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

Deposit mix

NIM

Earnings: ROA of 1.13%, up 26 bps year over year; NIM at 2.92%.
Asset quality: problem loans at 1.67% of loans (-26 bps YoY), with net charge-offs at 0.50%.

Return on Assets (quarter, annualized)

1.13%+26 bps YoY

Net Interest Margin (quarter, annualized)

2.92%+36 bps YoY

Efficiency Ratio (quarter, annualized)

57.58%-800 bps YoY

Tier 1 Leverage Ratio

12.18%+25 bps YoY

Discrete quarter, annualized.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.87%	0.85%	0.85%	0.59%	1.13%	+26 bps
Return on Equity	20.41%	16.87%	15.40%	10.54%	18.80%	-160 bps
Net Interest Margin	2.56%	2.73%	2.72%	2.84%	2.92%	+36 bps
Efficiency Ratio	65.58%	67.41%	65.85%	57.42%	57.58%	-800 bps
Non-Interest Burden	1.51%	1.67%	1.62%	1.39%	1.46%	-5 bps
Growth
Asset Growth (YoY)	0.11%	3.28%	4.42%	1.89%	2.40%	+230 bps
Loan Growth (YoY)	11.08%	6.15%	8.51%	11.01%	7.73%	-335 bps
Deposit Growth (YoY)	-4.07%	2.64%	1.48%	0.14%	0.45%	+452 bps
Asset Quality
Nonperforming Loans / Loans	1.93%	1.94%	3.45%	3.27%	1.67%	-26 bps
Net Charge-Offs / Loans	0.03%	0.01%	0.06%	0.28%	0.50%	+47 bps
Allowance / Loans	1.89%	1.93%	1.85%	1.77%	1.72%	-17 bps
Allowance Coverage of NPLs	1.0x	1.0x	0.5x	0.5x	1.0x	0.0x
Capital
Tier 1 Leverage Ratio	11.92%	12.07%	11.50%	11.78%	12.18%	+25 bps
Total Risk-Based Capital	11.92%	12.07%	11.50%	11.78%	12.18%	+25 bps
Equity / Assets	4.30%	5.73%	5.37%	5.91%	6.16%	+185 bps
Liquidity & Funding
Loans / Deposits	48.89%	46.89%	45.90%	50.36%	52.43%	+354 bps
Liquid Assets / Assets	0.64%	0.20%	0.19%	0.20%	0.21%	-43 bps
CRE / Total Capital	n/a	45.18%	55.07%	68.79%	n/a	n/a