Side-by-side · Q2 2026 data
Cleo State Bank vs The Farmers and Merchants National Bank of Fairview
Bank
The Farmers and Merchants National Bank of Fairview
Fairview, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | Cleo State Bank | The Farmers and Merchants National Bank of Fairview |
|---|---|---|
| TellerScore | 80 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 72 |
| Loan quality | 29 | 44 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 92 (stronger) | 87 |
| Problem-loan coverage | 85 (stronger) | 78 |
| Peer percentile | 77th | 31st |
| Total assets | $122.5M | $118.7M |
| Deposits / shares | $103.9M | $103.2M |
| Capital ratio | 16.43% (stronger) | 12.18% |
| Problem loans | 2.12% | 1.67% (stronger) |
| Net charge-offs | 0.32% (stronger) | 0.39% |
| Return on assets | 2.29% (stronger) | 1.09% |
| Loans ÷ deposits | 65.0% | 51.5% (stronger) |
| Uninsured deposits | 17.7% (stronger) | 27.0% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cleo State Bank has the higher TellerScore (80 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Cleo State Bank leads on 5 and The Farmers and Merchants National Bank of Fairview on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.