BlastPoint's Banking Scorecard
The Farmers and Merchants National Bank of Fairview
Fairview, OK
The Farmers and Merchants National Bank of Fairview has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.86% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 1.6% in tier
- - Flatlined Growth: Bottom 39.5% in tier
- - Delinquency Rate 2.44% above tier average
- - Net Interest Margin 0.79% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$125.1M
+1.9% YoY
-4.6% QoQ
|
-$261.0M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 7.5% in tier |
| Total Loans ? |
$53.7M
+11.2% YoY
+3.8% QoQ
|
-$202.0M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 3.7% in tier |
| Total Deposits ? |
$108.6M
+0.1% YoY
-5.5% QoQ
|
-$219.4M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.1% in tier |
| Return on Assets ? |
0.76%
-40.9% YoY
-33.0% QoQ
|
-0.51% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
3.14%
+17.4% YoY
+6.8% QoQ
|
-0.79% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
57.42%
-5.9% YoY
-11.6% QoQ
|
-7.86% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? |
3.33%
+60.7% YoY
-5.4% QoQ
|
+2.44% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.0% in tier |
| Loan-to-Deposit Ratio ? |
49.47%
+11.0% YoY
+9.8% QoQ
|
-27.17% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 8.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.96%
+6.6% YoY
+11.1% QoQ
|
+3.94% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
70% |
| Nonperforming Asset Ratio ? |
1.43%
+75.3% YoY
+2.9% QoQ
|
+0.79% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.4% in tier |
| Tier 1 Capital Ratio ? |
11.78%
+0.2% YoY
+2.5% QoQ
|
-4.05% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.15%
-26.4% YoY
-73.2% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
74% |
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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 (0)
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.