BlastPoint's Banking Scorecard

Fairview Savings and Loan Association

under $100M Specialty: Agricultural OK FDIC cert 28652

Designations: ✓ Community bank ✓ Mutual

Fairview, OK

541 banks in the under $100M peer group nationally 38 in OK

Fairview Savings and Loan Association shows strong momentum with 5 strengths and 7.7% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ ROA 0.62% above tier average
+ Net Interest Margin 0.23% above tier average
+ Efficiency Ratio 32.16% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$63.5M +7.7% YoY +4.4% QoQ	+$1.3M	$62.2M -0.6% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	50%
Total Loans ?	$44.0M +3.1% YoY -2.6% QoQ	+$9.8M	$34.2M -1.4% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	68%
Total Deposits ?	$49.9M +8.2% YoY +5.1% QoQ	-$1.8M	$51.7M -0.7% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	45%
Return on Assets ?	1.46% +6.6% YoY +21.3% QoQ	+0.62%	0.84% -2.3% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	76%
Net Interest Margin ?	4.09% +1.8% YoY -2.7% QoQ	+0.23%	3.86% +2.8% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	62%
Efficiency Ratio ?	56.18% -8.7% YoY -13.6% QoQ	-32.16%	88.34% +0.3% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	83%
Delinquency Rate ?	0.00% -100.0% QoQ	-1.37%	1.37% +33.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	88.24% -4.7% YoY -7.3% QoQ	+24.03%	64.22% -0.7% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	23.18% +13.0% YoY -5.0% QoQ	-0.54%	23.71% +0.3% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	50%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.79%	0.79% +28.2% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	21.43% -0.7% YoY -0.5% QoQ	-5.25%	26.68% +2.0% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.03% -15.2% YoY -74.9% QoQ	-0.63%	0.67% +1.9% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	26%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Efficiency Ratio

profitability

Value: 56.18%

Peer Median: 88.34%

#95 of 541 Top 17.4% in under $100M

131

Return on Assets

profitability

Value: 1.46%

Peer Median: 0.84%

#131 of 541 Top 24.0% in under $100M

Top Weaknesses (1 metrics)

451

Loan-to-Deposit Ratio

liquidity

Value: 88.24%

Peer Median: 64.22%

#451 of 541 Bottom 16.8% in under $100M