The Pauls Valley National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Return on equity rose 2.91 percentage points from Q1 2026 to Q2 2026, ending at 19.00% against 16.09%. It was the largest change among the key lines on this page. Within Oklahoma, The Pauls Valley National Bank is 103rd of 169 on return on assets, 1.22% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; The Pauls Valley National Bank reported 1.22% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.63% |
| Tier 1 risk-based capital ratio | 12.63% |
| Total risk-based capital ratio | 13.77% |
| Tier 1 leverage ratio | 9.48% |
| Equity capital to assets | 6.50% |
| Tangible equity to tangible assets | 6.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.70% |
| Non-performing assets ratio | 3.54% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 48.39% |
| Allowance for credit losses to loans | 1.45% |
| Reserve coverage of non-performing loans | 25.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 19.00% |
| Net interest margin | 3.80% |
| Efficiency ratio | 64.50% |
| Yield on earning assets | 5.47% |
| Cost of funds | 1.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.96% |
| Core deposits to total deposits | 76.58% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.81% |
| Securities to assets | 27.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.48% | 12.48% | 13.24% | 9.66% | 0.78% |
| Q4 2023 | 12.88% | 12.88% | 13.74% | 9.81% | 1.12% |
| Q1 2024 | 12.49% | 12.49% | 13.38% | 9.15% | 0.90% |
| Q2 2024 | 12.70% | 12.70% | 13.60% | 9.38% | 1.27% |
| Q3 2024 | 12.88% | 12.88% | 13.84% | 9.60% | 1.26% |
| Q4 2024 | — | — | — | 9.79% | 0.92% |
| Q1 2025 | 11.89% | 11.89% | 12.85% | 9.37% | 1.05% |
| Q2 2025 | 11.31% | 11.31% | 12.57% | 8.81% | -1.28% |
| Q3 2025 | 11.44% | 11.44% | 12.65% | 8.97% | 1.74% |
| Q4 2025 | 11.90% | 11.90% | 13.15% | 9.15% | 1.13% |
| Q1 2026 | 12.47% | 12.47% | 13.62% | 9.20% | 1.01% |
| Q2 2026 | 12.63% | 12.63% | 13.77% | 9.48% | 1.22% |
The Pauls Valley National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pauls Valley National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)