falling | noncurrent p90 |
| 2011-12 | 4 |  |  |
| 2012-03 | 2 | uninsured deposits leaving | losing money, expense ratio p90, capital falling |
| 2012-06 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | capital falling, expense ratio p90 |  |
| 2013-03 | 0 |  | capital falling, expense ratio p90 |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | expense ratio p90 |  |
| 2013-12 | 1 | capital falling | expense ratio p90 |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 1 | expense ratio p90 |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 0 |  | expense ratio p90 |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2018-09 | 1 |  | reserve under noncurrent |
| 2018-12 | 2 | reserve under noncurrent |  |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | uninsured deposits >50%, capital falling, run vulnerability | reserve under noncurrent |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 3 | construction >100% equity |  |
| 2021-03 | 4 | capital falling |  |
| 2021-06 | 3 |  | run vulnerability |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 | run vulnerability | capital falling |
| 2022-03 | 2 |  | run vulnerability |
| 2022-06 | 4 | capital falling, run vulnerability |  |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2023-06 | 4 | capital falling, charge-offs p90 |  |
| 2023-09 | 3 |  | charge-offs p90 |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-03-26 [Vantage Bank Texas CEO, Sam Munafo, Set to Retire - Texas Border Business](https://news.google.com/rss/articles/CBMihwFBVV95cUxPMENxUGxWWDBpMERyUFpYZEg0eWRtTUFXY1ozank1LTFlNjNBX1BmQWhWQTRta05IUENVSV9mNDVjaGVPUlh2d3FPbndfVHZIUG82dXNjSEI0M2VKODZqYzFub3pwTGlpbnA3WGZldk54SXZKUkc1RXdudTNHdnRlWUpnTjNWdzQ?oc=5) · Texas Border Business
- 2018-05-08 [San Antonio’s Vantage Bank poised for merger with McAllen’s Inter National Bank - mysanantonio.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNczdIdnZjemhmUWZDejJ6bFJKblpMV1N1bUNCYXEwRkZ5Yk43UnVHeWJQUlU4c0UwQk1UM1BLUC1yVVNXTDdNZVlVelRIRExMaTNnbnVEUUxKRkNSYmlGZkxTTjFQd0hFTzBzTGJuNFloaHpnTTlVNDFnM3duQV9XU3pFNldSSUdZYURVU05ycnZyZXpXZEpWeVpVNzlQSDdrNG1oZnVkdGFweWh4UWc?oc=5) · mysanantonio.com
- 2018-11-08 [Vantage Bank Texas and Inter National Bank, the Power of Being Local - Texas Border Business](https://news.google.com/rss/articles/CBMiogFBVV95cUxQOC1GVktkaUdpaUEwcEZEdmdiQWhHZWdZRkYzd3BmckFTVmJNeC1wN1BpVmFQMXZSdzVnMFVOanYwak51UkwwelFJaU02OTRhNjJiNnZHTERmZ3JTTlU1ZS1zekQ3ZHFhTmN6RXZSTU5BY2U0T1NNeUlUUGcxRXJFQk84N1hnV1VlY2ZVcVZBRDBBb1lkTVBqX3NzcnVqc1hMTUE?oc=5) · Texas Border Business
- 2022-04-06 [Vantage Bank Texas One of First San Antonio Employers to Offer Bitcoin Savings Plans - Texas Border Business](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNZkFhN2lyODMtdzJCZHV3eUxnMkhKRmxLWFpVZGpOaGI4RVdDdFRIU211ZmRzSFhUOGpsdGxNbldGelVfTW45Vy1BajZvdlJXbnphQTNkMEZyM3M4QUpkeTE4Skh2dFB5THlnWVlKNmlJOXhZMEYwazhoWkwtSzUxSlhkcXFHRHZvZ011c1dzTDVIWXhmOTM3Q251MHRSbjB3WTdVUWFZdW1zSHYwUlU3NWh2eEUzNjBy?oc=5) · Texas Border Business
- 2021-09-10 [Vantage Bank – Unprecedented Growth Even During a Pandemic - Texas Border Business](https://news.google.com/rss/articles/CBMikwFBVV95cUxNRXo3Uy1KdFRRRDdCZWxKTjBRQm8yUmUzd3N5R1VaaVdfY29nMFNIMzM5UnN0NHJaV2lMTUJlbHBadGdoSC1Gd0xFUC1oSTZ4SnFRRms4MWFvQTNsNU1Fd1MxVEpRQ09oeVJkRDRoYnV6WXFYX2xIRnNQWlFOZC0yaXFmdnoyWUZ0UjNiZV9uU2pMaW8?oc=5) · Texas Border Business
- 2018-07-11 [Vantage Bank Texas and Inter National Bank File Intent to Merge - Texas Border Business](https://news.google.com/rss/articles/CBMirwFBVV95cUxQd3BGNEVhSTVFLTFOTU0wNzd0MnpOeHFpaExsbkQxaXAxSE00a05MQ3VMV3JnWWhQX3ZEU0M2eDl3bEJtSXBESUpNRFlNOE16Rjg5UDkxWUtlRGJHdFdrUmJnanJjWXIyR1ZKdTJRZmFWVXlteEFpOHk1VTk4YTVUM1BxakUzZVM1eG55ZkNmdmRWdmJxQzhNSTZnb1JkTWdMWG1CRXFxNTBkQzVnTzFJ?oc=5) · Texas Border Business
- 2023-01-31 [Vantage Bank Names Tray Mounce Houston Co-Market President - Texas Border Business](https://news.google.com/rss/articles/CBMilgFBVV95cUxQeUozRFJKVFpOaHd6c1ZFMXB0ck1LZ0JuSGZsYUtaaXFYbFlTM3lxZkRKc09oQ3l5andFcGxpTlhGM05xeFdrdTVEMWtJZTFiYmlZVXpTMHRId2Y3a1BteUhwLURDTDVoUXN4U3FrQ3UyRnVLSkNweXBJT0tkdTFXZm1OajJFemh5VlBXa1ZoaVRkSGtaX0E?oc=5) · Texas Border Business
- 2021-08-18 [Vantage Bank Texas Sponsors Empty Bowls 2021 - Texas Border Business](https://news.google.com/rss/articles/CBMigwFBVV95cUxQM2RWaTNJM2tsX2tqX0xOZ1dKX09GNkhKNkFrM1Zxb0YwVDktZzlCdWVRaTNyYU12eGdBWTJ4Mi1rT01TdktTY1BBZktEWFMwYzJ6UzBoN09CcEtzUnpnd3F0WGZ3cFVUVUx5VnM5dmFsWVA3SkFsZHpER1Z5VmtRRkgxbw?oc=5) · Texas Border Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3405 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/13.json (key "3405", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide