# PAULS VALLEY NATIONAL BANK
PAULS VALLEY, OK · FDIC certificate 4173 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $356.6M | |
| Deposits | $327.4M | |
| Loans and leases | $206.1M | |
| Total equity | $23.2M | |
| Loans / deposits | 62.05% (p15 of band) | 82.04% |
| Liquid assets / assets | 36.89% (p78 of band) | |
| Uninsured deposits / deposits | 29.53% (p65 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.48% (p22 of band) | 10.81% |
| Unrealized securities loss / equity | -60.87% (p3 of band) | -8.10% |
| AOCI / equity | -2.95% (p3 of band) | |
| ROA (annualized) | 1.12% (p40 of band) | 1.28% |
| Net interest margin | 3.87% (p47 of band) | 3.91% |
| Efficiency ratio | 66.24% (p65 of band) | |
| Noncurrent loans | 5.72% (p98 of band) | 0.43% |
| Net charge-offs (annualized) | 0.21% (p92 of band) | |
| Reserve coverage of noncurrent | 25.28% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 38.80% (p45 of band) | |
| Auto loans | $9.9M (4.81% of loans; DQ 3.51%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | charge-offs p90, deposits shrinking |  |
| 2012-06 | 3 | assets shrinking | charge-offs p90 |
| 2012-09 | 1 | uninsured deposits leaving | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 2 | capital falling, reserve under noncurrent |  |
| 2013-09 | 0 |  | capital falling, reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 0 |  | uninsured deposits leaving |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | noncurrent p90 |  |
| 2018-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2021-06 | 2 |  | reserve under noncurrent |
| 2021-09 | 3 | reserve under noncurrent |  |
| 2021-12 | 1 |  | charge-offs p90, reserve under noncurrent |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 5 | noncurrent p90, charge-offs p90, reserve under noncurrent | capital falling |
| 2022-09 | 4 |  | noncurrent p90 |
| 2022-12 | 4 | noncurrent p90 | charge-offs p90 |
| 2023-03 | 3 | charge-offs p90 | AOCI drag >20% of equity, noncurrent p90 |
| 2023-06 | 2 |  | reserve under noncurrent |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | charge-offs p90 |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2025-06 | 5 | capital falling, losing money |  |
| 2025-09 | 4 | charge-offs p90 | capital falling, losing money |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-11-29 [PVNB secures grant for Abbott House - gcnewsstar.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE9SRkJGdVJ4VF9jbThEc2JxX280S1B0YWc4eXp3V0R1clA5a21YaF9fN2U1OFNTY2x6UTFfbEVURG9MSURCb25iS0ZvaXB1ZHVLNTBBLS0tNU5GbVlPb1hyV1E5SXhiRDE1enB3?oc=5) · gcnewsstar.com
