BlastPoint's Banking Scorecard
The Pauls Valley National Bank
Designations: ✓ Minority Depository Institution
Pauls Valley, OK
6 branches across OK
The Pauls Valley National Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.33% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 42.0% in tier
- - Cost Spiral: Bottom 48.4% in tier
- - Delinquency Rate 4.91% above tier average
- - Nonperforming Asset Ratio 2.65% above tier average
- - ROA 0.26% below tier average
- - Net Interest Margin 0.20% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$351.2M
+0.6% YoY
+0.8% QoQ
|
-$34.9M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
54% |
| Total Loans ? |
$199.3M
-2.0% YoY
-2.9% QoQ
|
-$56.4M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
48% |
| Total Deposits ? |
$323.0M
+0.1% YoY
+0.6% QoQ
|
-$4.9M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
58% |
| Return on Assets ? |
1.01%
-2.3% YoY
+55.3% QoQ
|
-0.26% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
3.73%
-6.8% YoY
-6.0% QoQ
|
-0.20% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
43% |
| Efficiency Ratio ? |
67.94%
+10.6% YoY
+8.8% QoQ
|
+2.66% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
37% |
| Delinquency Rate ? |
5.79%
+47.3% YoY
-4.4% QoQ
|
+4.91% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.5% in tier |
| Loan-to-Deposit Ratio ? |
61.69%
-2.1% YoY
-3.5% QoQ
|
-14.94% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
38.35%
+2.8% YoY
+5.4% QoQ
|
+16.33% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Top 6.2% in tier |
| Nonperforming Asset Ratio ? |
3.29%
+43.4% YoY
-7.8% QoQ
|
+2.65% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.5% in tier |
| Tier 1 Capital Ratio ? |
12.47%
+4.9% YoY
+4.8% QoQ
|
-3.36% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.11%
+7.4% YoY
-74.3% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
60% |
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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 (0)
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.