Vast Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Yield on securities, which fell 0.71 percentage points to 2.78%. Within Oklahoma, Vast Bank, N.A. is 131st of 169 on net interest margin, 3.68% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Vast Bank, N.A. sits 0.27 points lower, at 3.68% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.85% |
| Yield on loans | 6.60% |
| Yield on securities | 2.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.36% |
| Cost of interest-bearing deposits | 2.76% |
| Cost of interest-bearing liabilities | 2.81% |
| Cost of borrowings | 1.41% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.7M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.08% | 3.81% | 2.09% | 6.82% | 2.71% |
| Q4 2023 | 6.46% | 3.98% | 2.39% | 7.04% | 2.50% |
| Q1 2024 | 6.19% | 3.94% | 2.09% | 6.86% | 2.75% |
| Q2 2024 | 5.69% | 3.76% | 1.89% | 6.56% | 0.79% |
| Q3 2024 | 5.87% | 3.48% | 2.62% | 6.51% | 2.76% |
| Q4 2024 | 5.64% | 3.03% | 2.81% | 6.29% | 2.36% |
| Q1 2025 | 5.76% | 2.73% | 3.14% | 6.41% | 3.02% |
| Q2 2025 | 5.86% | 2.73% | 3.31% | 6.43% | 2.83% |
| Q3 2025 | 5.96% | 2.58% | 3.39% | 6.63% | 3.22% |
| Q4 2025 | 5.95% | 2.62% | 3.44% | 6.67% | 3.07% |
| Q1 2026 | 5.73% | 2.45% | 3.46% | 6.42% | 3.49% |
| Q2 2026 | 5.85% | 2.36% | 3.68% | 6.60% | 2.78% |
Vast Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Vast Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)