TellerScore

The Farmers and Merchants National Bank of Fairview (FDIC certificate #4097) is based in Fairview, Oklahoma. Its Q2 2026 call report shows $118.7M in total assets and $103.2M in deposits and 1 office.

Based on its Q2 2026 filing, The Farmers and Merchants National Bank of Fairview scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 106th. Its strongest component is funding & liquidity (87/100; 52% loans-to-deposits, 27% uninsured), and its lowest is loan quality (44/100; 1.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Tier 1 leverage ratio: 12.18%
Loan quality44/100
Noncurrent loans ÷ total loans: 1.67%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity87/100
Loans ÷ deposits and uninsured-deposit share: 51.5% · 27.0% uninsured
Problem-loan coverage78/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.96%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (63 → 66), mostly because the problem-loan coverage component improved by 11 points.

TellerScore
496580Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202478
Q4 202477
Q1 202562
Q2 202563
Q3 202564
Q4 202550
Q1 202649
Q2 202666
Tier 1 leverage ratio
5.00%8.59%12.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.60%
Q3 202411.79%
Q4 202411.46%
Q1 202511.76%
Q2 202511.92%
Q3 202512.07%
Q4 202511.50%
Q1 202611.78%
Q2 202612.18%
Noncurrent loans
0.06%1.76%3.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.06%
Q3 20240.39%
Q4 20240.14%
Q1 20252.03%
Q2 20251.93%
Q3 20251.94%
Q4 20253.45%
Q1 20263.27%
Q2 20261.67%
Return on assets
0.76%1.02%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.18%
Q3 20241.09%
Q4 20241.02%
Q1 20251.28%
Q2 20251.20%
Q3 20251.15%
Q4 20251.13%
Q1 20260.76%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$118.7M12.18%1.67%1.09%51.5%
Q1 202649$125.1M11.78%3.27%0.76%49.5%
Q4 202550$131.1M11.50%3.45%1.13%45.1%
Q3 202564$122.4M12.07%1.94%1.15%46.0%
Q2 202563$115.9M11.92%1.93%1.20%48.0%
Q1 202562$122.7M11.76%2.03%1.28%44.6%
Q4 202477$125.6M11.46%0.14%1.02%42.1%
Q3 202478$118.6M11.79%0.39%1.09%44.4%
Q2 202480$115.8M11.60%0.06%1.18%41.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.18%
67th
Total risk-based capital0.00%
24th
Problem loans1.67%
16th
Net charge-offs0.39%
7th
Return on assets1.09%
40th
Net interest margin3.23%
17th
Efficiency ratio57.5%
65th
Loans to deposits51.5%
91st
Uninsured deposits27.0%
39th
Loan-loss reserves1.72%
88th
Texas ratio11.0%
16th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Community BankBank Bristow, OK71 out of 100, Strong$119.1M10.1%0.86%vs
First BankBank Erick, OK93 out of 100, Very strong$118.0M14.2%0.27%vs
CorebankBank Waynoka, OK83 out of 100, Strong$122.1M11.8%0.00%vs
Cleo State BankBank Cleo Springs, OK80 out of 100, Strong$122.5M16.4%2.12%vs
Great Nations BankBank Norman, OK70 out of 100, Strong$113.8M10.3%0.10%vs
Monument BankBank Poteau, OK76 out of 100, Strong$112.8M9.9%0.27%vs

Deposit insurance

Is my money safe at The Farmers and Merchants National Bank of Fairview?

Yes. The Farmers and Merchants National Bank of Fairview is an FDIC-insured institution (FDIC certificate #4097). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.0% of deposits ($27.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.18%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

The Farmers and Merchants National Bank of Fairview lists 1 office in 1 city. Most locations:

  • Fairview, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Farmers and Merchants National Bank of Fairview
Type
National bank
FDIC certificate #
4097
RSSD ID
73152
Primary regulator
OCC
Holding company
Fairview Bancshares Inc
Established
January 1, 1907
Headquarters
312 N Main St, Fairview, OK 73737
Employees
16

Quick answers

The Farmers and Merchants National Bank of Fairview: common questions

Is The Farmers and Merchants National Bank of Fairview FDIC insured?

Yes. The Farmers and Merchants National Bank of Fairview is an FDIC-insured institution (FDIC certificate #4097). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Farmers and Merchants National Bank of Fairview's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Farmers and Merchants National Bank of Fairview ever failed?

There is no failure record for FDIC certificate #4097 in the FDIC failed bank list.

How many branches does The Farmers and Merchants National Bank of Fairview have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fairview

InstitutionScoreAssetsCapitalProblem loansCompare
Fairview Savings and Loan AssociationBank Fairview, OK92 out of 100, Very strong$65.1M20.8%0.00%vs
Cowboy BankBank Kremlin, OK84 out of 100, Strong$350.3M12.7%0.49%vs
Community State Bank of CantonBank Canton, OK83 out of 100, Strong$73.0M12.9%0.34%vs
Cleo State BankBank Cleo Springs, OK80 out of 100, Strong$122.5M16.4%2.12%vs
Wisdom Heritage BankBank Alva, OK78 out of 100, Strong$601.3M14.2%1.28%vs
F&M BankBank Edmond, OK71 out of 100, Strong$915.3M10.0%0.36%vs