Skip to main content
BanksPAULS VALLEY NATIONAL BANK, THE

PAULS VALLEY NATIONAL BANK, THE

PAULS VALLEY, OKSmallEst. Jan 1, 1905FDIC #4173RSSD #454658OCC
Latest ·

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.

Assets
$349M
Deposits
$321M
Loans
$209M
Equity
$22M

This is just the summary.

The full dashboard covers 4,394 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Peer benchmarking
Excel tearsheet exports
Risk & failure probability
Create free account

No credit card required

Watch flags

Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.

NPL ratio at 5.91% — elevated credit deteriorationWhat does this mean? →

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%.

Uninsured deposits at 54.1% of total — meaningful run-risk exposureWhat does this mean? →

More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.

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.

QuarterCET1ROANPLTexasNIM
2025-12-3111.90%1.13%5.91%48.85%3.75%
2025-09-3011.44%1.72%5.59%49.97%3.81%
2025-06-3011.31%-1.26%6.38%57.90%3.59%
2025-03-3111.89%1.04%3.87%35.99%3.76%
2024-12-315.68%0.92%0.38%3.58%3.94%
2024-09-3012.88%1.24%0.49%4.05%3.68%
2024-06-3012.70%1.25%0.99%9.49%3.54%
2024-03-3112.49%0.90%1.20%12.53%3.33%

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.