Total Assets
$349M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$321M
Customer-funded liabilities
Net Loans
$205M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
22nd percentile nationally
0.65%
Return on Equity (ROE)
11.28%
Efficiency Ratio
62.44%
What the numbers say about The Pauls Valley National Bank
The Pauls Valley National Bank is an FDIC-insured institution (Certificate #4173) headquartered in Pauls Valley, Oklahoma, established in 1905. It holds $349M in total assets - 2,288th of 4,313 FDIC-insured banks, $321M in customer deposits, and $205M in net loans. Looking at capital strength, Tier 1 stands at 11.90%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 49.30%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (54/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Oklahoma, The Pauls Valley National Bank ranks 71st of 172 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Oklahoma by total assets
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.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The Pauls Valley National Bank's health grade?▼
The Pauls Valley National Bank receives a health grade of C (54/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The Pauls Valley National Bank?▼
The Pauls Valley National Bank holds $349M in total assets and $321M in deposits, ranking 2,288th of 4,313 FDIC-insured banks by asset size. It is headquartered in Pauls Valley, Oklahoma.
Is my money safe at The Pauls Valley National Bank?▼
Yes, deposits at The Pauls Valley National Bank (Certificate #4173) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Pauls Valley National Bank's Tier 1 Capital Ratio?▼
The Pauls Valley National Bank has a Tier 1 Capital Ratio of 11.90%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Pauls Valley National Bank?▼
The Pauls Valley National Bank has a Texas Ratio of 49.30%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Pauls Valley National Bank?▼
The Pauls Valley National Bank has an Efficiency Ratio of 62.44%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Pauls Valley National Bank's profile as a depositor or analyst.
- The Pauls Valley National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Pauls Valley National Bank against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.