The Pauls Valley National Bank: how it compares with its peers
Against 71 OK banks with half to twice its assets, The Pauls Valley National Bank's strongest measure in Q2 2026 is assets per employee ($6.3M vs. a $6.4M peer median). Its weakest relative measure is net interest margin (3.87% vs. 4.21%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.12% | 1.50% | Bottom third Ahead of 30% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.87% | 4.21% | Bottom third Ahead of 24% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.24% | 60.95% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $6.4M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.05% | 76.50% | Context |
What it means for lending operations
Its efficiency ratio of 66.24% is above the 60.95% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Sooner State Bank Tuttle, OK · $355M
- Frazer Bank Altus, OK · $354M
- Citizens Bank of Ada Ada, OK · $354M
- Cowboy Bank Kremlin, OK · $350M
- The First Security Bank Beaver, OK · $335M
- Bank of Commerce Duncan, OK · $334M
Questions about The Pauls Valley National Bank
How big is The Pauls Valley National Bank?
The Pauls Valley National Bank, established in 1905, is headquartered in Pauls Valley, OK. It reported $357M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is The Pauls Valley National Bank's return on assets?
1.12% annualized in Q2 2026, against a 1.50% median for 71 OK banks with half to twice its assets, ahead of 30% of them.
What is The Pauls Valley National Bank's efficiency ratio?
66.24% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 60.95%, and lower is better.
Is The Pauls Valley National Bank growing its loans?
Net loans shrank 0.3% over the year to Q2 2026, while deposits grew 2.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.