The Pauls Valley National Bank
Also written as PVNB
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Data as of · sourced from FFIEC call reports. How we update
The Pauls Valley National Bank is an FDIC-insured commercial bank headquartered in Pauls Valley, OK, established in 1905 (FDIC certificate 4173), and it is supervised by the OCC. At Q2 2026 it reported total assets of $356.6M, up 3.3% from Q2 2025, the 69th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 12.63% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4173
- Headquarters
- Pauls Valley, OK
- Established
- 1905
- Total assets, Q2 2026
- $356.6M
- Assets vs Q2 2025
- +3.3%
- CET1 ratio, Q2 2026
- 12.63%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 103101987
- Latest call report
- Q2 2026, FFIEC 051 · The Pauls Valley National Bank Q3 2026 call report, filed October 13, 2026 (preliminary)
- Holding company
- VALLEY BANCSHARES INCORPORATED
- Asset rank in state
- 69th of 169 in Oklahoma
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%. The figures come from its call report filed with the FFIEC.
The Pauls Valley National Bank ranks as the 69th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.5% to $356.6M, loans rose 1.9% and deposits rose 1.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 30.3% of total loans, ahead of commercial and industrial loans at 21.7%. Its 6 offices in the FDIC Summary of Deposits are in Pauls Valley, OK, Davis, OK and Elmore City, OK; its Pauls Valley 4 offices book 88% of its branch deposits. On its Q2 2026 call report, The Pauls Valley National Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 6 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Pauls Valley National Bank's total assets ran between $311.9M (Q3 2023) and $356.6M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$356.6M total assets against $345.0M; $333.4M total liabilities against $326.7M.
$203.1M net loans and leases against $203.8M; $327.4M total deposits against $319.9M.
$96.7M securities against $95.8M; $34.8M cash and balances due against $23.8M.
$4.7M total interest income against $4.7M; $1.4M total interest expense against $1.6M.
$3.3M net interest income against $3.1M.
$381K total noninterest income against $364K; $2.4M total noninterest expense against $2.2M.
$0 provision for credit losses against $2.1M.
$1.1M net income against -$1.1M.
1.22% return on assets against -1.28%; 3.80% net interest margin against 3.60%.
12.63% CET1 capital ratio against 11.31%; 9.48% tier 1 leverage ratio against 8.81%.
Inside the full The Pauls Valley National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 11 of 3,640, for Texas Ratio; its furthest is 1,520 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.28% (Q2 2025) to 1.74% (Q3 2025) and its net interest margin ran from 3.50% (Q1 2026) to 3.94% (Q4 2024).
| 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
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is The Pauls Valley National Bank headquartered?
It is headquartered in Pauls Valley, OK, United States.
When was The Pauls Valley National Bank founded?
It was established in 1905, per the FDIC institution directory.
Is The Pauls Valley National Bank FDIC-insured?
Yes. It 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.
What is The Pauls Valley National Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 48.33% in its Q2 2026 call report, within the healthy range (at or below 50%, the 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.
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