Farmers and Merchants National Bank of Fairview, The
Fairview, OK · Cert 4097 · Peer group: banks under $1B in assets in OK (n=87-88) · 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 88).
- Widest gap: equity / assets trails 95% of banks under $1B in assets in OK (rank 84 of 88).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.90%
Rank 64 of 88
Net Interest Margin
2.91%
Rank 83 of 88
Efficiency Ratio
57.50%
Rank 33 of 88
Equity / Assets
6.16%
Rank 84 of 88
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 64% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.85% | 1.26% | 1.62% | Beats 27% | 64 / 88 | |
| Return on Equity | 14.65% | 7.40% | 11.89% | 14.66% | Beats 74% | 23 / 88 | |
| Net Interest Margin | 2.91% | 3.51% | 3.93% | 4.47% | Beats 6% | 83 / 88 | |
| Efficiency Ratio | 57.50% | 54.70% | 61.50% | 71.28% | Beats 64% | 33 / 88 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.67% | 0.30% | 0.82% | 2.25% | Beats 32% | 60 / 87 | |
| Net Charge-Offs / Loans | 0.20% | 0.00% | 0.03% | 0.20% | Beats 25% | 66 / 87 | |
| Capital |
| Tier 1 Capital Ratio | 12.18% | 10.89% | 13.04% | 16.40% | Beats 40% | 53 / 88 | |
| Total Risk-Based Capital Ratio | 12.18% | 11.20% | 13.09% | 16.43% | Beats 40% | 53 / 88 | |
| Equity / Assets | 6.16% | 9.26% | 10.95% | 13.63% | Beats 5% | 84 / 88 | |
| Liquidity & Funding |
| Loans / Deposits | 52.43% | 60.39% | 72.27% | 84.01% | 20th pctl | 70 / 87 | |
| Loans / Assets | 45.60% | 52.51% | 63.37% | 71.46% | 22nd pctl | 69 / 88 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |