The Farmers and Merchants National Bank of Fairview: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 4.43 percentage points in Q3 2026, from 65.70% to 61.27%. It was the largest change from Q2 2026 among the key lines here. Within Oklahoma, The Farmers and Merchants National Bank of Fairview is 143rd of 169 on loan-to-deposit ratio, 52.94% as of Q3 2026, below the middle of the field. The Farmers and Merchants National Bank of Fairview reported 52.94% on loan-to-deposit ratio for Q3 2026, 28.01 points below the 80.94% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $54.5M |
| Net loans and leases | $53.5M |
| Loans held for sale | $0 |
| Loans to total assets | 46.61% |
| Loan-to-deposit ratio | 52.94% |
| Net loans to equity capital | 9.30% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.11% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.94% |
| Consumer | 8.13% |
| Credit cards | 0.00% |
| Farm | 11.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.46% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 61.27% |
| Construction concentration (Tier 1 capital + allowance) | 14.59% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 7.02% |
| Interest income on loans | $946K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $43.3M | $114.8M | 14.45% | 15.56% | 8.71% |
| Q1 2024 | $44.4M | $113.5M | 13.81% | 16.15% | 8.54% |
| Q2 2024 | $45.2M | $107.1M | 13.84% | 16.70% | 8.96% |
| Q3 2024 | $46.9M | $103.5M | 13.86% | 16.10% | 8.79% |
| Q4 2024 | $48.6M | $113.2M | 13.25% | 15.80% | 8.71% |
| Q1 2025 | $49.3M | $108.4M | 13.55% | 15.99% | 8.91% |
| Q2 2025 | $50.2M | $102.7M | 13.90% | 15.60% | 8.70% |
| Q3 2025 | $49.8M | $106.2M | 10.52% | 15.09% | 8.68% |
| Q4 2025 | $52.7M | $114.9M | 11.15% | 14.40% | 8.38% |
| Q1 2026 | $54.7M | $108.6M | 13.75% | 13.91% | 7.94% |
| Q2 2026 | $54.1M | $103.2M | 15.75% | 11.22% | 8.16% |
| Q3 2026 | $54.5M | $102.9M | 15.11% | 10.94% | 8.13% |
The Farmers and Merchants National Bank of Fairview loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers and Merchants National Bank of Fairview, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Farmers and Merchants National Bank of Fairview profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4097) · FFIEC NIC profile (RSSD 73152)