Bank Comparison
Vast Bank, N.A. vs Horizon Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Vast Bank, N.A. | Horizon Bank |
|---|---|---|
| CET1 Ratio | 17.53% | 14.34% |
| Tier 1 Capital Ratio | 17.53% | 14.34% |
| Total Capital Ratio | 18.78% | 15.06% |
| Tier 1 Leverage Ratio | 13.79% | 14.26% |
| Equity / Assets | 13.62% | 14.90% |
Profitability
| Metric | Vast Bank, N.A. | Horizon Bank |
|---|---|---|
| Return on Assets (ROA) | 0.73% | 2.88% |
| Return on Equity (ROE) | 5.84% | 19.19% |
| Net Interest Margin (NIM) | 3.46% | 5.06% |
| Yield on Earning Assets | 5.73% | 6.46% |
| Cost of Funds | 2.42% | 1.59% |
Asset quality
| Metric | Vast Bank, N.A. | Horizon Bank |
|---|---|---|
| Texas Ratio | 1.35% | 3.23% |
| Non-Performing Loan Ratio | 0.28% | 0.45% |
| Non-Performing Asset Ratio | 0.20% | 0.49% |
| Net Charge-Off Ratio | 0.00% | 0.10% |
| ACL / Loans | 1.55% | 0.89% |
Balance sheet
| Metric | Vast Bank, N.A. | Horizon Bank |
|---|---|---|
| Total Assets | $538,938K | $539,174K |
| Total Deposits | $452,000K | $445,769K |
| Total Loans | $380,348K | $415,126K |
| Total Equity | $73,378K | $80,341K |
| Net Income (quarter) | $1,004K | $3,763K |
Liquidity & funding
| Metric | Vast Bank, N.A. | Horizon Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.15% | 93.13% |
| Core Deposit Ratio | 91.11% | 95.56% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Vast Bank, N.A. | Horizon Bank |
|---|---|---|
| Headquarters City | TULSA | WAVERLY |
| Headquarters State | OK | NE |
| Asset Tier | Medium | Medium |
| Charter Class | 17174 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 4 | 5 |
| Employees (FTE) | 84 | 32 |
| Established | Feb. 16, 1982, midnight | Feb. 18, 1907, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Vast Bank, N.A. profile | View full Horizon Bank profile | Browse all bank comparisons