Vast Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income climbed 18.0% in Q2 2026, from -$2.9M to -$2.4M. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Vast Bank, N.A. is 20th of 71 on CET1 ratio, 18.01% as of Q2 2026, above the middle of the field. Vast Bank, N.A. reported 18.01% on CET1 ratio for Q2 2026, 2.94 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.01% |
| Tier 1 risk-based capital ratio | 18.01% |
| Total risk-based capital ratio | 19.27% |
| Tier 1 leverage ratio | 14.12% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $77.3M |
| Tier 1 capital | $77.3M |
| Total risk-based capital | $82.7M |
| Total equity capital | $74.9M |
| Risk-weighted assets | $429.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.86% |
| Tangible equity to tangible assets | 13.86% |
| Equity capital to average assets | 13.68% |
| Internal capital growth rate | 5.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.9M |
| Common stock surplus | $91.0M |
| Retained earnings | -$15.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.26% | 11.26% | 12.51% | 8.45% | $785.0M |
| Q4 2023 | 3.50% | 3.50% | 4.75% | 2.46% | $629.7M |
| Q1 2024 | 4.20% | 4.20% | 5.46% | 3.04% | $519.0M |
| Q2 2024 | 12.71% | 12.71% | 13.96% | 10.38% | $506.5M |
| Q3 2024 | 13.23% | 13.23% | 14.49% | 10.53% | $479.0M |
| Q4 2024 | 13.16% | 13.16% | 14.41% | 10.92% | $479.1M |
| Q1 2025 | 13.31% | 13.31% | 14.56% | 11.01% | $478.1M |
| Q2 2025 | 13.82% | 13.82% | 15.07% | 11.06% | $465.4M |
| Q3 2025 | 14.53% | 14.53% | 15.78% | 11.32% | $448.8M |
| Q4 2025 | 14.99% | 14.99% | 16.25% | 11.67% | $445.6M |
| Q1 2026 | 17.53% | 17.53% | 18.78% | 13.79% | $435.4M |
| Q2 2026 | 18.01% | 18.01% | 19.27% | 14.12% | $429.3M |
Vast Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Vast Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Vast Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23737) · FFIEC NIC profile (RSSD 347956)