The Pauls Valley National Bank

101 West Paul Avenue
Pauls Valley, OK 73075

Notable Rates APY Vs.Others
Savings 0.80% 2.20% →
1-Year CD 1.00% 2.25% →
2-Year CD 1.21% 2.30% →
5-Year CD 2.07% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

The Pauls Valley National Bank is an FDIC insured institution located in Pauls Valley, OK. It was founded in 1905 and has approximately $0.25 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 4173
Date Established 1905
Assets $0.25 billion
Loans $0.15 billion
Deposits $0.21 billion
Capital $0.03 billion
 

For a more detailed analysis of The Pauls Valley National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - January 25, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $1,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.50% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
0.75% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
1.00% $1,000 $99,999 Learn MoreShow Less
24 Mo CD
1.21% $1,000 $99,999 Learn MoreShow Less
36 Mo CD
1.76% $1,000 $99,999 Learn MoreShow Less
48 Mo CD
2.02% $1,000 $99,999 Learn MoreShow Less
60 Mo CD
2.07% $1,000 $99,999 Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.00% $100 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $500 - Learn MoreShow Less

Loan Rates - January 25, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The Pauls Valley National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.384% 3.375% 0.13 $285 $1,106 Learn More
First Internet Bank
NMLS ID: 424182
3.516% 3.500% 0.25 $505 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to The Pauls Valley National Bank
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Branches

The Pauls Valley National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


The Pauls Valley National Bank Locations


Financial Details

The Pauls Valley National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Pauls Valley National Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The Pauls Valley National Bank U.S. Bank Average
3.58% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, The Pauls Valley National Bank had $1,042,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $27,358,000 in equity and $1,770,000 in loans loss reserves. That gives it a Texas Ratio of 3.58%.

Return on Equity
The Pauls Valley National Bank U.S. Bank Average
7.63% 9.72%

The Pauls Valley National Bank has a Return on Equity of 7.63% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The Pauls Valley National Bank U.S. Bank Average
11.12% 12.89%

The Pauls Valley National Bank has a Capitalization of 11.12% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The Pauls Valley National Bank Balance Sheet Analysis

As of September 30, 2019, The Pauls Valley National Bank had assets of $245,922,000, loans of $148,483,000, and deposits of $213,047,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.08 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.15 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.22 billion
LIABILITIES
Total deposits $0.21 billion
      Interest-bearing deposits $0.16 billion
      Deposits held in domestic offices $0.21 billion
      % insured (estimated) 81.85%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.22 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

September 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in The Pauls Valley National Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Oklahoma, The Pauls Valley National Bank has a significantly higher percent of Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 7.86
Multifamily
Mortgages
0.75
Credit Card Loans 0.00
Consumer Auto Loans 7.06
Small Business Loans 0.00
Construction and Development Loans 0.86
Commercial Real Estate 32.59
Commercial and Industrial Loans 27.08
Farm Loans 4.43

Frequently Asked Questions About The Pauls Valley National Bank

Branches and Savings

Is The Pauls Valley National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #4173.

Why does The Pauls Valley National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The Pauls Valley National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The Pauls Valley National Bank a commercial bank?

Yes

Where are The Pauls Valley National Bank locations?

See branch locations nearby.

Is The Pauls Valley National Bank open on Saturdays?

Is The Pauls Valley National Bank open on Sundays?

What time does The Pauls Valley National Bank open?

What time does The Pauls Valley National Bank close?

Are The Pauls Valley National Bank ATMs Open 24/7?

Do The Pauls Valley National Bank ATMs accept cash deposits?

Can The Pauls Valley National Bank customers use other ATMs?

Do The Pauls Valley National Bank branches have notaries?

Will The Pauls Valley National Bank notarize my document?

What address for The Pauls Valley National Bank should I put for incoming ACH transfers?

Will the The Pauls Valley National Bank branch print checks?

Do The Pauls Valley National Bank checks expire?

Does The Pauls Valley National Bank require US citizenship to open account?

Can The Pauls Valley National Bank close my account?

Does The Pauls Valley National Bank Report to credit bureaus?

Does The Pauls Valley National Bank Use Equifax?

What is The Pauls Valley National Bank's ACH Routing Number?

What is The Pauls Valley National Bank's SWIFT code?

Products

Does The Pauls Valley National Bank offer mortgages?

Compare mortgage rates here.

Does The Pauls Valley National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Pauls Valley National Bank offer personal loans?

Compare personal loan rates here.

Does The Pauls Valley National Bank offer student loans?

Will The Pauls Valley National Bank cash a check?

Will The Pauls Valley National Bank redeem a savings bond?

Does The Pauls Valley National Bank cash savings bonds?

Will The Pauls Valley National Bank cash money orders?

Can The Pauls Valley National Bank issue a money order?

Does The Pauls Valley National Bank do currency exchange?

Background on The Bank

Who owns The Pauls Valley National Bank?

How long has The Pauls Valley National Bank been around?

Can The Pauls Valley National Bank transfer to other banks?

Does The Pauls Valley National Bank have quick pay?

Does The Pauls Valley National Bank accept rolled coins?

Will The Pauls Valley National Bank accept loose change?

Where is The Pauls Valley National Bank headquarters?

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