Call reports 2025
VAST BANK, N.A. — 2025
What VAST BANK, N.A. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 587,906,000 | 582,136,000 | 570,829,000 | 565,153,000 |
| Total loans | 411,746,000 | 409,230,000 | 388,458,000 | 382,135,000 |
| Allowance for loan losses | 7,203,000 | 6,697,000 | 6,669,000 | 5,807,000 |
| Securities available for sale | 39,597,000 | 39,325,000 | 39,697,000 | 37,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 512,919,000 | 485,150,000 | 494,511,000 | 485,562,000 |
| Interest-bearing deposits | 427,975,000 | 416,416,000 | 414,150,000 | 409,228,000 |
| Noninterest-bearing deposits | 84,944,000 | 68,734,000 | 80,361,000 | 76,334,000 |
| Equity capital | 59,669,000 | 60,198,000 | 61,941,000 | 64,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,422,000 | 15,087,000 | 22,796,000 | 30,430,000 |
| Interest expense | 3,393,000 | 6,748,000 | 10,093,000 | 13,340,000 |
| Net interest income | 4,029,000 | 8,339,000 | 12,703,000 | 17,090,000 |
| Noninterest income | 716,000 | 1,716,000 | 2,046,000 | 2,262,000 |
| Noninterest expense | 4,157,000 | 8,763,000 | 12,574,000 | 16,022,000 |
| Provision for loan losses | -18,000 | 53,000 | 172,000 | -694,000 |
| Pretax income | 593,000 | 1,297,000 | 2,180,000 | 3,925,000 |
| Income tax | 0 | 21,000 | 21,000 | 439,000 |
| Net income | 593,000 | 1,276,000 | 2,159,000 | 3,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,626,000 | 64,310,000 | 65,195,000 | 66,824,000 |
| Total capital | 69,622,000 | 70,142,000 | 70,820,000 | 72,403,000 |
| Risk-weighted assets | 478,071,000 | 465,390,000 | 448,799,000 | 445,650,000 |