BlastPoint's Banking Scorecard

Vast Bank, National Association

$100M-$1B Specialty: Commercial OK FDIC cert 23737

Tulsa, OK

4 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

Vast Bank, National Association has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 6.3% in tier
- Liquidity Overhang: Bottom 43.4% in tier
- ROA 0.54% below tier average
- Net Interest Margin 0.41% below tier average
- Efficiency Ratio 12.36% above tier average

Get updates when Vast Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$538.9M -8.3% YoY -4.6% QoQ	+$152.9M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	75%
Total Loans ?	$374.5M -7.4% YoY -0.5% QoQ	+$118.7M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	77%
Total Deposits ?	$452.0M -11.9% YoY -6.9% QoQ	+$124.0M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	75%
Return on Assets ?	0.73% +78.6% YoY +20.3% QoQ	-0.54%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	22%
Net Interest Margin ?	3.52% +10.3% YoY +3.8% QoQ	-0.41%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	32%
Efficiency Ratio ?	77.64% -11.4% YoY -6.2% QoQ	+12.36%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	19%
Delinquency Rate ?	0.28% -40.2% YoY +0.3% QoQ	-0.61%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	58%
Loan-to-Deposit Ratio ?	82.84% +5.0% YoY +6.9% QoQ	+6.21%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	40%
Non-Interest-Bearing Deposit Share ?	14.70% -11.3% YoY -6.5% QoQ	-7.32%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	23%
Nonperforming Asset Ratio ?	0.19% -39.6% YoY +4.7% QoQ	-0.44%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	60%
Tier 1 Capital Ratio ?	17.53% +31.7% YoY +16.9% QoQ	+1.70%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.04% -66.9% YoY -89.9% QoQ	-0.24%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	Bottom 14.0% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline

#33 of 506 • Bottom 6.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Liquidity Overhang

risk

#322 of 739 • Bottom 43.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.53%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 82.84%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

547

Tier 1 Capital Ratio

capital

Value: 17.53%

Peer Median: 15.83%

#547 of 2664 Top 20.5% in $100M-$1B

617

Total Loans

size

Value: $374.46M

Peer Median: $255.72M

#617 of 2664 Top 23.1% in $100M-$1B

654

Total Assets

size

Value: $538.94M

Peer Median: $386.08M

#654 of 2664 Top 24.5% in $100M-$1B

662

Total Deposits

size

Value: $452.00M

Peer Median: $327.97M

#662 of 2664 Top 24.8% in $100M-$1B

Top Weaknesses (4 metrics)

2293

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2293 of 2664 Bottom 14.0% in $100M-$1B

2172

Efficiency Ratio

profitability

Value: 77.64%

Peer Median: 65.29%

#2172 of 2664 Bottom 18.5% in $100M-$1B

2073

Return on Assets

profitability

Value: 0.73%

Peer Median: 1.27%

#2073 of 2664 Bottom 22.2% in $100M-$1B

2047

Non-Interest-Bearing Deposit Share

funding

Value: 14.70%

Peer Median: 22.02%

#2047 of 2664 Bottom 23.2% in $100M-$1B