Bank Comparison
Pauls Valley National Bank, the vs Flint Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 19
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Pauls Valley National Bank, the | Flint Community Bank |
|---|---|---|
| CET1 Ratio | 12.47% | 12.49% |
| Tier 1 Capital Ratio | 12.47% | 12.49% |
| Total Capital Ratio | 13.62% | 13.75% |
| Tier 1 Leverage Ratio | 9.20% | 9.36% |
| Equity / Assets | 6.33% | 8.96% |
Profitability
| Metric | Pauls Valley National Bank, the | Flint Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.01% | 2.05% |
| Return on Equity (ROE) | 16.09% | 22.01% |
| Net Interest Margin (NIM) | 3.50% | 4.46% |
| Yield on Earning Assets | 5.22% | 6.08% |
| Cost of Funds | 1.85% | 1.70% |
Asset quality
| Metric | Pauls Valley National Bank, the | Flint Community Bank |
|---|---|---|
| Texas Ratio | 47.73% | 20.38% |
| Non-Performing Loan Ratio | 5.94% | 2.57% |
| Non-Performing Asset Ratio | 3.42% | 2.04% |
| Net Charge-Off Ratio | 0.72% | 0.11% |
| ACL / Loans | 1.47% | 1.34% |
Balance sheet
| Metric | Pauls Valley National Bank, the | Flint Community Bank |
|---|---|---|
| Total Assets | $351,216K | $351,829K |
| Total Deposits | $323,031K | $303,900K |
| Total Loans | $202,274K | $279,758K |
| Total Equity | $22,215K | $31,525K |
| Net Income (quarter) | $887 | $1,724K |
Liquidity & funding
| Metric | Pauls Valley National Bank, the | Flint Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 62.62% | 92.06% |
| Core Deposit Ratio | 76.42% | 93.98% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Pauls Valley National Bank, the | Flint Community Bank |
|---|---|---|
| Headquarters City | PAULS VALLEY | ALBANY |
| Headquarters State | OK | GA |
| Asset Tier | Small | Small |
| Charter Class | 7892 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 6 | 2 |
| Employees (FTE) | 57 | 37 |
| Established | Jan. 1, 1905, midnight | Feb. 3, 2006, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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