Side-by-side · Q2 2026 data
The Farmers and Merchants National Bank of Fairview vs First State Bank
Bank
The Farmers and Merchants National Bank of Fairview
Fairview, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | The Farmers and Merchants National Bank of Fairview | First State Bank |
|---|---|---|
| TellerScore | 66 | 79 (stronger) |
| Capital cushion | 72 (stronger) | 59 |
| Loan quality | 44 | 86 (stronger) |
| Earnings | 64 | 88 (stronger) |
| Funding & liquidity | 87 (stronger) | 82 |
| Problem-loan coverage | 78 | 95 (stronger) |
| Peer percentile | 31st | 75th |
| Total assets | $118.7M | $100.3M |
| Deposits / shares | $103.2M | $88.9M |
| Capital ratio | 12.18% (stronger) | 10.91% |
| Problem loans | 1.67% | 0.43% (stronger) |
| Net charge-offs | 0.39% | 0.09% (stronger) |
| Return on assets | 1.09% | 1.71% (stronger) |
| Loans ÷ deposits | 51.5% (stronger) | 73.9% |
| Uninsured deposits | 27.0% | 18.9% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (79 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Farmers and Merchants National Bank of Fairview leads on 2 and First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.