Vast Bank, National Association: how it compares with its peers
Against 66 OK banks with half to twice its assets, Vast Bank, National Association's strongest measure in Q2 2026 is assets per employee ($6.4M vs. a $6.8M peer median). Its weakest relative measure is efficiency ratio (81.34% vs. 60.92%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.74% | 1.52% | Bottom third Ahead of 15% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.66% | 4.17% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 81.34% | 60.92% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.8M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.15% | 78.77% | Context |
What it means for lending operations
Its efficiency ratio of 81.34% is above the 60.92% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Chickasaw Community Bank Oklahoma City, OK · $557M
- First Pryority Bank Pryor, OK · $558M
- Panhandle First Bank Guymon, OK · $569M
- Shamrock Bank, N.A. Coalgate, OK · $501M
- First National Bank & Trust Company of McAlester Mcalester, OK · $580M
- The Bank, National Association Mcalester, OK · $488M
Questions about Vast Bank, National Association
How big is Vast Bank, National Association?
Vast Bank, National Association, established in 1982, is headquartered in Tulsa, OK. It reported $540M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Vast Bank, National Association's return on assets?
0.74% annualized in Q2 2026, against a 1.52% median for 66 OK banks with half to twice its assets, ahead of 15% of them.
What is Vast Bank, National Association's efficiency ratio?
81.34% in Q2 2026: it spent about 81 cents in noninterest expense for each dollar of revenue. The peer median is 60.92%, and lower is better.
Is Vast Bank, National Association growing its loans?
Net loans shrank 12.2% over the year to Q2 2026, while deposits shrank 6.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.