BlastPoint's Banking Scorecard
The Farmers and Merchants National Bank of Fairview
Micro
Specialty: Agricultural
OK
FDIC cert 4097
Designations: ✓ Community bank
Fairview, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The Farmers and Merchants National Bank of Fairview has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 29.47% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.87% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$131.1M
+4.4% YoY
+7.1% QoQ
|
-$86.4M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$51.8M
+8.6% YoY
+6.0% QoQ
|
-$87.4M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$114.9M
+1.5% YoY
+8.2% QoQ
|
-$68.8M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
1.13%
+10.0% YoY
-2.0% QoQ
|
+0.04% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
2.95%
-0.3% YoY
+0.7% QoQ
|
-0.91% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
64.98%
-4.3% YoY
+0.5% QoQ
|
-2.75% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
3.51%
+77.5% QoQ
|
+2.87% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
45.05%
+7.0% YoY
-2.0% QoQ
|
-29.47% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.37%
-13.0% YoY
-7.9% QoQ
|
+0.97% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
1.39%
+75.7% QoQ
|
+0.93% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.56%
+10.6% YoY
+19.4% QoQ
|
0 |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
45.05%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.51%
(Tier avg: 0.64%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Loan-to-Deposit Ratio
Current: 45.05% · Tier avg: 74.53%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.37% · Tier avg: 22.39%
54
54th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.08%
53
53th pctile
Efficiency Ratio
Current: 64.98% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Total Deposits
Current: $114.9M · Tier avg: $183.7M
32
32th pctile
Total Assets
Current: $131.1M · Tier avg: $217.5M
21
21th pctile
Total Loans
Current: $51.8M · Tier avg: $139.2M
14
14th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.85%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.39% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.51% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.51% · Tier avg: 0.64%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.39% · Tier avg: 0.45%
14
14th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.85%
21
21th pctile
Total Loans
Current: $51.8M · Tier avg: $139.2M
32
32th pctile
Total Assets
Current: $131.1M · Tier avg: $217.5M
34
34th pctile
Total Deposits
Current: $114.9M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Efficiency Ratio
Current: 64.98% · Tier avg: 67.73%
54
54th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.08%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.37% · Tier avg: 22.39%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
91
91th pctile
Loan-to-Deposit Ratio
Current: 45.05% · Tier avg: 74.53%