Bank Comparison
American State Bank of Grygla vs Farmers & Merchants State Bank of New York Mills, Incorporated
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Farmers & Merchants State Bank of New York Mills, Incorporated
RSSD 721752 · NEW YORK MILLS, MN
Full profile →Capital adequacy
| Metric | American State Bank of Grygla | Farmers & Merchants State Bank of New York Mills, Incorporated |
|---|---|---|
| CET1 Ratio | — | 25.73% |
| Tier 1 Capital Ratio | — | 25.73% |
| Total Capital Ratio | — | 26.98% |
| Tier 1 Leverage Ratio | 10.69% | 13.51% |
| Equity / Assets | 8.55% | 8.13% |
Profitability
| Metric | American State Bank of Grygla | Farmers & Merchants State Bank of New York Mills, Incorporated |
|---|---|---|
| Return on Assets (ROA) | 1.14% | 0.69% |
| Return on Equity (ROE) | 12.74% | 8.35% |
| Net Interest Margin (NIM) | 3.66% | 3.20% |
| Yield on Earning Assets | 5.09% | 4.88% |
| Cost of Funds | 1.47% | 1.84% |
Asset quality
| Metric | American State Bank of Grygla | Farmers & Merchants State Bank of New York Mills, Incorporated |
|---|---|---|
| Texas Ratio | 0.00% | 8.46% |
| Non-Performing Loan Ratio | 0.00% | 1.40% |
| Non-Performing Asset Ratio | 0.00% | 0.75% |
| Net Charge-Off Ratio | 0.00% | -0.03% |
| ACL / Loans | 1.26% | 1.58% |
Balance sheet
| Metric | American State Bank of Grygla | Farmers & Merchants State Bank of New York Mills, Incorporated |
|---|---|---|
| Total Assets | $81,158K | $82,226K |
| Total Deposits | $73,848K | $74,774K |
| Total Loans | $41,356K | $35,475K |
| Total Equity | $6,935K | $6,684K |
| Net Income (quarter) | $226 | $144 |
Liquidity & funding
| Metric | American State Bank of Grygla | Farmers & Merchants State Bank of New York Mills, Incorporated |
|---|---|---|
| Loan-to-Deposit Ratio | 56.00% | 47.44% |
| Core Deposit Ratio | 93.54% | 87.01% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American State Bank of Grygla | Farmers & Merchants State Bank of New York Mills, Incorporated |
|---|---|---|
| Headquarters City | GRYGLA | NEW YORK MILLS |
| Headquarters State | MN | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 14 | 10 |
| Established | April 30, 1976, midnight | Dec. 16, 1916, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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