FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED

FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED is amn micro FDIC-insured commercial bank headquartered in NEW YORK MILLS, MN, established in Dec. 16, 1916, midnight. As of 2025-12-31, the bank reported total assets of $79M and total deposits of $71M. Profitability stands at 0.80% ROA and 9.21% ROE, with a net interest margin of 3.20%. The bank's CET1 capital ratio is 27.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 1.52%. FDIC Certificate #9340.