Vast Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 10814.21 percentage points higher than in Q1 2026, at 11364.58%. Within Oklahoma, Vast Bank, N.A. is 144th of 169 on return on assets, 0.74% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Vast Bank, N.A. sits 0.51 points lower, at 0.74% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.01% |
| Tier 1 risk-based capital ratio | 18.01% |
| Total risk-based capital ratio | 19.27% |
| Tier 1 leverage ratio | 14.12% |
| Equity capital to assets | 13.86% |
| Tangible equity to tangible assets | 13.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.18% |
| Texas ratio | 0.06% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | 11364.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.74% |
| Return on equity | 5.48% |
| Net interest margin | 3.68% |
| Efficiency ratio | 84.26% |
| Yield on earning assets | 5.85% |
| Cost of funds | 2.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.36% |
| Core deposits to total deposits | 83.41% |
| Brokered deposits to total deposits | 34.71% |
| Deposits to assets | 83.66% |
| Securities to assets | 6.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.26% | 11.26% | 12.51% | 8.45% | -1.00% |
| Q4 2023 | 3.50% | 3.50% | 4.75% | 2.46% | -29.59% |
| Q1 2024 | 4.20% | 4.20% | 5.46% | 3.04% | -0.12% |
| Q2 2024 | 12.71% | 12.71% | 13.96% | 10.38% | -0.12% |
| Q3 2024 | 13.23% | 13.23% | 14.49% | 10.53% | -0.66% |
| Q4 2024 | 13.16% | 13.16% | 14.41% | 10.92% | -0.29% |
| Q1 2025 | 13.31% | 13.31% | 14.56% | 11.01% | 0.41% |
| Q2 2025 | 13.82% | 13.82% | 15.07% | 11.06% | 0.47% |
| Q3 2025 | 14.53% | 14.53% | 15.78% | 11.32% | 0.61% |
| Q4 2025 | 14.99% | 14.99% | 16.25% | 11.67% | 0.93% |
| Q1 2026 | 17.53% | 17.53% | 18.78% | 13.79% | 0.73% |
| Q2 2026 | 18.01% | 18.01% | 19.27% | 14.12% | 0.74% |
Vast Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Vast Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)