Vast Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Vast Bank, N.A. spends more to run itself than most banks of its size. Its balance sheet stood at $540 million at June 30, 2026, down 7.2% from a year earlier; it is based in Tulsa, Oklahoma. It spends about 84 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also shrank its loan book 12.3% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $1.0 million, 49% above the same quarter a year earlier. Its $78 million commercial and industrial book is now fully current, after 1.52% of it was past due or on nonaccrual a year earlier. Profitability lags: it returns 5.5% a year on shareholders' equity, about half the median of 12.5% for banks its size.
As of June 30, 2026, Vast Bank, N.A. reported a CET1 capital ratio of 18.01%, a return on assets of 0.74%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.03%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 110 N Elgin Ave, Tulsa, OK 74120
- County
- Tulsa
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 16, 1982
- Offices
- 4 domestic
- Employees (FTE)
- 85
- Domestic deposits
- $452.1M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $171K
- Average total assets
- $547.9M
- Average total loans
- $379.7M
- Average interest-bearing deposits
- $377.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 16, 1982
- FDIC Cert
- 23737
- Fed RSSD
- 347956
- SEC CIK
- 1601676 → filed by VAST HOLDINGS, INC
- Website
- http://www.vast.bank →
- Parent Holding Company
- VAST HOLDINGS, INC (RSSD 1951891)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Vast Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Vast Bank, N.A., freeVast Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.01% | 0.74% | 0.01% | 0.03% | 3.68% |
| Q1 2026 | 17.53% | 0.73% | 0.27% | 1.32% | 3.46% |
| Q4 2025 | 14.99% | 0.93% | 0.27% | 1.49% | 3.44% |
| Q3 2025 | 14.53% | 0.61% | 0.32% | 1.79% | 3.39% |
| Q2 2025 | 13.82% | 0.47% | 0.29% | 1.77% | 3.31% |
| Q1 2025 | 13.31% | 0.41% | 0.46% | 2.82% | 3.14% |
| Q4 2024 | 13.16% | -0.29% | 0.01% | 0.05% | 2.81% |
| Q3 2024 | 13.23% | -0.66% | 0.61% | 3.66% | 2.62% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Vast Bank, National Association | Tulsa , OK | 74120 | $249.1M |
| Downtown Branch (Former Main Office) | Tulsa , OK | 74137 | $129.0M |
| Utica Square Branch | Tulsa , OK | 74114 | $45.9M |
| Tulsa Branch | Tulsa , OK | 74133 | $28.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 4, 2020 | Structure Change | Sale of Assets | FFIEC NIC |
| March 8, 2014 | Structure Change | Acquired Bank of the Lakes, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 7, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Vast Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC)
- October 23, 2023, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Vast Bank, National Association
- February 24, 2010, OCC: Formal Agreement: Valley National Bank
- Period: Most recent institution action October 23, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in OK, rank 54 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 19 applications, 16 loans originated, $13.5M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.7M approved, $2.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Vast Bank, N.A.
What are Vast Bank, N.A.'s total assets?
As of the Q2 2026 filing, Vast Bank, N.A. reported total assets of $540.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Vast Bank, N.A. headquartered?
Vast Bank, N.A. is headquartered in Tulsa, OK, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Vast Bank, N.A. founded?
Vast Bank, N.A. was established in 1982, per the FDIC institution directory.
Is Vast Bank, N.A. FDIC-insured?
Yes. Vast Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #23737). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Vast Bank, N.A.?
Vast Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Vast Bank, N.A.'s CET1 capital ratio?
Vast Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 18.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Vast Bank, N.A. operate?
Vast Bank, N.A. operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Vast Bank, N.A.'s Texas Ratio?
Vast Bank, N.A.'s Texas Ratio is 0.03% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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