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Farmers and Merchants National Bank of Fairview, The

Fairview, OK · Cert 4097 · Fairview Bancshares Inc.

National charter · 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

28

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

63

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

Farmers and Merchants National Bank of Fairview, The

Fairview, OK · Cert 4097 · Fairview Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$118.7MAssets
$54.1MLoans
$103.2MDeposits
$7.3MEquity
Loan mix
72%RE $30.8M18%C&I $7.6M10%Consumer $4.3MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $76.7M26%Noninterest $26.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.86%, down 9 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 1.67% of loans (-26 bps YoY), with net charge-offs at 0.39%.
  • Capital: tier 1 leverage ratio of 12.18%, up 25 bps from a year ago.
  • Funding: loans stand at 52.43% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.86%-9 bps YoY

Net Interest Margin (YTD, annualized)

2.91%+44 bps YoY

Efficiency Ratio (YTD, annualized)

57.50%-575 bps YoY

Tier 1 Leverage Ratio

12.18%+25 bps YoY

NIM

3.74%Q2 ’243.85%Q2 ’254.17%Q2 ’26-6%+18%

Non-interest income vs. expense

2.03%Q2 ’241.97%Q2 ’251.99%Q2 ’26-13%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.81%1.01%0.94%0.90%0.89%0.59%0.86%-9 bps
Return on Equity26.19%25.94%29.92%25.73%21.62%20.05%10.54%14.78%-1,096 bps
Net Interest Margin2.58%2.55%2.37%2.47%2.57%2.53%2.84%2.91%+44 bps
Efficiency Ratio66.62%67.91%61.00%63.26%64.67%64.98%57.42%57.50%-575 bps
Non-Interest Burden1.55%1.57%1.14%1.33%1.45%1.45%1.39%1.44%+11 bps
Growth
Asset Growth (YoY)3.00%2.57%1.66%0.11%3.28%4.42%1.89%2.40%+230 bps
Loan Growth (YoY)7.53%12.21%11.01%11.08%6.15%8.51%11.01%7.73%-335 bps
Deposit Growth (YoY)-5.27%-1.34%-4.48%-4.07%2.64%1.48%0.14%0.45%+452 bps
Asset Quality
Nonperforming Loans / Loans0.39%0.14%2.03%1.93%1.94%3.45%3.27%1.67%-26 bps
Net Charge-Offs / Loans0.08%0.05%0.07%0.05%0.04%0.04%0.28%0.39%+34 bps
Allowance / Loans2.03%1.96%1.92%1.89%1.93%1.85%1.77%1.72%-17 bps
Allowance Coverage of NPLs5.2x13.6x0.9x1.0x1.0x0.5x0.5x1.0x0.0x
Capital
Tier 1 Leverage Ratio11.79%11.46%11.76%11.92%12.07%11.50%11.78%12.18%+25 bps
Total Risk-Based Capital11.79%11.46%11.76%11.92%12.07%11.50%11.78%12.18%+25 bps
Equity / Assets4.91%2.50%4.25%4.30%5.73%5.37%5.91%6.16%+185 bps
Liquidity & Funding
Loans / Deposits45.34%42.93%45.43%48.89%46.89%45.90%50.36%52.43%+354 bps
Liquid Assets / Assets0.86%0.59%0.60%0.64%0.20%0.19%0.20%0.21%-43 bps
CRE / Total Capitaln/an/an/an/a45.18%55.07%68.79%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

Farmers and Merchants National Bank of Fairview, The

Fairview, OK · Cert 4097 · Peer group: banks under $1B in assets in OK (n=88-89) · Fairview Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$118.7MAssets
$54.1MLoans
$103.2MDeposits
$7.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 74% of banks under $1B in assets in OK (rank 23 of 89).
  • Widest gap: equity / assets trails 96% of banks under $1B in assets in OK (rank 85 of 89).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.90%

Rank 65 of 89

Net Interest Margin

2.91%

Rank 84 of 89

Efficiency Ratio

57.50%

Rank 34 of 89

Equity / Assets

6.16%

Rank 85 of 89

Non-interest income vs. expense

$0.7M$2.6MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 63% of banks under $1B in assets in OK
Bank 57.50%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.90%0.85%1.26%1.60%Beats 27%65 / 89
Return on Equity14.65%7.40%11.89%14.65%Beats 74%23 / 89
Net Interest Margin2.91%3.46%3.93%4.45%Beats 6%84 / 89
Efficiency Ratio57.50%54.70%60.95%71.14%Beats 63%34 / 89
Asset Quality
Nonperforming Loans / Loans1.67%0.30%0.82%2.25%Beats 32%61 / 88
Net Charge-Offs / Loans0.20%0.00%0.03%0.20%Beats 25%67 / 88
Capital
Tier 1 Capital Ratio12.18%10.89%13.00%16.33%Beats 40%53 / 89
Total Risk-Based Capital Ratio12.18%11.20%13.06%16.33%Beats 39%54 / 89
Equity / Assets6.16%9.26%10.94%13.52%Beats 4%85 / 89
Liquidity & Funding
Loans / Deposits52.43%61.51%72.27%84.01%19th pctl71 / 88
Loans / Assets45.60%52.51%63.15%71.27%21st pctl70 / 89
Brokered Deposits / Depositsn/aNot reported for this institution