PackageTrendsPeer
Letter portraitLegal landscape

Fairview Savings and Loan Association

Fairview, OK · Cert 28652

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

91

Q2 2024Q2 2026peer median (50)

Asset Quality

89

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

70

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Fairview Savings and Loan Association

Fairview, OK · Cert 28652

State savings bank · OCC · 1 branch

Q2 2026

$65.1MAssets
$43.7MLoans
$51.4MDeposits
$13.5MEquity
Loan mix
94%RE $39.7M4%C&I $1.5M3%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $38.8M24%Noninterest $12.5MQ2 2025Q2 2026

NIM

5.24%Q2 ’245.31%Q2 ’255.18%Q2 ’26+1%-1%

Non-interest income vs. expense

2.14%Q2 ’242.40%Q2 ’252.25%Q2 ’26+17%-6%

Executive Summary

  • Earnings: ROA of 1.48%, down 5 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 20.76%, down 89 bps from a year ago.
  • Funding: loans stand at 85.10% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.90%-5 bps YoY

Efficiency Ratio (YTD, annualized)

55.96%-271 bps YoY

Tier 1 Leverage Ratio

20.76%-89 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.56%1.20%1.46%1.48%-5 bps
Return on Equity7.06%7.15%5.51%6.88%7.06%-1 bps
Net Interest Margin3.94%4.01%3.95%4.00%3.90%-5 bps
Efficiency Ratio58.67%57.02%65.05%56.18%55.96%-271 bps
Non-Interest Burden2.25%2.23%2.52%2.19%2.12%-13 bps
Growth
Asset Growth (YoY)8.07%7.22%8.55%7.72%11.69%+362 bps
Loan Growth (YoY)3.73%2.87%6.93%3.15%-1.86%-559 bps
Deposit Growth (YoY)13.63%12.24%11.96%8.20%13.31%-32 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.12%0.11%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.00%0 bps
Allowance / Loans0.54%0.54%0.53%0.57%0.61%+8 bps
Allowance Coverage of NPLsn/a4.6x4.6xn/an/an/a
Capital
Tier 1 Leverage Ratio21.65%22.11%21.53%21.43%20.76%-89 bps
Total Risk-Based Capital21.65%22.11%21.53%21.43%20.76%-89 bps
Equity / Assets21.90%22.25%21.44%20.89%20.73%-118 bps
Liquidity & Funding
Loans / Deposits98.26%97.81%95.73%88.75%85.10%-1,316 bps
Liquid Assets / Assets11.85%11.43%11.50%10.86%11.93%+8 bps
CRE / Total Capitaln/a42.73%44.98%44.83%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Fairview Savings and Loan Association

Fairview, OK · Cert 28652 · Peer group: banks under $1B in assets in OK (n=88-89)

State savings bank · OCC · 1 branch

Q2 2026

$65.1MAssets
$43.7MLoans
$51.4MDeposits
$13.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in OK (rank 12 of 88).
  • Widest gap: return on equity trails 79% of banks under $1B in assets in OK (rank 70 of 89).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.44%

Rank 30 of 89

Net Interest Margin

3.90%

Rank 47 of 89

Efficiency Ratio

55.96%

Rank 28 of 89

Equity / Assets

20.73%

Rank 3 of 89

Non-interest income vs. expense

$0.1M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 70% of banks under $1B in assets in OK
Bank 55.96%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.44%0.85%1.26%1.60%Beats 66%30 / 89
Return on Equity6.93%7.40%11.89%14.65%Beats 21%70 / 89
Net Interest Margin3.90%3.46%3.93%4.45%Beats 47%47 / 89
Efficiency Ratio55.96%54.70%60.95%71.14%Beats 70%28 / 89
Asset Quality
Nonperforming Loans / Loans0.00%0.30%0.82%2.25%Beats 100%12 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 78%20 / 88
Capital
Tier 1 Capital Ratio20.76%10.89%13.00%16.33%Beats 90%9 / 89
Total Risk-Based Capital Ratio20.76%11.20%13.06%16.33%Beats 85%13 / 89
Equity / Assets20.73%9.26%10.94%13.52%Beats 97%3 / 89
Liquidity & Funding
Loans / Deposits85.10%61.51%72.27%84.01%80th pctl18 / 88
Loans / Assets67.10%52.51%63.15%71.27%60th pctl36 / 89
Brokered Deposits / Depositsn/aNot reported for this institution