Frank Santos

About Frank

As Senior Vice President and Commercial Relationship Manager at Vantage Bank Texas, Frank Santos serves businesses across San Antonio with responsive, relationship-based banking. With over 25 years in financial services and over 10 years with Vantage Bank, he partners with owners and financial leaders to understand their goals, structure the right financing, and provide ongoing support as needs evolve. Frank specializes in commercial lending solutions, including working capital lines of credit, equipment financing, and owner-occupied and investor real estate lending. He collaborates with treasury management teams to help clients improve cash flow, streamline operations, and protect liquidity. Known for clear communication and steady guidance, he focuses on practical strategies that align with each client's cash flow, risk profile, and growth plans. A San Antonio banker and community member, Frank brings local insight and broad industry perspective. He holds a BBA in Finance from The University of Texas at Austin and an MBA in Entrepreneurship from Acton in Austin, Texas. His service extends beyond the office through involvement with Cross Mountain Church. Clients value his integrity, follow-through, and the way he makes complex decisions simple and actionable.