Vast Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 7.56 percentage points higher than in Q1 2026, at 34.71%. Within Oklahoma, Vast Bank, N.A. is 84th of 169 on loan-to-deposit ratio, 79.36% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Vast Bank, N.A. reported 79.36% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $89.6M |
| Cash and noninterest-bearing balances to assets | 13.56% |
| Cash and securities | $125.4M |
| Fed funds sold and reverse repos | $16.3M |
| Fed funds sold and reverse repos to assets | 3.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.36% |
| Net loans and leases to deposits | 78.15% |
| Loans and leases to core deposits | 86.41% |
| Core deposits to total deposits | 83.41% |
| Brokered deposits to total deposits | 34.71% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 63.30% | 56.92% | $0 | $0 |
| Q4 2023 | 73.86% | 57.77% | $0 | $20.0M |
| Q1 2024 | 66.58% | 65.50% | $0 | $0 |
| Q2 2024 | 79.06% | 83.00% | $0 | $5.0M |
| Q3 2024 | 77.20% | 84.36% | $0 | $0 |
| Q4 2024 | 82.42% | 84.59% | $0 | $25.0M |
| Q1 2025 | 80.28% | 88.23% | $0 | $0 |
| Q2 2025 | 84.35% | 88.99% | $0 | $22.0M |
| Q3 2025 | 78.55% | 89.48% | $0 | $0 |
| Q4 2025 | 78.70% | 87.80% | $0 | $0 |
| Q1 2026 | 84.15% | 88.16% | $0 | $0 |
| Q2 2026 | 79.36% | 83.41% | $0 | $0 |
Vast Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Vast Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)