VAST BANK, N.A.
VAST BANK, N.A. is an FDIC-insured commercial bank headquartered in TULSA, OK, established in 1982. As of , the bank reported total assets of $565M and total deposits of $486M. Profitability stands at 0.93% ROA and 8.42% ROE, with a net interest margin of 3.41%. CET1 capital ratio: 14.99%, well above regulatory minimums. NPL ratio: 0.28% · Texas Ratio: 1.53%. Operates 4 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Vast Bank, N.A. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 14.99% | 0.93% | 0.28% | 1.53% | 3.41% |
| 2025-09-30 | 14.53% | 0.61% | 0.28% | 1.57% | 3.37% |
| 2025-06-30 | 13.82% | 0.47% | 0.30% | 1.81% | 3.29% |
| 2025-03-31 | 13.31% | 0.41% | 0.46% | 2.86% | 3.13% |
| 2024-12-31 | 13.16% | -0.28% | 0.02% | 0.10% | 2.83% |
| 2024-09-30 | 13.23% | -0.66% | 0.62% | 3.71% | 2.64% |
| 2024-06-30 | 12.71% | -0.12% | 0.69% | 4.20% | 1.90% |
| 2024-03-31 | 4.20% | -0.12% | 1.16% | 18.37% | 2.10% |
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Frequently asked about VAST BANK, N.A.
What are Vast Bank, N.A.'s total assets?
As of the Q4 2025 filing, Vast Bank, N.A. reported total assets of $565.2 million in its most recent 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 required of all FDIC-insured commercial banks.
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 14.99% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Vast Bank, N.A. operate?
Vast Bank, N.A. operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Vast Bank, N.A.'s Texas Ratio?
Vast Bank, N.A.'s Texas Ratio is 1.53% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.