The Pauls Valley National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Pauls Valley National Bank, based in Pauls Valley, Oklahoma, reported $357 million in assets at June 30, 2026, up 3.3% from a year earlier. It carries problem assets equal to 48.3% of the capital and reserves that would absorb them, 18.3 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it returns 19.0% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 5.72% of loans, down from 6.48% a year earlier. Its $45 million commercial and industrial book is improving, with 2.07% past due or on nonaccrual, down from 10.91% a year earlier. Where it has less room is capital: it funds 9.48% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Pauls Valley National Bank reported a CET1 capital ratio of 12.63%, a return on assets of 1.22%, a nonperforming-loan ratio of 5.72% and a Texas ratio of 48.33%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 101 W Paul Ave, Pauls Valley, OK 73075
- County
- Garvin
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Offices
- 6 domestic
- Employees (FTE)
- 57
- Domestic deposits
- $327.4M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $375K
- Average total assets
- $353.3M
- Average total loans
- $202.1M
- Average interest-bearing deposits
- $239.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4173
- Fed RSSD
- 454658
- SEC CIK
- 1915409 → filed by PAULS VALLEY BANCORP, INC.
- Parent Holding Company
- VALLEY BANCSHARES INCORPORATED (RSSD 1062715)
- Ultimate Parent
- PAULS VALLEY BANCORP, INC. (RSSD 5657799)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Pauls Valley National Bank terminal
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Unlock The Pauls Valley National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Pauls Valley National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The Pauls Valley National Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.63% | 1.22% | 5.72% | 48.33% | 3.80% |
| Q1 2026 | 12.47% | 1.01% | 5.71% | 45.83% | 3.50% |
| Q4 2025 | 11.90% | 1.13% | 5.96% | 49.30% | 3.77% |
| Q3 2025 | 11.44% | 1.74% | 5.63% | 50.35% | 3.83% |
| Q2 2025 | 11.31% | -1.28% | 6.48% | 58.77% | 3.60% |
| Q1 2025 | 11.89% | 1.05% | 3.89% | 36.17% | 3.77% |
| Q4 2024 | — | 0.92% | 0.51% | 4.85% | 3.94% |
| Q3 2024 | 12.88% | 1.26% | 0.53% | 4.37% | 3.68% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Pauls Valley National Bank | Pauls Valley , OK | 73075 | $287.3M |
| The First National Bank of Davis Branch | Davis , OK | 73030 | $40.1M |
| Motor Bank Branch | Pauls Valley , OK | 73075 | $0 |
| Www.Pvnational.Com | Pauls Valley , OK | 73075 | $0 |
| Pauls Valley Branch | Pauls Valley , OK | 73075 | $0 |
| The Elmore City Branch | Elmore City , OK | 73433 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 12, 2011 | Structure Change | Acquired The First National Bank of Davis Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 11, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for The Pauls Valley National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- December 10, 1991, OCC: Formal Agreement: Pauls Valley National Bank
- Period: Most recent institution action December 10, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in OK, rank 72 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $566K approved, $566K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Pauls Valley National Bank
What are The Pauls Valley National Bank's total assets?
As of the Q2 2026 filing, The Pauls Valley National Bank reported total assets of $356.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Pauls Valley National Bank headquartered?
The Pauls Valley National Bank is headquartered in Pauls Valley, OK, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Pauls Valley National Bank founded?
The Pauls Valley National Bank was established in 1905, per the FDIC institution directory.
Is The Pauls Valley National Bank FDIC-insured?
Yes. The Pauls Valley National Bank is an FDIC-insured commercial bank (FDIC Certificate #4173). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Pauls Valley National Bank?
The Pauls Valley National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Pauls Valley National Bank's CET1 capital ratio?
The Pauls Valley National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.63% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Pauls Valley National Bank operate?
The Pauls Valley National Bank operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Pauls Valley National Bank's Texas Ratio?
The Pauls Valley National Bank's Texas Ratio is 48.33% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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