BlastPoint's Banking Scorecard
The Pauls Valley National Bank
Micro
Specialty: Commercial
OK
FDIC cert 4173
Designations: ✓ Community bank
Pauls Valley, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The Pauls Valley National Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.42% above tier
- - Nonperforming Asset Ratio 3.12% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$348.6M
+7.2% YoY
+2.3% QoQ
|
+$131.1M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$205.2M
+4.5% YoY
-1.9% QoQ
|
+$66.1M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$321.0M
+7.0% YoY
+2.3% QoQ
|
+$137.3M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
85% |
| Return on Assets ? |
0.65%
-39.8% YoY
+32.2% QoQ
|
-0.43% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.97%
+1.9% YoY
-0.1% QoQ
|
+0.12% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
62.44%
-1.2% YoY
+1.3% QoQ
|
-5.29% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
6.06%
+5.9% QoQ
|
+5.42% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
63.94%
-2.3% YoY
-4.2% QoQ
|
-10.58% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
36.39%
-3.1% YoY
+2.1% QoQ
|
+13.99% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
3.57%
+1.6% QoQ
|
+3.12% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
11.90%
+4.0% QoQ
|
+3.05% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.45%
-16.2% YoY
+26.6% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.06%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.57%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.39% · Tier avg: 22.39%
85
85th pctile
Total Deposits
Current: $321.0M · Tier avg: $183.7M
80
80th pctile
Total Assets
Current: $348.6M · Tier avg: $217.5M
75
75th pctile
Total Loans
Current: $205.2M · Tier avg: $139.2M
62
62th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
60
60th pctile
Efficiency Ratio
Current: 62.44% · Tier avg: 67.73%
58
58th pctile
Tier 1 Capital Ratio
Current: 11.90% · Tier avg: 8.85%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
29
29th pctile
Loan-to-Deposit Ratio
Current: 63.94% · Tier avg: 74.53%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
0
0th pctile
Delinquency Rate
Current: 6.06% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.57% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.57% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 6.06% · Tier avg: 0.64%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
29
29th pctile
Loan-to-Deposit Ratio
Current: 63.94% · Tier avg: 74.53%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
58
58th pctile
Tier 1 Capital Ratio
Current: 11.90% · Tier avg: 8.85%
60
60th pctile
Efficiency Ratio
Current: 62.44% · Tier avg: 67.73%
62
62th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
75
75th pctile
Total Loans
Current: $205.2M · Tier avg: $139.2M
80
80th pctile
Total Assets
Current: $348.6M · Tier avg: $217.5M
85
85th pctile
Total Deposits
Current: $321.0M · Tier avg: $183.7M
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.39% · Tier avg: 22.39%