PAULS VALLEY NATIONAL BANK, THE
PAULS VALLEY NATIONAL BANK, THE is an FDIC-insured commercial bank headquartered in PAULS VALLEY, OK, established in 1905. As of , 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 3.75%. CET1 capital ratio: 11.90%, well above regulatory minimums. NPL ratio: 5.91% · Texas Ratio: 48.85%. Operates 6 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Pauls Valley National Bank, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 11.90% | 1.13% | 5.91% | 48.85% | 3.75% |
| 2025-09-30 | 11.44% | 1.72% | 5.59% | 49.97% | 3.81% |
| 2025-06-30 | 11.31% | -1.26% | 6.38% | 57.90% | 3.59% |
| 2025-03-31 | 11.89% | 1.04% | 3.87% | 35.99% | 3.76% |
| 2024-12-31 | 5.68% | 0.92% | 0.38% | 3.58% | 3.94% |
| 2024-09-30 | 12.88% | 1.24% | 0.49% | 4.05% | 3.68% |
| 2024-06-30 | 12.70% | 1.25% | 0.99% | 9.49% | 3.54% |
| 2024-03-31 | 12.49% | 0.90% | 1.20% | 12.53% | 3.33% |
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Frequently asked about PAULS VALLEY NATIONAL BANK, THE
What are Pauls Valley National Bank, the's total assets?
As of the Q4 2025 filing, Pauls Valley National Bank, the reported total assets of $348.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Pauls Valley National Bank, the headquartered?
Pauls Valley National Bank, the is headquartered in PAULS VALLEY, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Pauls Valley National Bank, the founded?
Pauls Valley National Bank, the was established in 1905, per the FDIC institution directory.
Is Pauls Valley National Bank, the FDIC-insured?
Yes. Pauls Valley National Bank, the 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 Pauls Valley National Bank, the?
Pauls Valley National Bank, the'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 Pauls Valley National Bank, the's CET1 capital ratio?
Pauls Valley National Bank, the reported a Common Equity Tier 1 (CET1) capital ratio of 11.90% in its most recent quarterly filing — above regulatory minimums.
How many branches does Pauls Valley National Bank, the operate?
Pauls Valley National Bank, the operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Pauls Valley National Bank, the's Texas Ratio?
Pauls Valley National Bank, the's Texas Ratio is 48.85% — within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.