Bank Comparison
Farmers & Merchants State Bank of New York Mills, Incorporated vs Farmers Bank of Lohman
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
Farmers & Merchants State Bank of New York Mills, Incorporated
RSSD 721752 · New York Mills, MN
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4 · 9
winning metrics across 13 scored rows
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Capital adequacy
| Metric | Farmers & Merchants State Bank of New York Mills, Incorporated | Farmers Bank of Lohman |
|---|---|---|
| CET1 Ratio | 24.32% | — |
| Tier 1 Capital Ratio | 24.32% | — |
| Total Capital Ratio | 25.54% | — |
| Tier 1 Leverage Ratio | 13.27% | 17.13% |
| Equity / Assets | 8.56% | 15.27% |
Profitability
| Metric | Farmers & Merchants State Bank of New York Mills, Incorporated | Farmers Bank of Lohman |
|---|---|---|
| Return on Assets (ROA) | 1.05% | 1.28% |
| Return on Equity (ROE) | 13.02% | 8.57% |
| Net Interest Margin (NIM) | 3.25% | 3.07% |
| Yield on Earning Assets | 5.00% | 4.05% |
| Cost of Funds | 1.93% | 1.13% |
Asset quality
| Metric | Farmers & Merchants State Bank of New York Mills, Incorporated | Farmers Bank of Lohman |
|---|---|---|
| Texas Ratio | 12.20% | 0.04% |
| Non-Performing Loan Ratio | 2.28% | 0.02% |
| Non-Performing Asset Ratio | 1.13% | 0.01% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 1.47% | 0.88% |
Balance sheet
| Metric | Farmers & Merchants State Bank of New York Mills, Incorporated | Farmers Bank of Lohman |
|---|---|---|
| Total Assets | $83.5M | $82.9M |
| Total Deposits | $72.2M | $70.1M |
| Total Loans | $38.9M | $24.0M |
| Total Equity | $7.1M | $12.7M |
| Net Income (quarter) | $225K | $267K |
Liquidity & funding
| Metric | Farmers & Merchants State Bank of New York Mills, Incorporated | Farmers Bank of Lohman |
|---|---|---|
| Loan-to-Deposit Ratio | 53.86% | 34.20% |
| Core Deposit Ratio | 86.89% | 98.19% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers & Merchants State Bank of New York Mills, Incorporated | Farmers Bank of Lohman |
|---|---|---|
| Headquarters City | New York Mills | Jefferson City |
| Headquarters State | MN | MO |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 10 | 9 |
| Established | December 16, 1916 | February 23, 1909 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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