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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

$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