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Vast Bank, N.A.

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Tulsa, OK $100M to $1B in assets Est. February 16, 1982 FDIC #23737 RSSD #347956 Routing #103902717 OCC

Data as of · sourced from FFIEC call reports. How we update

Vast Bank, N.A. is an FDIC-insured commercial bank headquartered in Tulsa, OK, established in 1982 (FDIC certificate 23737), and it is supervised by the OCC. At Q2 2026 it reported total assets of $540.4M, down 7.2% from Q2 2025, the 51st largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 18.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.

Charter
Commercial bank
Regulator
OCC
Deposit insurance
FDIC
FDIC certificate
23737
Headquarters
Tulsa, OK
Established
1982
Total assets, Q2 2026
$540.4M
Assets vs Q2 2025
-7.2%
CET1 ratio, Q2 2026
18.01%
Domestic offices
4 FDIC institution directory, current count
Routing number
103902717
Latest call report
Q2 2026, FFIEC 041 · Vast Bank, N.A. call report
Holding company
VAST HOLDINGS, INC
Asset rank in state
51st of 169 in Oklahoma
Assets
$540.4M
Deposits
$452.1M
Loans
$358.8M
Equity
$74.9M

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%. The figures come from its call report filed with the FFIEC.

Of the 169 banks headquartered in Oklahoma, Vast Bank, N.A. is the 51st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $540.4M, loans fell 5.7% and deposits were flat. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 22.8% of total loans, ahead of commercial and industrial loans at 21.8%. The FDIC Summary of Deposits lists 4 offices for it, in Tulsa, OK. On its Q2 2026 call report, Vast Bank, N.A. meets every capital ratio test for well capitalized.

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
Domestic offices
4 FDIC institution directory, current count
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

Profitability

Q2 annualized
Return on Assets0.74%YTD 0.73%
Return on Equity5.48%YTD 5.70%
Net Interest Margin3.68%YTD 3.57%

Balance Sheet

Total liabilities$465.5M
Cash & balances due$89.6M
Securities, available-for-sale$35.8M
Securities, held-to-maturity$0
Goodwill & intangibles$0

Income Statement

Net income Q2$1.0M
Net interest income YTD$8.8M
Total interest income YTD$14.3M
Total interest expense YTD$5.5M
Provision for credit losses YTD-$300K

Operating & Funding

Total noninterest income YTD$420K
Total noninterest expense YTD$7.5M

Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures

Quarterly trends

Over the 12 quarters to Q2 2026, Vast Bank, N.A.'s total assets ran between $538.9M (Q1 2026) and $1.01B (Q3 2023), and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built

Total assets and total liabilities

$540.4M total assets against $582.1M; $465.5M total liabilities against $521.9M.

Loans and leases against deposits

$353.3M net loans and leases against $402.5M; $452.1M total deposits against $485.1M.

Securities and cash

$35.8M securities against $39.3M; $89.6M cash and balances due against $75.3M.

Interest income against interest expense

$7.2M total interest income against $7.7M; $2.7M total interest expense against $3.4M.

Net interest income

$4.5M net interest income against $4.3M.

Noninterest income against noninterest expense

$203K total noninterest income against $1.0M; $4.0M total noninterest expense against $4.6M.

Provision for credit losses

-$300K provision for credit losses against $0.

Net income

$1.0M net income against $683K.

Return on assets and net interest margin

0.74% return on assets against 0.47%; 3.68% net interest margin against 3.31%.

CET1 and Tier 1 leverage ratios

18.01% CET1 capital ratio against 13.82%; 14.12% tier 1 leverage ratio against 11.06%.

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21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts

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Quarterly trend: last 8 quarters

From Q3 2024 to Q2 2026, its return on assets ran from -0.66% (Q3 2024) to 0.93% (Q4 2025) and its net interest margin ran from 2.62% (Q3 2024) to 3.68% (Q2 2026).

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

View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.

1–4 of 4
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

Facts as filed or published, not a rating.

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 192 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).
Not on file
Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources

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Vast Bank, N.A.: regulatory capital profile · BankRegReports

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.

Where is Vast Bank, N.A. headquartered?

It is headquartered in Tulsa, OK, United States.

When was Vast Bank, N.A. founded?

It was established in 1982, per the FDIC institution directory.

Is Vast Bank, N.A. FDIC-insured?

Yes. It 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.

What is Vast Bank, N.A.'s CET1 capital ratio?

It 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?

It 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?

Its Texas Ratio is 0.03% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.

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