BlastPoint's Banking Scorecard

The Farmers and Merchants National Bank of Fairview

$100M-$1B Specialty: Agricultural OK FDIC cert 4097

Fairview, OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
Deposits +0.4% year over year ($103.2M on the books).
Delinquency rate 1.70%.
Return on assets 1.09%.
Efficiency ratio 57.50% vs a 64.48% peer average.
Loan-to-deposit ratio 51.53% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK

View $100M-$1B leaderboard (OK) →

The Farmers and Merchants National Bank of Fairview has 1 strength but faces 3 concerns

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

+ Efficiency Ratio 6.98% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 39.4% in tier
- Net Interest Margin 0.75% below tier average
- Delinquency Rate 0.78% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$118.7M +2.4% YoY -5.1% QoQ	-$267.9M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	Bottom 5.2% in tier
Total Loans ?	$53.2M +7.9% YoY -1.0% QoQ	-$205.2M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	Bottom 3.4% in tier
Total Deposits ?	$103.2M +0.4% YoY -5.0% QoQ	-$223.5M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	Bottom 6.2% in tier
Return on Assets ?	1.09% -9.0% YoY +44.5% QoQ	-0.23%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	40%
Net Interest Margin ?	3.23% +13.7% YoY +2.9% QoQ	-0.75%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	17%
Efficiency Ratio ?	57.50% -9.1% YoY +0.1% QoQ	-6.98%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	65%
Delinquency Rate ?	1.70% -13.5% YoY -48.9% QoQ	+0.78%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	16%
Loan-to-Deposit Ratio ?	51.53% +7.4% YoY +4.2% QoQ	-26.42%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	Top 9.3% in tier
Non-Interest-Bearing Deposit Share ?	25.64% +0.6% YoY -1.2% QoQ	+3.61%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	68%
Nonperforming Asset Ratio ?	0.76% -8.8% YoY -46.7% QoQ	+0.09%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	28%
Tier 1 Capital Ratio ?	12.18% +2.1% YoY +3.4% QoQ	-3.73%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.30% -16.0% YoY +98.5% QoQ	-0.27%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	72%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Noninterest-Bearing	25.6% +0.2pp YoY -0.3pp QoQ	+3.5pp	22.1%	23.9%	22.2%	68%
Brokered Deposits	n/a	n/a	7.9%	9.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	11.4% -4.5pp YoY -2.7pp QoQ	-0.1pp	11.6%	15.7%	12.5%	61%
CRE	n/a	n/a	39.5%	42.0%	41.4%	n/a
1-4 Family	25.8% +1.8pp YoY +0.4pp QoQ	-6.8pp	32.6%	24.0%	31.3%	42%
Consumer	8.3% -0.6pp YoY +0.2pp QoQ	+4.2pp	4.1%	5.6%	5.0%	89%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.0%	19.7%	n/a
Leverage Ratio	12.2% +0.3pp YoY +0.4pp QoQ	0.0pp	12.2%	11.7%	12.6%	67%
Total Capital Ratio	n/a	n/a	19.9%	18.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	16 +3 (+23.1%) YoY +1 (+6.7%) QoQ	-43	58	150	482	5%
Assets per Employee ($)	$7.4M -16.8% YoY -11.0% QoQ	-$102K	$7.5M	$6.5M	$8.8M	59%
Branch Count	1 0 YoY 0 QoQ	-4	4	8	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -1.5pp QoQ	-0.3pp	0.3%	0.9%	0.4%	6%
Nonaccrual	1.7% -0.3pp YoY -0.1pp QoQ	+0.8pp	0.9%	1.5%	1.0%	84%
Allowance Coverage	1.03x +4.8% YoY +90.0% QoQ	-23.12x	24.15x	61.99x	20.23x	28%
Net Charge-off Rate (YTD)	0.4% +0.3pp YoY +0.1pp QoQ	+0.2pp	0.1%	0.2%	0.2%	92%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	18.8% -13.9pp YoY +5.4pp QoQ	+6.6pp	12.2%	11.9%	11.6%	84%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.8%	1.7%	29%
Net Income ($, YTD)	$682,000 -6.3% YoY — QoQ	-$1.9M	$2.6M	$8.7M	$40.4M	16%

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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 (1)

Margin Compression

decline

#122 of 307 • Bottom 39.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.09%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

247

Loan-to-Deposit Ratio

liquidity

Value: 51.53%

Peer Median: 77.95%

#247 of 2643 Top 9.3% in $100M-$1B

Top Weaknesses (5 metrics)

2555

Total Loans

size

Value: $53.18M

Peer Median: $258.35M

#2555 of 2643 Bottom 3.4% in $100M-$1B

2506

Total Assets

size

Value: $118.66M

Peer Median: $386.57M

#2506 of 2643 Bottom 5.2% in $100M-$1B

2481

Total Deposits

size

Value: $103.19M

Peer Median: $326.73M

#2481 of 2643 Bottom 6.2% in $100M-$1B

2207

Delinquency Rate

credit_quality

Value: 1.70%

Peer Median: 0.92%

#2207 of 2633 Bottom 16.2% in $100M-$1B

2191

Net Interest Margin

profitability

Value: 3.23%

Peer Median: 3.99%

#2191 of 2643 Bottom 17.1% in $100M-$1B