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Pauls Valley National Bank, The

Pauls Valley, OK · Cert 4173 · Pauls Valley Bcorp Inc.

National charter · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

36

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

37

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pauls Valley National Bank, The

Pauls Valley, OK · Cert 4173 · Pauls Valley Bcorp Inc.

National charter · OCC · 6 branches

Q2 2026

$356.6MAssets
$206.1MLoans
$327.4MDeposits
$23.2MEquity
Loan mix
65%RE $125.9M22%C&I $42.4M13%Consumer $25.5MQ3 2024Q2 2026
Deposit mix
62%Interest-bearing $202.7M38%Noninterest $124.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.12%, up 124 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 5.72% of loans (-76 bps YoY), with net charge-offs at 0.36%.
  • Capital: tier 1 leverage ratio of 9.48%, up 66 bps from a year ago.
  • Funding: loans stand at 62.96% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.12%+124 bps YoY

Net Interest Margin (YTD, annualized)

3.57%-5 bps YoY

Efficiency Ratio (YTD, annualized)

66.24%+283 bps YoY

Tier 1 Leverage Ratio

9.48%+66 bps YoY

NIM

5.31%Q2 ’245.47%Q2 ’255.23%Q2 ’26+7%-1%

Non-interest income vs. expense

2.56%Q2 ’242.57%Q2 ’252.66%Q2 ’26+4%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.09%1.04%-0.13%0.49%0.65%1.01%1.12%+124 bps
Return on Equity21.11%19.92%18.37%-2.32%8.73%11.28%16.09%17.52%+1,984 bps
Net Interest Margin3.47%3.56%3.72%3.62%3.68%3.65%3.43%3.57%-5 bps
Efficiency Ratio64.29%63.21%61.46%63.41%61.61%62.44%67.94%66.24%+283 bps
Non-Interest Burden2.05%2.06%2.12%2.13%2.09%2.11%2.18%2.21%+8 bps
Growth
Asset Growth (YoY)5.68%2.38%6.21%3.23%3.37%7.17%0.59%3.35%+12 bps
Loan Growth (YoY)6.79%9.08%13.57%12.03%10.31%4.95%-1.79%-1.08%-1,311 bps
Deposit Growth (YoY)3.08%1.84%5.10%2.98%3.83%6.99%0.08%2.34%-63 bps
Asset Quality
Nonperforming Loans / Loans0.53%0.51%3.89%6.48%5.63%5.96%5.71%5.72%-76 bps
Net Charge-Offs / Loans-0.07%-0.04%0.00%-0.02%0.93%0.70%0.74%0.36%+38 bps
Allowance / Loans1.22%1.20%1.22%2.22%1.51%1.59%1.47%1.45%-77 bps
Allowance Coverage of NPLs2.3x2.4x0.3x0.3x0.3x0.3x0.3x0.3x-0.1x
Capital
Tier 1 Leverage Ratio9.60%9.79%9.37%8.81%8.97%9.15%9.20%9.48%+66 bps
Total Risk-Based Capital13.84%9.79%12.85%12.57%12.65%13.15%13.62%13.77%+120 bps
Equity / Assets6.35%5.68%5.62%5.32%6.03%6.28%6.33%6.50%+118 bps
Liquidity & Funding
Loans / Deposits63.77%66.24%63.81%65.14%67.75%64.98%62.62%62.96%-218 bps
Liquid Assets / Assets1.50%1.57%2.88%4.61%1.68%1.85%2.87%4.00%-61 bps
CRE / Total Capitaln/an/an/an/a357%349%328%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pauls Valley National Bank, The

Pauls Valley, OK · Cert 4173 · Peer group: banks under $1B in assets in OK (n=88-89) · Pauls Valley Bcorp Inc.

National charter · OCC · 6 branches

Q2 2026

$356.6MAssets
$206.1MLoans
$327.4MDeposits
$23.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 84% of banks under $1B in assets in OK (rank 14 of 89).
  • Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets in OK (rank 85 of 88).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.10%

Rank 57 of 89

Net Interest Margin

3.57%

Rank 64 of 89

Efficiency Ratio

66.24%

Rank 57 of 89

Equity / Assets

6.50%

Rank 84 of 89

Non-interest income vs. expense

$1.6M$9.4MINCOMEEXPENSE
Unfavorable gap of $7.8M · efficiency ratio beats 37% of banks under $1B in assets in OK
Bank 66.24%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.10%0.85%1.26%1.60%Beats 36%57 / 89
Return on Equity16.95%7.40%11.89%14.65%Beats 84%14 / 89
Net Interest Margin3.57%3.46%3.93%4.45%Beats 28%64 / 89
Efficiency Ratio66.24%54.70%60.95%71.14%Beats 37%57 / 89
Asset Quality
Nonperforming Loans / Loans5.72%0.30%0.82%2.25%Beats 9%81 / 88
Net Charge-Offs / Loans1.05%0.00%0.03%0.20%Beats 5%85 / 88
Capital
Tier 1 Capital Ratio12.63%10.89%13.00%16.33%Beats 45%49 / 89
Total Risk-Based Capital Ratio13.77%11.20%13.06%16.33%Beats 57%38 / 89
Equity / Assets6.50%9.26%10.94%13.52%Beats 6%84 / 89
Liquidity & Funding
Loans / Deposits62.96%61.51%72.27%84.01%31st pctl61 / 88
Loans / Assets57.80%52.51%63.15%71.27%36th pctl57 / 89
Brokered Deposits / Depositsn/aNot reported for this institution