Vast Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Vast Bank, N.A. of Tulsa, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.74% | 1.35% | -0.61% | 21st bottom |
| ROAE | 5.48% | 13.33% | -7.85% | 16th bottom |
| Net Interest Margin | 3.68% | 3.93% | -0.25% | 36th below |
| Efficiency Ratio | 84.26% | 61.12% | +23.14% | 10th bottom |
| PPNR / Avg Assets | 0.52% | 1.68% | -1.16% | 9th bottom |
| Yield on Earning Assets | 5.85% | 5.67% | +0.18% | 61st above |
| Cost of Funds | 2.36% | 1.88% | +0.48% | 19th bottom |
| Net Interest Spread | 3.04% | 3.32% | -0.28% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 84th top |
| NPA / Total Assets | 0.01% | 0.70% | -0.69% | 85th top |
| NCO / Avg Loans | 0.18% | 0.16% | +0.02% | 13th bottom |
| ACL / Total Loans | 1.52% | 1.28% | +0.24% | 79th top |
| ACL / NPLs (Coverage) | 11364.58% | 1540.50% | +9824.08% | — |
| Texas Ratio | 0.06% | 7.34% | -7.28% | 88th top |
| Provision / NCO | -105.26% | 1396.06% | -1501.32% | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.01% | 19.49% | -1.48% | 69th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.01% | 19.52% | -1.51% | 69th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.27% | 20.61% | -1.34% | 70th above |
| Leverage Ratio | 14.12% | 12.14% | +1.98% | 82nd top |
| Equity / Assets | 13.86% | 11.36% | +2.50% | 84th top |
| TCE / Tangible Assets | 13.86% | 11.08% | +2.78% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.36% | 80.66% | -1.30% | 53rd above |
| Core Deposit Ratio | 83.41% | 86.85% | -3.44% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.17% | 6.85% | -14.02% | 3rd bottom |
| Loan Growth (Y/Y) | -12.33% | 7.93% | -20.26% | 2nd bottom |
| Deposit Growth (Y/Y) | -6.81% | 6.30% | -13.11% | 4th bottom |
See Vast Bank, N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Vast Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Vast Bank, N.A. profile, how to read a UBPR, or how this data updates.