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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Fairview, OK · FDIC certificate #4097
FARMERS&MERCHANTS NB FAIRVIE is an FDIC-insured institution based in Fairview, OK (FDIC certificate #4097). In its Q3 2026 Call Report it reported total assets of $117M, total deposits of $103M and net loans of $54M. Its primary federal regulator is OCC.
Plain-language readout
FARMERS&MERCHANTS NB FAIRVIE has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $125M in Q1 2026 and were lowest at $117M in Q3 2026.
Total deposits were highest at $109M in Q1 2026 and lowest at $103M in Q3 2026.
Over the whole period total assets fell 6.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $117M | $103M | $54M | 1.18% | 21.05% | 3.29% |
| Q2 2026 | $119M | $103M | $53M | 1.09% | 18.82% | 3.23% |
| Q1 2026 | $125M | $109M | $54M | 0.76% | 13.41% | 3.14% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $1.5M | $1.8M | -$330K | -18.0% |
| Federal funds sold | $3.8M | $7.9M | -$4.2M | -52.7% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $52.9M | $54.3M | -$1.4M | -2.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $53.2M | $53.7M | -$535K | -1.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.2M | $1.2M | +$6K | +0.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $6.1M | $6.1M | +$24K | +0.4% |
| Total assets | $118.7M | $125.1M | -$6.4M | -5.1% |
| Liabilities | ||||
| Total deposits | $103.2M | $108.6M | -$5.4M | -5.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $7.0M | $8.0M | -$1.0M | -12.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.2M | $1.1M | +$58K | +5.2% |
| Total liabilities | $111.4M | $117.7M | -$6.3M | -5.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $120K | $120K | $0K | 0.0% |
| Surplus | $914K | $914K | $0K | 0.0% |
| Retained earnings | $14.7M | $14.5M | +$203K | +1.4% |
| Accumulated other comprehensive income | -$8.4M | -$8.1M | -$282K | -3.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $7.3M | $7.4M | -$79K | -1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $903K | $1.8M | -$883K | -49.4% |
| Adjusted nonperforming assets | $903K | $1.8M | -$883K | -49.4% |
| Tangible equity plus allowance | $8.2M | $8.4M | -$117K | -1.4% |
| Texas ratio (gross) | 10.96% | 21.38% | -10.42 pts | See points |
| Texas ratio (adjusted) | 10.96% | 21.38% | -10.42 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 10.96% | 21.38% | -10.42 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.18% | 11.78% | +0.40 pts | See points |
| Construction and land loans to total capital | 16.79% | 19.12% | -2.34 pts | See points |
| Commercial real estate to total capital | 65.70% | 61.69% | +4.00 pts | See points |
| Dividend payout, year to date | 34.75% | 0.00% | +34.75 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -53.48% | -52.37% | -1.11 pts | See points |
| Liquidity | ||||
| Core deposits | $93.7M | $99.4M | -$5.6M | -5.7% |
| Non-core funding | $16.4M | $17.2M | -$750K | -4.4% |
| Loans to core deposits | 57.72% | 55.02% | +2.69 pts | See points |
| Loans to deposits | 52.43% | 50.36% | +2.07 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 64.75% | 74.14% | -9.39 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $16.4M | $17.2M | -$750K | -4.4% |
| Earnings | ||||
| Earnings before provision, year to date | $949K | $479K | +$470K | +98.1% |
| Earnings before provision, single quarter | $470K | $479K | -$9K | -1.9% |
| Provision for credit losses, year to date | $60K | $30K | +$30K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.97% | 6.96% | +0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 0.00% | 0.00 pts | See points |
| Total interest income to average assets | 4.15% | 4.10% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.10% | 0.10% | +0.01 pts | See points |
| Cost of savings and money market deposits | 0.72% | 0.70% | +0.02 pts | See points |
| Cost of time deposits | 3.68% | 3.72% | -0.04 pts | See points |
| Total interest expense to average assets | 1.23% | 1.25% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $117M | $103M | $54M | 1.18% | 21.05% | 3.29% |
| 2026-06-30 | $119M | $103M | $53M | 1.09% | 18.82% | 3.23% |
| 2026-03-31 | $125M | $109M | $54M | 0.76% | 13.41% | 3.14% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $102.7M | 0.07% | 140 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.