PAULS VALLEY NATIONAL BANK, THE

PAULS VALLEY, OK | Small | Est. Jan. 1, 1905, midnight | FDIC #4173 | RSSD #454658 | OCC
Latest Report: 2025-12-31

PAULS VALLEY NATIONAL BANK, THE is asn small FDIC-insured commercial bank headquartered in PAULS VALLEY, OK, established in Jan. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $349M and total deposits of $321M. Profitability stands at 1.13% ROA and 18.31% ROE, with a net interest margin of 4.00%. The bank's CET1 capital ratio is 11.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 5.68% and a Texas Ratio of 46.93%. FDIC Certificate #4173.

Assets

$349M

Deposits

$321M

Loans

$209M

Equity

$22M

Profitability

Return on Assets (ROA) 1.13%
Return on Equity (ROE) 18.31%
Net Interest Margin (NIM) 4.00%
Yield on Assets 5.97%
Cost of Funds 1.97%

Asset Quality

NPL Ratio 5.68%
Net Charge-Off Ratio 0.70%
Texas Ratio 46.93%
NPA Ratio 3.40%
ACL / Loans 1.59%

Capital & Liquidity

CET1 Ratio 11.90%
Tier 1 Capital 11.90%
Total Capital Ratio 13.15%
Leverage Ratio 9.15%
Loan-to-Deposit 64.98%

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