Side-by-side · Q2 2026 data
The Farmers and Merchants National Bank of Fairview vs Wisdom Heritage 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 | Wisdom Heritage Bank |
|---|---|---|
| TellerScore | 66 | 78 (stronger) |
| Capital cushion | 72 | 92 (stronger) |
| Loan quality | 44 | 57 (stronger) |
| Earnings | 64 (stronger) | 63 |
| Funding & liquidity | 87 | 95 (stronger) |
| Problem-loan coverage | 78 | 90 (stronger) |
| Peer percentile | 31st | 72nd |
| Total assets | $118.7M | $601.3M |
| Deposits / shares | $103.2M | $505.8M |
| Capital ratio | 12.18% | 14.22% (stronger) |
| Problem loans | 1.67% | 1.28% (stronger) |
| Net charge-offs | 0.39% | -0.09% (stronger) |
| Return on assets | 1.09% (stronger) | 1.06% |
| Loans ÷ deposits | 51.5% (stronger) | 59.4% |
| Uninsured deposits | 27.0% | 19.3% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wisdom Heritage Bank has the higher TellerScore (78 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 Wisdom Heritage Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.