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
Unfavorable gap of $7.8M · efficiency ratio beats 37% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.85% | 1.26% | 1.60% | Beats 36% | 57 / 89 | | |
| Return on Equity | 16.95% | 7.40% | 11.89% | 14.65% | Beats 84% | 14 / 89 | | |
| Net Interest Margin | 3.57% | 3.46% | 3.93% | 4.45% | Beats 28% | 64 / 89 | | |
| Efficiency Ratio | 66.24% | 54.70% | 60.95% | 71.14% | Beats 37% | 57 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.72% | 0.30% | 0.82% | 2.25% | Beats 9% | 81 / 88 | | |
| Net Charge-Offs / Loans | 1.05% | 0.00% | 0.03% | 0.20% | Beats 5% | 85 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 12.63% | 10.89% | 13.00% | 16.33% | Beats 45% | 49 / 89 | | |
| Total Risk-Based Capital Ratio | 13.77% | 11.20% | 13.06% | 16.33% | Beats 57% | 38 / 89 | | |
| Equity / Assets | 6.50% | 9.26% | 10.94% | 13.52% | Beats 6% | 84 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.96% | 61.51% | 72.27% | 84.01% | 31st pctl | 61 / 88 | | |
| Loans / Assets | 57.80% | 52.51% | 63.15% | 71.27% | 36th pctl | 57 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |