The Pauls Valley National Bank
Total assets
$356.6M
▲ +3.3% YoY
Deposits
$327.4M
▲ +2.3% YoY
Loans
$203.1M
▼ -0.3% YoY
Offices
6
PAULS VALLEY BCORP INC
ROA (annualized)
1.12%
peers 1.24%
ROE (annualized)
17.52%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -1.0 pts |
| Deposit growth (YoY) | +2.3% | +4.0% | -1.6 pts |
| Loan growth (YoY) | -0.3% | +5.6% | -5.9 pts |
| ROA | 1.12% | 1.24% | -0.1 pts |
| ROE | 17.5% | 11.9% | +5.7 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
Profile
- Established
- 1905
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- PAULS VALLEY BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 101 W Paul Ave, Pauls Valley, OK, 73075
- County
- Garvin
- Offices
- 6
- FDIC cert #
- 4173
- RSSD ID
- 454658
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $356.6M | $327.4M | $203.1M | $23.2M | $2.0M | 1.12% | 3.87% | 3.55% |
| Q1 2026 | $351.2M | $323.0M | $199.3M | $22.2M | $887K | 1.01% | 3.73% | 3.29% |
| Q4 2025 | $348.6M | $321.0M | $205.2M | $21.9M | $2.2M | 0.65% | 3.97% | 3.57% |
| Q3 2025 | $340.8M | $313.6M | $209.3M | $20.6M | $1.3M | 0.49% | 3.97% | 3.51% |
| Q2 2025 | $345.0M | $319.9M | $203.8M | $18.3M | $-218K | -0.13% | 3.93% | 3.91% |
| Q1 2025 | $349.2M | $322.8M | $203.5M | $19.6M | $875K | 1.04% | 4.00% | 2.29% |
| Q4 2024 | $325.3M | $300.0M | $196.3M | $18.5M | $3.5M | 1.09% | 3.90% | 0.31% |
| Q3 2024 | $329.7M | $302.1M | $190.3M | $20.9M | $2.8M | 1.14% | 3.79% | 0.31% |
Loan mix (Q2 2026): real estate $127.0M · commercial $44.7M · consumer $25.9M · securities $96.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.24% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.96% | 45th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 62.9% | 60th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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