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The Pauls Valley National Bank

$100M-$1B Specialty: Commercial OK FDIC cert 4173

Designations: ✓ Minority Depository Institution

Pauls Valley, OK

6 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits +2.3% year over year ($327.4M on the books).
  • Delinquency rate 5.80%.
  • Return on assets 1.12%.
  • Efficiency ratio 66.24% vs a 64.48% peer average.
  • Loan-to-deposit ratio 62.05% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

The Pauls Valley National Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest-Bearing Deposit Share 16.06% above tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 4.88% above tier average
  • - Nonperforming Asset Ratio 2.88% above tier average
  • - ROA 0.21% below tier average
  • - Net Interest Margin 0.12% below tier average
  • - Efficiency Ratio 1.76% above tier average
Get updates when The Pauls Valley National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $356.6M
+3.3% YoY +1.5% QoQ
-$30.0M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
55%
Total Loans ? $203.1M
-0.3% YoY +1.9% QoQ
-$55.2M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $327.4M
+2.3% YoY +1.3% QoQ
+$638K $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
60%
Return on Assets ? 1.12%
+969.9% YoY +10.1% QoQ
-0.21% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
42%
Net Interest Margin ? 3.87%
-1.7% YoY +3.6% QoQ
-0.12% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
46%
Efficiency Ratio ? 66.24%
+4.5% YoY -2.5% QoQ
+1.76% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
39%
Delinquency Rate ? 5.80%
-12.4% YoY +0.1% QoQ
+4.88% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
Bottom 1.8% in tier
Loan-to-Deposit Ratio ? 62.05%
-2.6% YoY +0.6% QoQ
-15.90% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
80%
Non-Interest-Bearing Deposit Share ? 38.09%
+6.5% YoY -0.7% QoQ
+16.06% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
Top 6.1% in tier
Nonperforming Asset Ratio ? 3.55%
-9.4% YoY +7.8% QoQ
+2.88% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Bottom 2.2% in tier
Tier 1 Capital Ratio ? 12.63%
+11.7% YoY +1.3% QoQ
-3.27% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
43%
Non-Interest Income / Assets ? 0.22%
+2.9% YoY +91.6% QoQ
-0.35% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
56%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 38.1%
+2.3pp YoY
-0.3pp QoQ
 +15.9pp 22.1% 23.9% 22.2% 94%
Brokered Deposits n/a n/a 7.9% 9.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 22.0%
-3.0pp YoY
+0.7pp QoQ
 +10.4pp 11.6% 15.7% 12.5% 91%
CRE 52.6%
+1.3pp YoY
-0.7pp QoQ
 +13.0pp 39.5% 42.0% 41.4% 74%
1-4 Family 5.2%
+0.1pp YoY
-0.3pp QoQ
 -27.5pp 32.6% 24.0% 31.3% 5%
Consumer 12.8%
+0.2pp YoY
0.0pp QoQ
 +8.6pp 4.1% 5.6% 5.0% 95%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 12.6%
+1.3pp YoY
+0.2pp QoQ
 -6.2pp 18.8% 17.0% 19.7% 24%
Leverage Ratio 9.5%
+0.7pp YoY
+0.3pp QoQ
 -2.7pp 12.2% 11.7% 12.6% 21%
Total Capital Ratio 13.8%
+1.2pp YoY
+0.1pp QoQ
 -6.2pp 19.9% 18.2% 20.8% 24%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 57
+2 (+3.6%) YoY
0 QoQ
 -2 58 150 482 60%
Assets per Employee ($) $6.3M
-0.3% YoY
+1.5% QoQ
 -$1.3M $7.5M $6.5M $8.8M 38%
Branch Count 6
0 YoY
0 QoQ
 +1 4 8 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.9% 0.4% 29%
Nonaccrual 5.8%
-0.7pp YoY
0.0pp QoQ
 +4.8pp 0.9% 1.5% 1.0% 98%
Allowance Coverage 0.25x
-26.1% YoY
-2.1% QoQ
 -23.90x 24.15x 61.99x 20.23x 2%
Net Charge-off Rate (YTD) 0.4%
+0.4pp YoY
-0.4pp QoQ
 +0.2pp 0.1% 0.2% 0.2% 91%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 17.5%
+19.8pp YoY
+1.4pp QoQ
 +5.3pp 12.2% 11.9% 11.6% 80%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 58%
Net Income ($, YTD) $2.0M
+1001.4% YoY
— QoQ
 -$590K $2.6M $8.7M $40.4M 51%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

161
Non-Interest-Bearing Deposit Share
funding
Value: 38.09%
Peer Median: 22.03%
#161 of 2643 Top 6.1% in $100M-$1B
517
Loan-to-Deposit Ratio
liquidity
Value: 62.05%
Peer Median: 77.95%
#517 of 2643 Top 19.5% in $100M-$1B

Top Weaknesses (2 metrics)

2587
Delinquency Rate
credit_quality
Value: 5.80%
Peer Median: 0.92%
#2587 of 2633 Bottom 1.8% in $100M-$1B
2586
Nonperforming Asset Ratio
credit_quality
Value: 3.55%
Peer Median: 0.67%
#2586 of 2643 Bottom 2.2% in $100M-$1B
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