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Original filing (PDF)20251014110009NAL0001271475001
VBT FINANCIAL CORPORATION
Form 5500
FILING_RECEIVED
VANTAGE BANK TEXAS EMPLOYEE STOCK OWNERSHIP PLAN
Defined-contribution retirement plan
Signals · 2
100% in single holding100% employer stock
Active participants
434
Accounts w/ balance
468
Plan assets (EOY)
$6.0M
Net assets (EOY)
$6.0M
How this plan invests
This plan
1 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
50
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "VBT Financial Corporation stock 435,557 Shares of Common Stock" is 100% of plan.
- 100% of plan in employer / sponsor stock.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for VBT FINANCIAL CORPORATION.
Plan sponsor
Name
VBT FINANCIAL CORPORATION
EIN
83-0818315
Address
45 NE LOOP 410 · STE 500 · SAN ANTONIO, TX · 78216
Phone
(210) 408-5700
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
004
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2I · Stock bonus
2O · ESOP (non-leveraged)
2Q · S-corporation ESOP
3H · Sponsor in controlled / affiliated group
3I · Requires investment in employer securities
Audit & trust (Schedule H)
Auditor
HENDERSON HUTCHERSON AND MCCULLOUGH
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL | 42-0127290 | — | RECORDKEEPER/BOOKKEEPER | $22K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HILLWORTH, LLC | 83-1778661 | — | VALUATION SERVICES | $8K | — |
Investments
1 direct security· $5.4M(91% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VBT Financial Corporation stock 435,557 Shares of Common Stock | — | — | $4.0M | $5.4M | 91.0% |