The Farmers and Merchants National Bank of Fairview: how it compares with its peers
Against 58 OK banks with half to twice its assets, The Farmers and Merchants National Bank of Fairview's strongest measure in Q2 2026 is assets per employee ($7.4M vs. a $5.9M peer median). Its weakest relative measure is net interest margin (3.23% vs. 4.41%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.48% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.23% | 4.41% | Bottom third Ahead of 7% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.50% | 61.80% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $5.9M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 51.53% | 74.07% | Context |
What it means for lending operations
Its efficiency ratio of 57.50% is better than the 61.80% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Community Bank Bristow, OK · $119M
- First Bank Erick, OK · $118M
- COREBANK Waynoka, OK · $122M
- Cleo State Bank Cleo Springs, OK · $123M
- Great Nations Bank Norman, OK · $114M
- Monument Bank Poteau, OK · $113M
Questions about The Farmers and Merchants National Bank of Fairview
How big is The Farmers and Merchants National Bank of Fairview?
The Farmers and Merchants National Bank of Fairview, established in 1907, is headquartered in Fairview, OK. It reported $119M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Farmers and Merchants National Bank of Fairview's return on assets?
1.09% annualized in Q2 2026, against a 1.48% median for 58 OK banks with half to twice its assets, ahead of 24% of them.
What is The Farmers and Merchants National Bank of Fairview's efficiency ratio?
57.50% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 61.80%, and lower is better.
Is The Farmers and Merchants National Bank of Fairview growing its loans?
Net loans grew 7.9% over the year to Q2 2026, while deposits grew 0.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.