FARMERS AND MERCHANTS NATIONAL BANK OF FAIRVIEW, THE

FAIRVIEW, OK | Small | Est. Jan. 1, 1907, midnight | FDIC #4097 | RSSD #73152 | OCC
Latest Report: 2025-12-31

FARMERS AND MERCHANTS NATIONAL BANK OF FAIRVIEW, THE is asn small FDIC-insured commercial bank headquartered in FAIRVIEW, OK, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $131M and total deposits of $115M. Profitability stands at 1.08% ROA and 19.52% ROE, with a net interest margin of 3.09%. The bank's CET1 capital ratio is 5.37%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 1.90% and a Texas Ratio of 12.52%. FDIC Certificate #4097.

Assets

$131M

Deposits

$115M

Loans

$53M

Equity

$7M

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 19.52%
Net Interest Margin (NIM) 3.09%
Yield on Assets 4.62%
Cost of Funds 1.50%

Asset Quality

NPL Ratio 1.90%
Net Charge-Off Ratio 0.04%
Texas Ratio 12.52%
NPA Ratio 0.77%
ACL / Loans 1.85%

Capital & Liquidity

CET1 Ratio 5.37%
Tier 1 Capital 5.37%
Total Capital Ratio 5.64%
Leverage Ratio 11.50%
Loan-to-Deposit 45.90%

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