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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

$356.6MAssets
$206.1MLoans
$327.4MDeposits
$23.2MEquity
Loan mix
65%RE $125.9M22%C&I $42.4M13%Consumer $25.5MQ2 2025Q2 2026
Deposit mix
62%Interest-bearing $202.7M38%Noninterest $124.7MQ2 2025Q2 2026

NIM

5.47%Q2 ’245.50%Q2 ’255.35%Q2 ’26+2%+3%

Non-interest income vs. expense

2.52%Q2 ’242.63%Q2 ’252.68%Q2 ’26+11%+2%

Executive Summary

  • Earnings: ROA of 1.22%, up 248 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 5.72% of loans (-76 bps YoY), with net charge-offs at 0.00%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.22%+248 bps YoY

Net Interest Margin (quarter, annualized)

3.72%+12 bps YoY

Efficiency Ratio (quarter, annualized)

64.65%-75 bps YoY

Tier 1 Leverage Ratio

9.48%+66 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.26%1.72%1.13%1.01%1.22%+248 bps
Return on Equity-23.03%30.39%18.31%16.09%19.00%+4,203 bps
Net Interest Margin3.59%3.77%3.68%3.43%3.72%+12 bps
Efficiency Ratio65.40%58.22%64.91%67.94%64.65%-75 bps
Non-Interest Burden2.20%1.97%2.25%2.18%2.25%+5 bps
Growth
Asset Growth (YoY)3.23%3.37%7.17%0.59%3.35%+12 bps
Loan Growth (YoY)12.03%10.31%4.95%-1.79%-1.08%-1,311 bps
Deposit Growth (YoY)2.98%3.83%6.99%0.08%2.34%-63 bps
Asset Quality
Nonperforming Loans / Loans6.48%5.63%5.96%5.71%5.72%-76 bps
Net Charge-Offs / Loans-0.03%2.83%-0.06%0.74%0.00%+3 bps
Allowance / Loans2.22%1.51%1.59%1.47%1.45%-77 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.3x0.3x-0.1x
Capital
Tier 1 Leverage Ratio8.81%8.97%9.15%9.20%9.48%+66 bps
Total Risk-Based Capital12.57%12.65%13.15%13.62%13.77%+120 bps
Equity / Assets5.32%6.03%6.28%6.33%6.50%+118 bps
Liquidity & Funding
Loans / Deposits65.14%67.75%64.98%62.62%62.96%-218 bps
Liquid Assets / Assets4.61%1.68%1.85%2.87%4.00%-61 bps
CRE / Total Capitaln/a357%349%328%n/an/a