BlastPoint's Banking Scorecard
Farmers & Merchants State Bank of New York Mills, Incorporated
Micro
Specialty: Other
MN
FDIC cert 9340
Designations: ✓ Community bank
New York Mills, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Farmers & Merchants State Bank of New York Mills, Incorporated demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 18.15% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$78.5M
+4.7% YoY
+1.1% QoQ
|
-$139.0M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
15% |
| Total Loans ? |
$32.8M
-3.6% YoY
-2.9% QoQ
|
-$106.4M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$70.6M
+4.9% YoY
+2.2% QoQ
|
-$113.1M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.41%
+119.2% YoY
+45.1% QoQ
|
-0.67% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
3.04%
+13.8% YoY
+0.7% QoQ
|
-0.81% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
81.99%
+12.8% YoY
-1.9% QoQ
|
+14.26% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.35%
-83.1% YoY
+3.0% QoQ
|
-0.29% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
46.41%
-8.2% YoY
-5.0% QoQ
|
-28.12% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.80%
-11.7% YoY
-4.7% QoQ
|
+1.41% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.15%
-84.5% YoY
-1.1% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
27.01%
+8.8% YoY
+3.5% QoQ
|
+18.15% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.34%
-0.8% YoY
+27.1% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
27.01%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Tier 1 Capital Ratio
Current: 27.01% · Tier avg: 8.85%
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.41% · Tier avg: 74.53%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.80% · Tier avg: 22.39%
52
52th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.64%
48
48th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
18
18th pctile
Efficiency Ratio
Current: 81.99% · Tier avg: 67.73%
18
18th pctile
Total Deposits
Current: $70.6M · Tier avg: $183.7M
17
17th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.85%
16
16th pctile
Return on Assets
Current: 0.41% · Tier avg: 1.08%
15
15th pctile
Total Assets
Current: $78.5M · Tier avg: $217.5M
12
12th pctile
Total Loans
Current: $32.8M · Tier avg: $139.2M
Top Weaknesses
12
12th pctile
Total Loans
Current: $32.8M · Tier avg: $139.2M
15
15th pctile
Total Assets
Current: $78.5M · Tier avg: $217.5M
16
16th pctile
Return on Assets
Current: 0.41% · Tier avg: 1.08%
17
17th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.85%
18
18th pctile
Total Deposits
Current: $70.6M · Tier avg: $183.7M
18
18th pctile
Efficiency Ratio
Current: 81.99% · Tier avg: 67.73%
48
48th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
52
52th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.64%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.80% · Tier avg: 22.39%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.41% · Tier avg: 74.53%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.01% · Tier avg: 8.85%