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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Pauls Valley, OK · FDIC certificate #4173
PAULS VALLEY NATIONAL BANK is an FDIC-insured institution based in Pauls Valley, OK (FDIC certificate #4173). In its Q3 2026 Call Report it reported total assets of $350M, total deposits of $322M and net loans of $197M. Its primary federal regulator is OCC.
Plain-language readout
PAULS VALLEY NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $357M in Q2 2026 and were lowest at $350M in Q3 2026.
Total deposits were highest at $327M in Q2 2026 and lowest at $322M in Q3 2026.
Over the whole period total assets fell 0.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $350M | $322M | $197M | 1.20% | 19.05% | 3.99% |
| Q2 2026 | $357M | $327M | $203M | 1.12% | 17.52% | 3.87% |
| Q1 2026 | $351M | $323M | $199M | 1.01% | 16.09% | 3.73% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $18.4M | $14.3M | +$4.1M | +28.7% |
| Federal funds sold | $16.4M | $22.4M | -$5.9M | -26.6% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $96.7M | $94.9M | +$1.8M | +1.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $203.1M | $199.3M | +$3.8M | +1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.2M | $4.2M | -$81K | -1.9% |
| Other real estate owned | $855K | $0K | +$855K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $16.9M | $16.1M | +$760K | +4.7% |
| Total assets | $356.6M | $351.2M | +$5.4M | +1.5% |
| Liabilities | ||||
| Total deposits | $327.4M | $323.0M | +$4.3M | +1.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.0M | $6.0M | +$63K | +1.1% |
| Total liabilities | $333.4M | $329.0M | +$4.4M | +1.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $98K | $98K | $0K | 0.0% |
| Surplus | $1.3M | $1.3M | $0K | 0.0% |
| Retained earnings | $32.1M | $31.0M | +$1.1M | +3.5% |
| Accumulated other comprehensive income | -$10.3M | -$10.2M | -$112K | -1.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $23.2M | $22.2M | +$966K | +4.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $12.6M | $11.5M | +$1.1M | +9.5% |
| Adjusted nonperforming assets | $12.6M | $11.5M | +$1.1M | +9.5% |
| Tangible equity plus allowance | $26.2M | $25.2M | +$964K | +3.8% |
| Texas ratio (gross) | 48.33% | 45.83% | +2.50 pts | See points |
| Texas ratio (adjusted) | 48.33% | 45.83% | +2.50 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 48.39% | 47.73% | +0.66 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.63% | 12.47% | +0.17 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.63% | 12.47% | +0.17 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.13% | 1.15% | -0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.76% | 13.62% | +0.14 pts | See points |
| Tier 1 leverage (approximate) | 9.48% | 9.20% | +0.28 pts | See points |
| Construction and land loans to total capital | 24.66% | 35.96% | -11.30 pts | See points |
| Commercial real estate to total capital | 199.92% | 188.92% | +11.01 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -42.14% | -43.05% | +0.91 pts | See points |
| Liquidity | ||||
| Core deposits | $250.7M | $246.9M | +$3.8M | +1.6% |
| Non-core funding | $76.7M | $76.2M | +$500K | +0.7% |
| Loans to core deposits | 82.22% | 81.94% | +0.28 pts | See points |
| Loans to deposits | 62.96% | 62.62% | +0.34 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 39.23% | 47.28% | -8.05 pts | See points |
| Loans pledged, share of loans | 16.14% | 18.10% | -1.96 pts | See points |
| Volatile liabilities | $76.7M | $76.2M | +$500K | +0.7% |
| Earnings | ||||
| Earnings before provision, year to date | $2.4M | $1.1M | +$1.3M | +117.9% |
| Earnings before provision, single quarter | $1.3M | $1.1M | +$197K | +17.9% |
| Provision for credit losses, year to date | $30K | $30K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.35% | 6.91% | +0.44 pts | See points |
| Yield on interest-bearing balances due from banks | 3.38% | 2.91% | +0.47 pts | See points |
| Total interest income to average assets | 5.35% | 5.12% | +0.23 pts | See points |
| Cost of interest-bearing transaction accounts | 0.15% | 0.15% | +0.00 pts | See points |
| Cost of savings and money market deposits | 0.98% | 0.96% | +0.01 pts | See points |
| Cost of time deposits | 3.79% | 3.84% | -0.05 pts | See points |
| Total interest expense to average assets | 1.64% | 1.69% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $350M | $322M | $197M | 1.20% | 19.05% | 3.99% |
| 2026-06-30 | $357M | $327M | $203M | 1.12% | 17.52% | 3.87% |
| 2026-03-31 | $351M | $323M | $199M | 1.01% | 16.09% | 3.73% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $319.9M | 0.23% | 72 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.