C
Farmers & Merchants State Bank of New York Mills, Incorporated
Rating Date
October 2025
Risk Based
Capital Ratio
27.35
Leverage
Ratio
13.37
Return On
Assets
0.27%
Total
Assets
77.65M
Capital
6.44M
Total
Deposits
69.06M
Net
Income
166.00K
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Weiss Ratings Farmers & Merchants State Bank of New York Mills, Incorporated
New York Mills, MN 		Click to
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Rating C
Asset Quality Index 7.60
Capitalization Index 10.00
Liquidity Index 4.00
Profitability Index 2.20
Stability Index 3.60
Company Info Farmers & Merchants State Bank of New York Mills, Incorporated
New York Mills, MN 		Click to
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FDIC Number 9340
Phone Number (218) 385-2300
Website www.fmbanknym.com
Asset Quality Farmers & Merchants State Bank of New York Mills, Incorporated
New York Mills, MN 		Click to
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1-Year Asset Growth -0.42%
5-Year Asset Growth 4.01%
5-Year Charge-Offs to Average Loans 0.14%
Charge-Offs to Average Loans 1.33%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 1.01%
Non-Performing Loans to Loans 0.34%
Balance Sheet Farmers & Merchants State Bank of New York Mills, Incorporated
New York Mills, MN 		Click to
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Total Assets 77.65M
Total Deposits 69.06M
Capital and Reserves Farmers & Merchants State Bank of New York Mills, Incorporated
New York Mills, MN 		Click to
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Capital 6.44M
Leverage Ratio 13.37
Loan Loss Reserves to Loans 1.55%
Risk-Based Capital Ratio 27.35
Liquidity Farmers & Merchants State Bank of New York Mills, Incorporated
New York Mills, MN 		Click to
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Hot Money Ratio 22.00%
Liquidity Ratio 30.88%
Profitability Farmers & Merchants State Bank of New York Mills, Incorporated
New York Mills, MN 		Click to
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5-Year Return on Average Assets 0.63%
Net Income 166.00K
Net Interest Spread 2.91%
Operating Profit to Average Assets 0.27%
Overhead Efficiency Ratio 83.60%
Return on Assets 0.27%
Return on Equity 4.01%