BlastPoint's Banking Scorecard
Vast Bank, National Association
Community
Specialty: Commercial
OK
FDIC cert 23737
Tulsa, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Vast Bank, National Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 20.16% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$565.2M
-2.0% YoY
-1.0% QoQ
|
-$826.3M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$376.3M
-2.2% YoY
-1.4% QoQ
|
-$599.1M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$485.6M
+2.1% YoY
-1.8% QoQ
|
-$679.0M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
0.60%
+311.7% YoY
+21.7% QoQ
|
-0.56% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
15% |
| Net Interest Margin ? |
3.40%
+42.6% YoY
+1.1% QoQ
|
-0.27% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
82.79%
-21.7% YoY
-2.9% QoQ
|
+20.16% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.28%
-13.7% QoQ
|
-0.35% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
77.50%
-4.2% YoY
+0.4% QoQ
|
-5.56% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
15.72%
+16.9% YoY
-3.3% QoQ
|
-5.32% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.18%
-14.1% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
14.99%
+14.0% YoY
+3.2% QoQ
|
+4.75% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.40%
-70.8% YoY
+11.7% QoQ
|
-0.34% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Efficiency Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
82.79%
(Tier avg: 62.63%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
76
76th pctile
Tier 1 Capital Ratio
Current: 14.99% · Tier avg: 10.24%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
36
36th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.66%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
33
33th pctile
Loan-to-Deposit Ratio
Current: 77.50% · Tier avg: 83.06%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.72% · Tier avg: 21.05%
15
15th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.16%
12
12th pctile
Total Loans
Current: $376.3M · Tier avg: $975.5M
11
11th pctile
Total Deposits
Current: $485.6M · Tier avg: $1.2B
10
10th pctile
Total Assets
Current: $565.2M · Tier avg: $1.4B
8
8th pctile
Efficiency Ratio
Current: 82.79% · Tier avg: 62.63%
Top Weaknesses
8
8th pctile
Efficiency Ratio
Current: 82.79% · Tier avg: 62.63%
10
10th pctile
Total Assets
Current: $565.2M · Tier avg: $1.4B
11
11th pctile
Total Deposits
Current: $485.6M · Tier avg: $1.2B
12
12th pctile
Total Loans
Current: $376.3M · Tier avg: $975.5M
15
15th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.16%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.72% · Tier avg: 21.05%
33
33th pctile
Loan-to-Deposit Ratio
Current: 77.50% · Tier avg: 83.06%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
36
36th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.66%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
76
76th pctile
Tier 1 Capital Ratio
Current: 14.99% · Tier avg: 10.24%