Vast Bank, National Association (FDIC certificate #23737) is based in Tulsa, Oklahoma. Its Q2 2026 call report shows $540.4M in total assets and $452.1M in deposits and 4 offices.
Based on its Q2 2026 filing, Vast Bank, National Association scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 23rd. Its strongest component is loan quality (100/100; 0.01%), and its lowest is earnings (49/100; 0.74%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 15 points (69 → 84), mostly because the capital cushion component improved by 30 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 60 |
| Q4 2024 | 66 |
| Q1 2025 | 67 |
| Q2 2025 | 69 |
| Q3 2025 | 71 |
| Q4 2025 | 74 |
| Q1 2026 | 80 |
| Q2 2026 | 84 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.38% |
| Q3 2024 | 10.53% |
| Q4 2024 | 10.92% |
| Q1 2025 | 11.01% |
| Q2 2025 | 11.06% |
| Q3 2025 | 11.32% |
| Q4 2025 | 11.67% |
| Q1 2026 | 13.79% |
| Q2 2026 | 14.12% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.69% |
| Q3 2024 | 0.61% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.29% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.27% |
| Q1 2026 | 0.27% |
| Q2 2026 | 0.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.12% |
| Q3 2024 | -0.29% |
| Q4 2024 | -0.29% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.44% |
| Q3 2025 | 0.50% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.73% |
| Q2 2026 | 0.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $540.4M | 14.12% | 0.01% | 0.74% | 78.2% |
| Q1 2026 | 80 | $538.9M | 13.79% | 0.27% | 0.73% | 82.8% |
| Q4 2025 | 74 | $565.2M | 11.67% | 0.27% | 0.60% | 77.5% |
| Q3 2025 | 71 | $570.8M | 11.32% | 0.32% | 0.50% | 77.2% |
| Q2 2025 | 69 | $582.1M | 11.06% | 0.29% | 0.44% | 83.0% |
| Q1 2025 | 67 | $587.9M | 11.01% | 0.46% | 0.41% | 78.9% |
| Q4 2024 | 66 | $576.8M | 10.92% | 0.01% | -0.29% | 80.9% |
| Q3 2024 | 60 | $600.5M | 10.53% | 0.61% | -0.29% | 75.6% |
| Q2 2024 | 58 | $602.8M | 10.38% | 0.69% | -0.12% | 77.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chickasaw Community BankBank Oklahoma City, OK | 47 out of 100, Below average | $557.1M | 11.0% | 2.78% | vs |
| First Pryority BankBank Pryor, OK | 58 out of 100, Moderate | $558.1M | 10.5% | 1.69% | vs |
| Panhandle First BankBank Guymon, OK | 56 out of 100, Moderate | $568.7M | 13.0% | 2.34% | vs |
| Shamrock Bank, N.A.Bank Coalgate, OK | 79 out of 100, Strong | $501.5M | 10.8% | 0.29% | vs |
| First National Bank & Trust Company of McAlesterBank Mcalester, OK | 71 out of 100, Strong | $580.4M | 10.9% | 1.34% | vs |
| The Bank, National AssociationBank Mcalester, OK | 68 out of 100, Moderate | $488.1M | 10.9% | 1.30% | vs |
Deposit insurance
Is my money safe at Vast Bank, National Association?
Yes. Vast Bank, National Association is an FDIC-insured institution (FDIC certificate #23737). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.9% of deposits ($85.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.27% (benchmark: 10%).
4 locations
Branches
Vast Bank, National Association lists 4 offices in 1 city. Most locations:
- Tulsa, OK (4)
HMDA 2025
Mortgage lending
In 2025, Vast Bank, National Association reported 19 home-loan applications under HMDA (LEI 549300SEW263WB5KWU64): 16 originated ($13,530,000 total), 0 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Vast Bank, National Association
- Former names
- Valley National Bank
- Type
- National bank
- FDIC certificate #
- 23737
- RSSD ID
- 347956
- Primary regulator
- OCC
- Holding company
- Vast Holdings Inc
- Established
- February 16, 1982
- Headquarters
- 110 N Elgin Ave, Tulsa, OK 74120
- Website
- www.vast.bank
- Employees
- 85
Quick answers
Vast Bank, National Association: common questions
Is Vast Bank, National Association FDIC insured?
Yes. Vast Bank, National Association is an FDIC-insured institution (FDIC certificate #23737). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Vast Bank, National Association's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Vast Bank, National Association ever failed?
There is no failure record for FDIC certificate #23737 in the FDIC failed bank list.
How many branches does Vast Bank, National Association have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Tulsa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank of OwassoBank Owasso, OK | 93 out of 100, Very strong | $639.3M | 15.7% | 0.01% | vs |
| Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK | 92 out of 100, Very strong | $44.7M | 15.9% | 0.20% | vs |
| The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK | 89 out of 100, Very strong | $269.5M | 16.4% | 0.14% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| United Members Federal Credit UnionCredit union Tulsa, OK | 87 out of 100, Very strong | $10.4M | 18.6% | 0.15% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |