C
Farmers & Merchants State Bank of New York Mills, Incorporated
Rating Date
March 2026
Risk Based
Capital Ratio
28.26
Leverage
Ratio
13.46
Return On
Assets
0.39%
Total
Assets
78.51M
Capital
7.11M
Total
Deposits
70.60M
Net
Income
322.00K
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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 4.20
Profitability Index 2.40
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 4.66%
5-Year Asset Growth 0.61%
5-Year Charge-Offs to Average Loans 0.14%
Charge-Offs to Average Loans 1.02%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 0.99%
Non-Performing Loans to Loans 0.35%
Balance Sheet Farmers & Merchants State Bank of New York Mills, Incorporated
New York Mills, MN 		Click to
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Total Assets 78.51M
Total Deposits 70.60M
Capital and Reserves Farmers & Merchants State Bank of New York Mills, Incorporated
New York Mills, MN 		Click to
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Capital 7.11M
Leverage Ratio 13.46
Loan Loss Reserves to Loans 1.58%
Risk-Based Capital Ratio 28.26
Liquidity Farmers & Merchants State Bank of New York Mills, Incorporated
New York Mills, MN 		Click to
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Hot Money Ratio 24.22%
Liquidity Ratio 35.16%
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 322.00K
Net Interest Spread 2.94%
Operating Profit to Average Assets 0.39%
Overhead Efficiency Ratio 81.99%
Return on Assets 0.39%
Return on Equity 5.52%