| Metric | Vantage Bank Texas | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +5.5% | +3.4 pts |
| Deposit growth (YoY) | +8.5% | +5.1% | +3.5 pts |
| Loan growth (YoY) | +14.8% | +5.9% | +8.8 pts |
| ROA | 1.64% | 1.26% | +0.4 pts |
| ROE | 18.9% | 12.2% | +6.7 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.14B | $4.64B | $4.07B | $439.7M | $41.0M | 1.64% | 3.96% | 0.73% |
| Q1 2026 | $4.93B | $4.44B | $3.87B | $434.7M | $20.6M | 1.67% | 3.92% | 0.61% |
| Q4 2025 | $4.94B | $4.46B | $3.75B | $426.4M | $72.0M | 1.53% | 3.79% | 0.62% |
| Q3 2025 | $4.92B | $4.46B | $3.72B | $408.5M | $51.2M | 1.47% | 3.71% | 0.62% |
| Q2 2025 | $4.72B | $4.27B | $3.55B | $393.9M | $32.4M | 1.42% | 3.67% | 0.22% |
| Q1 2025 | $4.43B | $4.00B | $3.34B | $388.8M | $14.5M | 1.29% | 3.61% | 0.28% |
| Q4 2024 | $4.55B | $4.13B | $3.26B | $381.5M | $67.9M | 1.58% | 3.56% | 0.31% |
| Q3 2024 | $4.57B | $3.99B | $3.19B | $381.4M | $52.6M | 1.66% | 3.54% | 0.33% |
Loan mix (Q2 2026): real estate $2.85B · commercial $1.17B · consumer $12.7M · securities $141.2M
| Ratio | Vantage Bank Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 1.26% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 18.9% | 12.2% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.5% | 59.0% | 39th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Vantage Bank Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Vantage Bank Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Vantage Bank Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Vantage Bank Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.