Vast Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.09 percentage points lower than in Q1 2026, at 167.94%. Vast Bank, N.A. ranks 84th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 79.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Vast Bank, N.A. reported 79.36% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $358.8M |
| Net loans and leases | $353.3M |
| Loans held for sale | $0 |
| Loans to total assets | 66.39% |
| Loan-to-deposit ratio | 79.36% |
| Net loans to equity capital | 4.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.53% |
| Multifamily (5+ residential) | 8.64% |
| Commercial and industrial | 21.85% |
| Consumer | 5.43% |
| Credit cards | 0.00% |
| Farm | 0.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 167.94% |
| Construction concentration (Tier 1 capital + allowance) | 26.87% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.60% |
| Interest income on loans | $6.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $574.2M | $907.1M | 38.95% | 29.26% | 5.33% |
| Q4 2023 | $518.1M | $701.4M | 41.13% | 26.54% | 2.96% |
| Q1 2024 | $410.9M | $617.1M | 41.34% | 24.37% | 3.36% |
| Q2 2024 | $410.1M | $518.7M | 40.91% | 21.81% | 3.07% |
| Q3 2024 | $404.8M | $524.3M | 42.97% | 18.68% | 2.64% |
| Q4 2024 | $392.0M | $475.6M | 41.89% | 17.79% | 3.07% |
| Q1 2025 | $411.7M | $512.9M | 41.53% | 17.94% | 3.12% |
| Q2 2025 | $409.2M | $485.1M | 43.73% | 18.54% | 2.92% |
| Q3 2025 | $388.5M | $494.5M | 39.45% | 19.42% | 3.06% |
| Q4 2025 | $382.1M | $485.6M | 36.17% | 22.38% | 4.29% |
| Q1 2026 | $380.3M | $452.0M | 37.30% | 21.18% | 4.11% |
| Q2 2026 | $358.8M | $452.1M | 39.53% | 21.85% | 5.43% |
Vast Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Vast Bank, N.A., freeSource: Call Report Schedule RC-C, 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)