- 2021-01-26 [Judge Orders Man To Pay $4M After Alleged Facebook Rants Targeting Pauls Valley City Leader - News 9](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNTjFHNHA0bXNnZUNxRURmcEJXaUw4cU9KclNTd3JzVVd6TVNyWUVRZFhWOXVmNFNhX01YYkYtRWhDam51UzFOMXFMaFBxUjJtR2s2N2lnOEgxMENnS2c5MUt1UklqY3B4MW4tTEh5ZXZ2MkxGZ3dOU2RKdXFaUkZseGt5Wm13R2l4SVA5UmhRaVM4Ty1uRTFFWkhnT3JzdWRrWTlTMUs0UFppQXZKREtNWUI3T3B4NFlDamZWUDYzYTdaVnh6dVYyOEtONHFLS2NFNVozRDd1V2o3OEp6?oc=5) · News 9
- 2026-09-09 [Drives meant to help blood supplies - Pauls Valley Democrat](https://news.google.com/rss/articles/CBMiywFBVV95cUxNUnJJcktuMXJFOXczRmVramZuMW13YVh5Y1JWZXk3SngyVlI2U0tPMVN6UFpZZ0E4N1JQcmxKT3VaZWtTcWJBRGtuS1hZVDlPeFgxVmpXSlRqbEdPd2VYRE16Zi1xa0JZT1dMU2R5RDk0M3FYNFFIanJ6WHExRDAwSFRHeG9PY0hhZ3ZoOEdmQWNOUTJhank0ZzJTT0hTbDY4U25sSzVVWU5JMHU3NVNxQUMwM1RraHVWY21wcEN4dUdPMWNtT0h2dWJiVQ?oc=5) · Pauls Valley Democrat
- 2020-11-18 [Native American-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMifkFVX3lxTE9MQVNiajFseGo2LW5UQVNLbzVEbHdCM1Jlekl3TDI0MnZuTWNuRDhMc1h6Nnc1STA4NU1jUnlFLXJ4NEs4Nm5pdG05UC1JYUhZRVljcnl0a1YyWUVnZzhQNkRSOXU2TVQwTmJRbWwwOUNkQ01EOE9SaDBzNTR1dw?oc=5) · Investopedia
- 2024-06-18 [Native American-Owned Banks and Credit Unions - NerdWallet](https://news.google.com/rss/articles/CBMiowFBVV95cUxOVkpYMnRXLXVURmF4UFZIMEZkWHBWYl9HZ25QZDREeXEyczZ5di1fYVVfSy03ck9FdTJRZWhrQk1UOUJSelh4Vkc4b0tPdzlmQWlzRm5wc1ZGMk93ekV6eE1YbVJvaC1GZ0Y3V3hNbDk4M2hHZzFOWVZLYVQtNUQwblV2UjlWTk5WRi13OEtzNFIzMVNrdXI3RUNQbTItMk9RTmJr?oc=5) · NerdWallet
- 2012-08-11 [Pauls Valley civic leader, businessman Bill Humphrey dies - The Oklahoman](https://news.google.com/rss/articles/CBMivgFBVV95cUxQRVZJcmhNNzRlNkZlb1RYVVpMQkZ5NE1lcndPYTlDTW1lbHByRGxWNTlZcnJjRFkxNkVYZ1dVTS1wTWxvcmZUMExEZk44dW14eGw4NXdkYlBOdjdlN2VEdThmVFl6UU9aNUE3RllXRmtNaFRaakdNeG9TQWRWMzQxeGhSbUhncG41aThUN2Zia2lEUUZsMk5lbF9LTWRTSnhiZjFsUFRrNEVDQ1ZWRjRiMzRMUy1zWXBaTXh6TU9B?oc=5) · The Oklahoman
- 2023-06-12 [Extended Stay Hosts $4.5M Transaction (Real Deals) - Arkansas Business](https://news.google.com/rss/articles/CBMikgFBVV95cUxPNlBYZmJQSFFkMU5OQUc4Z25JNTRSR043M3dibElpcm54NVI2MGdoWHBHSTUxUXM5Y2RMTmxncFRZaWg1X0pqLUx0UXhOejBhdy1pbFdPSVpINXAwUG9IUE5tUENVd3ctN3Q0WDROVFZfMGRKeE5EYzV5WWtvcC1LZlRDWF9XdDVhRS1xbFRpdzkzUQ?oc=5) · Arkansas Business
- 2021-06-16 [Swim lessons still there for the kids - Pauls Valley Democrat](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNNzZHTW9YcHJQeHg1WWNSMVVINHctU1RTRUFRRktTRWtURF9vSkhUTEtZNjVSeU0tclhoekxKQlpfcnE3RXJUZEdveHZHeUtrVGNld21MMjEzUHp5OVdkdDc0NXNfdzZkbzFCeDQ1UU85WG1rREV1ekdqLTd1V2FIUURPWElPOE9uNzFORWxiUDRYaFgtS2xvODBHSTV2SW9VQ19xVXBDQzIyb2xxY2FFWV9KZWFnalo3Y2IxNEpIc0xLSjQzM0VGSzh2XzJKTGZBcndFNA?oc=5) · Pauls Valley Democrat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4173 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/13.json (key "4173", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide