# VAST BANK NATIONAL ASSN
TULSA, OK · FDIC certificate 23737 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $540.4M | |
| Deposits | $452.1M | |
| Loans and leases | $358.8M | |
| Total equity | $74.9M | |
| Loans / deposits | 78.15% (p42 of band) | 82.04% |
| Liquid assets / assets | 23.21% (p44 of band) | |
| Uninsured deposits / deposits | 18.93% (p25 of band) | 25.97% |
| Brokered deposits | 29.04% | |
| Wholesale funding | 29.04% (p97 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.12% (p86 of band) | 10.81% |
| Unrealized securities loss / equity | -6.91% (p54 of band) | -8.10% |
| AOCI / equity | 0.36% (p90 of band) | |
| ROA (annualized) | 0.74% (p19 of band) | 1.28% |
| Net interest margin | 3.66% (p36 of band) | 3.91% |
| Efficiency ratio | 81.34% (p90 of band) | |
| Noncurrent loans | 0.01% (p10 of band) | 0.43% |
| Net charge-offs (annualized) | 0.06% (p79 of band) | |
| Reserve coverage of noncurrent | 25976.19% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 29.70% (p36 of band) | |
| Auto loans | $270,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -6.8% | |
| Employees | 85 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 4 | losing money, noncurrent p90, charge-offs p90 |  |
| 2013-03 | 4 | deposits shrinking, assets shrinking | losing money, noncurrent p90 |
| 2013-06 | 1 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2013-09 | 4 | noncurrent p90, deposits shrinking, assets shrinking |  |
| 2013-12 | 0 |  | reserve under noncurrent, noncurrent p90, deposits shrinking, assets shrinking |
| 2014-03 | 2 | capital falling, charge-offs p90 |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | charge-offs p90 |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 2 | reserve under noncurrent |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 2 | noncurrent p90 |  |
| 2016-06 | 3 | construction >100% equity |  |
| 2016-09 | 2 | capital falling | noncurrent p90, construction >100% equity |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 | brokered >10% | reserve under noncurrent |
| 2017-06 | 0 |  | brokered >10% |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | brokered >10% |  |
| 2018-03 | 2 | reserve under noncurrent, construction >100% equity | brokered >10% |
| 2018-06 | 1 | capital falling | reserve under noncurrent, construction >100% equity |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 3 | securities losses >30% of equity, charge-offs p90, uninsured deposits leaving |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | deposits shrinking |  |
| 2019-12 | 2 |  | uninsured deposits leaving, deposits shrinking |
| 2020-03 | 2 | deposits shrinking | charge-offs p90 |
| 2020-06 | 2 | charge-offs p90 | deposits shrinking |
| 2020-09 | 4 | wholesale funding >15%, capital falling |  |
| 2020-12 | 1 |  | securities losses >30% of equity, wholesale funding >15%, capital falling |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | charge-offs p90 |  |
| 2022-03 | 4 | capital falling, losing money, expense ratio p90 |  |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | losing money |
| 2023-03 | 2 | brokered >10% | charge-offs p90 |
| 2023-06 | 5 | wholesale funding >15%, losing money, uninsured deposits leaving |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 13 | leverage <7%, leverage <5%, capital falling, securities losses >30% of equity, construction >100% equity, deposits shrinking, assets shrinking |  |
| 2024-03 | 14 | NIM <2.5%, charge-offs p90 | capital falling |
| 2024-06 | 7 |  | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, securities losses >30% of equity, construction >100% equity |
| 2024-09 | 8 | brokered >10%, wholesale funding >15% | charge-offs p90 |
| 2024-12 | 9 | charge-offs p90 |  |
| 2025-03 | 3 |  | expense ratio p90, losing money, uninsured deposits leaving, NIM <2.5%, wholesale funding >15%, charge-offs p90 |
| 2025-06 | 6 | wholesale funding >15%, expense ratio p90, charge-offs p90, uninsured deposits leaving | assets shrinking |
| 2025-09 | 5 |  | charge-offs p90 |
| 2025-12 | 2 |  | deposits shrinking, expense ratio p90, uninsured deposits leaving |
| 2026-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2026-06 | 4 |  | uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23737 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "23737", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide