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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 $1.1MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $38.8M24%Noninterest $12.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.51%, down 18 bps year over year; NIM at 3.99%.
  • 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.

Return on Assets (quarter, annualized)

1.51%-18 bps YoY

Net Interest Margin (quarter, annualized)

3.99%-8 bps YoY

Efficiency Ratio (quarter, annualized)

55.75%-21 bps YoY

Tier 1 Leverage Ratio

20.76%-89 bps YoY

NIM

5.33%Q2 ’245.44%Q2 ’255.31%Q2 ’26+4%-2%

Non-interest income vs. expense

2.22%Q2 ’242.35%Q2 ’252.29%Q2 ’26+10%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.58%-0.14%1.36%1.69%1.62%0.15%1.46%1.51%-18 bps
Return on Equity6.99%-0.62%6.31%7.81%7.32%0.71%6.88%7.23%-58 bps
Net Interest Margin3.99%3.97%3.87%4.07%4.12%4.12%4.00%3.99%-8 bps
Efficiency Ratio54.69%96.15%61.54%55.97%53.83%87.99%56.18%55.75%-21 bps
Non-Interest Burden2.09%3.81%2.32%2.22%2.16%3.61%2.19%2.17%-5 bps
Growth
Asset Growth (YoY)6.35%5.65%8.07%8.07%7.22%8.55%7.72%11.69%+362 bps
Loan Growth (YoY)7.26%-1.57%1.79%3.73%2.87%6.93%3.15%-1.86%-559 bps
Deposit Growth (YoY)2.15%6.48%13.70%13.63%12.24%11.96%8.20%13.31%-32 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.00%0.00%0.12%0.11%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.01%0.00%0.00%0.01%0.00%-1 bps
Allowance / Loans0.56%0.56%0.56%0.54%0.54%0.53%0.57%0.61%+8 bps
Allowance Coverage of NPLsn/a40.0xn/an/a4.6x4.6xn/an/an/a
Capital
Tier 1 Leverage Ratio22.92%22.15%21.58%21.65%22.11%21.53%21.43%20.76%-89 bps
Total Risk-Based Capital22.92%22.15%21.58%21.65%22.11%21.53%21.43%20.76%-89 bps
Equity / Assets22.64%22.02%21.26%21.90%22.25%21.44%20.89%20.73%-118 bps
Liquidity & Funding
Loans / Deposits106.72%100.23%93.09%98.26%97.81%95.73%88.75%85.10%-1,316 bps
Liquid Assets / Assets15.34%13.84%11.36%11.85%11.43%11.50%10.86%11.93%+8 bps
CRE / Total Capitaln/an/an/an/a42.73%44.98%44.83%n/an/a