BlastPoint's Banking Scorecard

Vast Bank, National Association

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

Tulsa, OK

4 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
Deposits -6.8% year over year ($452.1M on the books).
Delinquency rate 0.01%.
Return on assets 0.74%.
Efficiency ratio 81.34% vs a 64.48% peer average.
Loan-to-deposit ratio 78.15% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK

View $100M-$1B leaderboard (OK) →

Vast Bank, National Association has 1 strength but faces 4 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 0.91% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 33.6% in tier
- ROA 0.59% below tier average
- Net Interest Margin 0.33% below tier average
- Efficiency Ratio 16.86% above tier average

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

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$540.4M -7.2% YoY +0.3% QoQ	+$153.8M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	75%
Total Loans ?	$353.3M -12.2% YoY -5.6% QoQ	+$95.0M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	74%
Total Deposits ?	$452.1M -6.8% YoY +0.0% QoQ	+$125.4M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	75%
Return on Assets ?	0.74% +68.1% YoY +1.3% QoQ	-0.59%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	20%
Net Interest Margin ?	3.66% +10.7% YoY +3.7% QoQ	-0.33%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	35%
Efficiency Ratio ?	81.34% -6.7% YoY +4.8% QoQ	+16.86%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Bottom 12.2% in tier
Delinquency Rate ?	0.01% -98.0% YoY -97.9% QoQ	-0.91%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	Top 13.3% in tier
Loan-to-Deposit Ratio ?	78.15% -5.8% YoY -5.7% QoQ	+0.20%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	53%
Non-Interest-Bearing Deposit Share ?	15.46% +9.1% YoY +5.2% QoQ	-6.57%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	26%
Nonperforming Asset Ratio ?	0.00% -98.1% YoY -98.0% QoQ	-0.66%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Top 12.2% in tier
Tier 1 Capital Ratio ?	18.01% +30.4% YoY +2.8% QoQ	+2.11%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.08% -73.6% YoY +93.0% QoQ	-0.49%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Bottom 12.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Noninterest-Bearing	15.5% +1.3pp YoY +0.8pp QoQ	-6.7pp	22.1%	23.9%	22.2%	26%
Brokered Deposits	34.7% +16.3pp YoY +7.6pp QoQ	+26.9pp	7.9%	9.7%	8.5%	97%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	22.2% +3.3pp YoY +0.7pp QoQ	+10.6pp	11.6%	15.7%	12.5%	91%
CRE	55.2% -0.3pp YoY +1.5pp QoQ	+15.7pp	39.5%	42.0%	41.4%	78%
1-4 Family	18.4% -5.7pp YoY -3.6pp QoQ	-14.2pp	32.6%	24.0%	31.3%	27%
Consumer	5.5% +2.5pp YoY +1.3pp QoQ	+1.4pp	4.1%	5.6%	5.0%	80%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	18.0% +4.2pp YoY +0.5pp QoQ	-0.8pp	18.8%	17.0%	19.7%	69%
Leverage Ratio	14.1% +3.1pp YoY +0.3pp QoQ	+1.9pp	12.2%	11.7%	12.6%	82%
Total Capital Ratio	19.3% +4.2pp YoY +0.5pp QoQ	-0.7pp	19.9%	18.2%	20.8%	70%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	85 +13 (+18.1%) YoY +1 (+1.2%) QoQ	+26	58	150	482	80%
Assets per Employee ($)	$6.4M -21.4% YoY -0.9% QoQ	-$1.2M	$7.5M	$6.5M	$8.8M	40%
Branch Count	4 0 YoY 0 QoQ	-1	4	8	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.9%	0.4%	n/a
Nonaccrual	0.0% -0.3pp YoY -0.3pp QoQ	-0.9pp	0.9%	1.5%	1.0%	2%
Allowance Coverage	259.76x +4496.4% YoY +4500.6% QoQ	+235.61x	24.15x	61.99x	20.23x	98%
Net Charge-off Rate (YTD)	0.1% -0.2pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.2%	0.2%	75%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	5.7% +1.4pp YoY -0.1pp QoQ	-6.5pp	12.2%	11.9%	11.6%	16%
Cost of Funds (YTD)	2.3% -0.4pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.8%	1.7%	84%
Net Income ($, YTD)	$2.0M +58.2% YoY — QoQ	-$536K	$2.6M	$8.7M	$40.4M	53%

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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 (1)

Deposit Outflow

decline

#181 of 535 • Bottom 33.6% in tier

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

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

323

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#323 of 2643 Top 12.2% in $100M-$1B

352

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.92%

#352 of 2633 Top 13.3% in $100M-$1B

505

Tier 1 Capital Ratio

capital

Value: 18.01%

Peer Median: 15.91%

#505 of 2643 Top 19.1% in $100M-$1B

655

Total Assets

size

Value: $540.41M

Peer Median: $386.57M

#655 of 2643 Top 24.7% in $100M-$1B

658

Total Deposits

size

Value: $452.11M

Peer Median: $326.73M

#658 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (3 metrics)

2322

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2322 of 2643 Bottom 12.2% in $100M-$1B

2321

Efficiency Ratio

profitability

Value: 81.34%

Peer Median: 64.48%

#2321 of 2643 Bottom 12.2% in $100M-$1B

2107

Return on Assets

profitability

Value: 0.74%

Peer Median: 1.32%

#2107 of 2643 Bottom 20.3% in $100M-$1B