Our Company

Vantage Bank Texas is a financial institution headquartered in San Antonio, Texas with full service banking centers in Laredo, McAllen, Hondo and Refugio.

We are focused on providing dedicated banking services to small and medium size commercial businesses by offering a full range of traditional banking products along with the technologically advanced products of larger institutions.

At Vantage Bank Texas we are committed to South Texas, and invite you to consider us a reliable source for all of the specialized financial counseling, banking products and services you need.

You are welcome here.


Our Mission is to build value for our employees, customers and shareholders by developing long-term relationships through a team of caring people capable of listening to, understanding and satisfying customer needs in a dependable, sound and disciplined banking culture.


Vantage Bancorp, Inc. (formerly Family Bancorp, Inc.), the holding company for Vantage Bank Texas, was established in September of 2006. In 2007, Family Bancorp purchased the First National Bank of Refugio, a full-service community bank headquartered in Refugio, Texas. Shortly after, the First National Bank of Refugio started doing business under the name San Antonio National Bank (SANB). On February 17, 2012, San Antonio National Bank was rebranded to Vantage Bank Texas. On July 20, 2012, the holding company was also rebranded from Family Bancorp, Inc. to Vantage Bancorp, Inc.

Professional Affiliations

American Bankers Association, Asociación de Empresarios Mexicanos, Greater San Antonio Chamber of Commerce, Independent Bankers Association of Texas, Laredo Chamber of Commerce, McAllen Chamber of Commerce, Refugio Lions Club, Refugio Chamber of Commerce, RMA, San Antonio Hispanic Chamber of Commerce, and Stone Oak Business Association.

Products Offered

The Bank offers a variety of resources to perform banking functions through various delivery channels.

Loan Products & Services

  • Consumer Installment Loans (Secured or Unsecured)
  • Vehicle Loans
  • Interim Construction Loans
  • Commercial & Agricultural Loans
  • Small Business Loans

Deposit Products & Services

  • Personal Checking Accounts
  • Business Checking Accounts
  • Personal Savings Accounts
  • Business Savings Accounts
  • Money Market Deposit Accounts
  • Certificate of Deposit
  • Individual Retirement Accounts
  • Public Fund Depository Services

Other Banking Services

  • Personal and Business ATM and Debit cards
  • Personal and Business Credit cards (available through a third-party service provider)
  • Commercial Treasury Management Services
    • Merchant Services
    • Remote Deposit Capture (RDC)
    • Automatic Clearing House (ACH) Organization
    • Positive Pay
  • Wire Transfers
  • Check Ordering
  • Commercial Coin and Currency Orders
  • Official Checks
  • Check Cashing
  • ATM Banking
    • On Premise ATMs
    • Member of Allpoint ATM network
  • Drive-thru Teller Services
  • Safe Deposit Box Rental (Service not available at Stone Oak branch)
  • Bank by Mail
  • Night Depository
  • Overdraft Program (Overdraft Privilege and Overdraft Protection)
  • Automatic Funds Transfer
  • Notary Services
  • Automated Telephone Banking
  • Personal and Business Online Banking and Bill Pay
  • Mobile Banking (with Remote Deposit based on eligibility)
  • Text Banking
  • Transfer Funds between Accounts
  • Fax Service and Photocopies
  • eStatements
  • Financial Education Information