🏦Bank Scorer

VAST BANK, NATIONAL ASSOCIATION

TULSA, OK · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1982FDIC #23,737
Outstanding Up

Current rating · Exam: August 2022

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.73%

Institution Profile

FDIC BankFind

Address

110 N Elgin Ave, TULSA, OK

County

Tulsa County

Established

February 16, 1982

Total Assets

$539M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

August 22, 2022

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Aug 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$539M

Total Deposits

$452M

Net Loans

$374M

Net Income

$1M

ROA

0.73%

ROE

5.84%

Risk-Based Capital

18.78%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate9.09%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$485M

1-Year Change

0

5-year net change: -7 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241172.73%9.09%
20232295.45%0.00%
20228290.24%4.88%
20216789.55%7.46%
202010975.23%17.43%
201911278.57%15.18%
201812878.13%15.63%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

7 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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