The Pauls Valley National Bank


The Pauls Valley National Bank is an FDIC insured institution headquartered at 101 W Paul Ave, Pauls Valley, OK 73075.
It was founded in 1905 and has approximately $0 billion in assets. Customers can open an account at one of its 6 branches.

Deposit Rates - December 24, 2025

SAVINGS RATES APY MIN
CD RATES APY MIN
6 Mo CD
0.35% $10,000 Compare
6 Mo CD
0.35% $100,000 Compare
12 Mo CD
0.50% $10,000 Compare
12 Mo CD
0.50% $100,000 Compare
24 Mo CD
0.60% $10,000 Compare
24 Mo CD
0.60% $100,000 Compare
36 Mo CD
0.70% $10,000 Compare
36 Mo CD
0.70% $100,000 Compare
48 Mo CD
0.75% $10,000 Compare
48 Mo CD
0.75% $100,000 Compare
60 Mo CD
0.80% $10,000 Compare
60 Mo CD
0.80% $100,000 Compare
MM RATES APY MIN
Money Market
0.25% $2,500 Compare
Money Market
0.25% $10,000 Compare
Money Market
0.25% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.15% $2,500




Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4173
Date Established 1905
Assets $ 345.04 million
Loans $ 203.76 million
Deposits $ 319.88 million
Capital $ 18.35 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 17.26 million
Interest-bearing balances $ 15.90 million
Total securities $ 95.77 million
Federal funds sold and reverse repurchase $ 6.51 million
Net loans and leases $ 203.76 million
Loan loss allowance $ 4.62 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 15.27 million
     Total Assets $ 326.69 million

LIABILITIES
Total deposits $ 319.88 million
      Interest-bearing deposits $ 205.50 million
      Deposits held in domestic offices $ 319.88 million
      % insured (estimated)" 71.46%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 5.68 millionn
      Total Liabilities $ 326.69 million
      Shareholders’ Equity $ 18.35 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 9.37 million
Total Interest Expense $ 3.18 million
Net interest income $ 6.19 million
Provision for loan and lease losses $ 2.22 million
Total non interest income $ 0.74 million
Total non interest expense $ 4.39 million
Pre-tax Net Operating Income $ 1.54 million

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Branches

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The Pauls Valley National Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Bank
    OKLAHOMA
    $50,000
    N.A.
    0.80%
    3.56x (National Avg. - 0.23%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.80%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 2
    ONLINE SAVINGS
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085