Pauls Valley, OK · Cert 4173 · Pauls Valley Bcorp Inc.
National charter · OCC · 6 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.09% | 1.04% | -0.13% | 0.49% | 0.65% | 1.01% | 1.12% | +124 bps | |
| Return on Equity | 21.11% | 19.92% | 18.37% | -2.32% | 8.73% | 11.28% | 16.09% | 17.52% | +1,984 bps | |
| Net Interest Margin | 3.47% | 3.56% | 3.72% | 3.62% | 3.68% | 3.65% | 3.43% | 3.57% | -5 bps | |
| Efficiency Ratio | 64.29% | 63.21% | 61.46% | 63.41% | 61.61% | 62.44% | 67.94% | 66.24% | +283 bps | |
| Non-Interest Burden | 2.05% | 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 / Loans | 0.53% | 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 / Loans | 1.22% | 1.20% | 1.22% | 2.22% | 1.51% | 1.59% | 1.47% | 1.45% | -77 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.4x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.60% | 9.79% | 9.37% | 8.81% | 8.97% | 9.15% | 9.20% | 9.48% | +66 bps | |
| Total Risk-Based Capital | 13.84% | 9.79% | 12.85% | 12.57% | 12.65% | 13.15% | 13.62% | 13.77% | +120 bps | |
| Equity / Assets | 6.35% | 5.68% | 5.62% | 5.32% | 6.03% | 6.28% | 6.33% | 6.50% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.77% | 66.24% | 63.81% | 65.14% | 67.75% | 64.98% | 62.62% | 62.96% | -218 bps | |
| Liquid Assets / Assets | 1.50% | 1.57% | 2.88% | 4.61% | 1.68% | 1.85% | 2.87% | 4.00% | -61 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 357% | 349% | 328% | n/a | n/a | |