FDIC Cert #4173 · Pauls Valley, Oklahoma · Est. 1905

The Pauls Valley National Bank - FDIC Bank Health Profile

A community-scale look at The Pauls Valley National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$349M
Total assets
C
Health grade · Fair
0.65%
Return on assets
11.9%
Tier 1 capital

Data updated July 2026

The verdict

The Pauls Valley National Bank earns a PlainBankData health grade of C (54/100), with well-capitalized at 11.90% Tier 1, 0.65% ROA, 62% efficiency ratio.

#2,288
largest of 4,313 FDIC banks by assets
47th
percentile by asset size, nationally
11.90%
Tier 1 ratio - above the 10% well-capitalized line
22nd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 4173 · OK C · 54/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (54/100)
  • BOTTOM-DECILE #4064/4307
  • PHOTO-FINISH Citizens Bank & Trus… · LA
  • TIER1-WELL 11.9% Tier 1
  • TEXAS-HEALTHY 49.3% Texas
  • ROA-THIN 0.65% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: Citizens Bank & Trust Company, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Pauls Valley National Bank

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cendera Bank · TX · near55/100State National Bank · TX · n…55/100The Granger National… · TX ·…55/100Citizens Bank & Trus… · LA ·…54/100The Pauls Valley Nat… · OK ·…54/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Pauls Valley National Bank · July 2026

What The Pauls Valley National Bank's Call Report plate shows

The Pauls Valley National Bank (FDIC Cert #4173) carries a PlainBankData health grade of C at 54/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,064 of 4,307. Tier 1 capital prints at 11.90%, clearing the 10% well-capitalized line. The Texas Ratio is 49.30%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.65%. Balance-sheet scale is $349M, 2,288th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens Bank & Trust Company (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Pauls Valley National Bank

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

The Pauls Valley National Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The Pauls Valley National Bank remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

How The Pauls Valley National Bank's 54/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10054/100
The Pauls Valley National Bank's composite health score
Tier 1 Capital Ratio (11.90%) 28/40
Return on Assets (ROA) (0.65%) 14/25
Texas Ratio (49.30%) 4/20
Efficiency Ratio (62.44%) 8/15

54 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$349M

Total balance-sheet footings

Total Deposits

$321M

Customer-funded liabilities

Net Loans

$205M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.5% 11.9% 13.3%
Basel III capital ratios - The Pauls Valley National Bank

Where The Pauls Valley National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Pauls Valley National Bank's score of 54/100 falls in the highlighted band.

The Pauls Valley National Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

54 6th percentile higher than 6% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Pauls Valley National Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Pauls Valley National Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Pauls Valley National Bank's $349M falls in the highlighted band.

Safety ratios for The Pauls Valley National Bank

Tier 1 capital ratio
Well-capitalized 10%

11.90% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.90%
Texas Ratio
49.30%
Equity Capital
$22M

What these ratios mean →

Profitability metrics: The Pauls Valley National Bank

Return on Assets (ROA)
22nd percentile nationally
0.65%
Return on Equity (ROE)
11.28%
Efficiency Ratio
62.44%

What these mean →

Income & expense at The Pauls Valley National Bank

$19M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Pauls Valley National Bank reports a Texas Ratio of 49.30% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

49.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Pauls Valley National Bank on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($349M here), outside Oklahoma so the neighborhood is not state containment.

State Street Bank and Trust Company $349M · IL Mutual Savings Bank $349M · IN Community State Bank of Missouri $349M · MO Citizens Deposit Bank of Arlington, I… $348M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Pauls Valley National Bank (FDIC Cert #4173) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The Pauls Valley National Bank Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
BOKF, National AssociationTulsa $52.0B A 1.10%
MidFirst BankOklahoma City $41.4B B 1.19%
First United Bank and Trust CompanyDurant $16.3B B 0.97%
BancFirstOklahoma City $12.1B A 1.79%
InterBankOklahoma City $5.5B B 3.60%
Stride Bank, National AssociationEnid $4.9B A 2.10%
RCB BankClaremore $4.1B A 1.32%
First Fidelity BankOklahoma City $2.9B B 0.94%