The Pauls Valley National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Pauls Valley National Bank of Pauls Valley, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.22% | 1.34% | -0.12% | 47th below |
| ROAE | 19.00% | 13.32% | +5.68% | 83rd top |
| Net Interest Margin | 3.80% | 3.93% | -0.13% | 42nd below |
| Efficiency Ratio | 64.50% | 61.13% | +3.37% | 40th below |
| PPNR / Avg Assets | 1.47% | 1.68% | -0.21% | 42nd below |
| Yield on Earning Assets | 5.47% | 5.67% | -0.20% | 44th below |
| Cost of Funds | 1.59% | 1.88% | -0.29% | 63rd above |
| Net Interest Spread | 2.59% | 3.32% | -0.73% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.70% | 0.94% | +4.76% | 2nd bottom |
| NPA / Total Assets | 3.54% | 0.70% | +2.84% | 2nd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 46th below |
| ACL / Total Loans | 1.45% | 1.28% | +0.17% | 75th top |
| ACL / NPLs (Coverage) | 25.36% | 1546.69% | -1521.33% | 2nd bottom |
| Texas Ratio | 48.39% | 7.32% | +41.07% | 1st bottom |
| Provision / NCO | 8.00% | 1395.59% | -1387.59% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.63% | 19.49% | -6.86% | 24th bottom |
| Tier 1 Ratio | 12.63% | 19.52% | -6.89% | 23rd bottom |
| Total Capital Ratio | 13.77% | 20.61% | -6.84% | 24th bottom |
| Leverage Ratio | 9.48% | 12.14% | -2.66% | 21st bottom |
| Equity / Assets | 6.50% | 11.37% | -4.87% | 4th bottom |
| TCE / Tangible Assets | 6.50% | 11.09% | -4.59% | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.96% | 80.67% | -17.71% | 80th top |
| Core Deposit Ratio | 76.58% | 86.85% | -10.27% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.35% | 6.84% | -3.49% | 42nd below |
| Loan Growth (Y/Y) | -1.08% | 7.92% | -9.00% | 19th bottom |
| Deposit Growth (Y/Y) | 2.34% | 6.29% | -3.95% | 37th below |
See The Pauls Valley National Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Pauls Valley National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Pauls Valley National Bank profile, how to read a UBPR, or how this data updates.