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The Pauls Valley National Bank
Pauls Valley, OK · FDIC Certificate #4173 · Chartered 01/0
Total assets
$356.59M
Total deposits
$327.37M
Total equity
$23.18M
Net loans
$203.14M
Branches (offices)
6
Net income (YTD)
$1.97M
Rank: #2,221 of 4,213 U.S. banks by assets · #69 of 168 in Oklahoma. Assets changed 3.3% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.12% |
| Return on equity | 17.52% |
| Net interest margin (YTD) | 3.87% |
| Equity to assets | 6.50% |
| Tier 1 leverage ratio | 9.48% |
| Uninsured deposits (share of deposits) | 29.5% |
| Noncurrent loans (share of loans) | 5.72% |
| Net charge-offs (share of loans) | 0.36% |
| Loans to deposits | 62.1% |
| Real estate loans (share of loans) | 62.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $127.04M | 62.5% | |
| Commercial & industrial | $44.65M | 22.0% | |
| Consumer / individual | $25.91M | 12.8% | |
| Construction & development | $8.99M | 4.4% | |
| Agricultural | $3.81M | 1.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $312.24M | $291.03M | $1.34M | $15.54M |
| Jun 2023 | $307.69M | $286.51M | $1.36M | $14.91M |
| Jun 2024 | $334.24M | $310.63M | $1.77M | $17.16M |
| Jun 2025 | $345.04M | $319.88M | -$218.00K | $18.35M |
| Jun 2026 | $356.59M | $327.37M | $1.97M | $23.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $327.37M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $327.37M.
Similar-sized banks
State Street Bank And Trust Company ($357.07M) · Mcnb Bank And Trust Co. ($356.50M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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