Total Assets
$131M
Total balance-sheet footings
FDIC Cert #4097 · Fairview, Oklahoma · Est. 1907
The Farmers and Merchants National Bank of Fairview - FDIC Bank Health Profile
A community-scale look at The Farmers and Merchants National Bank of Fairview's own numbers, pulled straight from its quarterly FDIC Call Report.
- $131M
- Total assets
- B
- Health grade · Good
- 1.13%
- Return on assets
- 11.5%
- Tier 1 capital
Data updated July 2026
The verdict
The Farmers and Merchants National Bank of Fairview earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.50% Tier 1, profitable at 1.13% ROA, 65% efficiency ratio.
- #3,505
- largest of 4,313 FDIC banks by assets
- 19th
- percentile by asset size, nationally
- 11.50%
- Tier 1 ratio - above the 10% well-capitalized line
- 52nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Farmers and Merchants National Bank of Fairview's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Farmers and Merchants National Bank of Fairview's composite health score
Tier 1 Capital Ratio (11.50%) 28/40
Return on Assets (ROA) (1.13%) 20/25
Texas Ratio (22.68%) 10/20
Efficiency Ratio (64.98%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$115M
Customer-funded liabilities
Net Loans
$52M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Farmers and Merchants National Bank of Fairview ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Farmers and Merchants National Bank of Fairview's score of 66/100 falls in the highlighted band.
The Farmers and Merchants National Bank of Fairview's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Farmers and Merchants National Bank of Fairview's $131M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.50% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.50%
Texas Ratio
22.68%
Equity Capital
$7M
Profitability metrics
Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
25.42%
Efficiency Ratio
64.98%
What the numbers say about The Farmers and Merchants National Bank of Fairview
The Farmers and Merchants National Bank of Fairview is an FDIC-insured institution (Certificate #4097) headquartered in Fairview, Oklahoma, established in 1907. It holds $131M in total assets - 3,505th of 4,313 FDIC-insured banks, $115M in customer deposits, and $52M in net loans. Its capital position: a Tier 1 ratio of 11.50%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 22.68% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Farmers and Merchants National Bank of Fairview is a community-scale institution -- 120th of 172 FDIC-insured banks headquartered in Oklahoma by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$5M
Interest Income
$738K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Farmers and Merchants National Bank of Fairview reports a Texas Ratio of 22.68% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
22.68% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Farmers and Merchants National Bank of Fairview (FDIC Cert #4097) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is The Farmers and Merchants National Bank of Fairview's health grade?▼
The Farmers and Merchants National Bank of Fairview receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Farmers and Merchants National Bank of Fairview?▼
The Farmers and Merchants National Bank of Fairview holds $131M in total assets and $115M in deposits, ranking 3,505th of 4,313 FDIC-insured banks by asset size. It is headquartered in Fairview, Oklahoma.
Is my money safe at The Farmers and Merchants National Bank of Fairview?▼
Yes, deposits at The Farmers and Merchants National Bank of Fairview (Certificate #4097) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Farmers and Merchants National Bank of Fairview's Tier 1 Capital Ratio?▼
The Farmers and Merchants National Bank of Fairview has a Tier 1 Capital Ratio of 11.50%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Farmers and Merchants National Bank of Fairview?▼
The Farmers and Merchants National Bank of Fairview has a Texas Ratio of 22.68%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Farmers and Merchants National Bank of Fairview?▼
The Farmers and Merchants National Bank of Fairview has an Efficiency Ratio of 64.98%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Farmers and Merchants National Bank of Fairview's profile as a depositor or analyst.
- The Farmers and Merchants National Bank of Fairview's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Farmers and Merchants National Bank of Fairview against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.