The Pauls Valley National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 11.30 percentage points lower than in Q1 2026, at 24.67%. The Pauls Valley National Bank ranks 128th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 62.96% (Q2 2026). The Pauls Valley National Bank reported 62.96% on loan-to-deposit ratio for Q2 2026, 17.98 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $206.1M |
| Net loans and leases | $203.1M |
| Loans held for sale | $0 |
| Loans to total assets | 57.80% |
| Loan-to-deposit ratio | 62.96% |
| Net loans to equity capital | 8.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.73% |
| Multifamily (5+ residential) | 0.70% |
| Commercial and industrial | 21.66% |
| Consumer | 12.57% |
| Credit cards | 0.00% |
| Farm | 4.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.50% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 200.01% |
| Construction concentration (Tier 1 capital + allowance) | 24.67% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.35% |
| Interest income on loans | $3.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $180.4M | $293.0M | 45.29% | 23.57% | 12.13% |
| Q4 2023 | $182.2M | $294.6M | 45.70% | 23.57% | 12.14% |
| Q1 2024 | $181.4M | $307.1M | 45.09% | 23.70% | 12.15% |
| Q2 2024 | $186.0M | $310.6M | 45.14% | 23.39% | 13.10% |
| Q3 2024 | $192.6M | $302.1M | 42.98% | 25.59% | 13.68% |
| Q4 2024 | $198.7M | $300.0M | 44.72% | 25.27% | 12.67% |
| Q1 2025 | $206.0M | $322.8M | 46.52% | 24.83% | 12.63% |
| Q2 2025 | $208.4M | $319.9M | 45.72% | 24.46% | 12.31% |
| Q3 2025 | $212.5M | $313.6M | 45.36% | 23.04% | 12.71% |
| Q4 2025 | $208.6M | $321.0M | 46.51% | 21.45% | 12.66% |
| Q1 2026 | $202.3M | $323.0M | 46.08% | 20.97% | 12.59% |
| Q2 2026 | $206.1M | $327.4M | 46.73% | 21.66% | 12.57% |
The Pauls Valley National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pauls Valley National Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Pauls Valley National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4173) · FFIEC NIC profile (RSSD 454658)