Bank Comparison
Farmers & Merchants State Bank of New York Mills, Incorporated vs Raymond James Trust, N.A.
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
Full profile →vs
3 · 14
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Farmers & Merchants State Bank of New York Mills, Incorporated | Raymond James Trust, N.A. |
|---|---|---|
| CET1 Ratio | 25.73% | 221.35% |
| Tier 1 Capital Ratio | 25.73% | 221.35% |
| Total Capital Ratio | 26.98% | 221.35% |
| Tier 1 Leverage Ratio | 13.51% | 75.68% |
| Equity / Assets | 8.13% | 83.82% |
Profitability
| Metric | Farmers & Merchants State Bank of New York Mills, Incorporated | Raymond James Trust, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.69% | 19.86% |
| Return on Equity (ROE) | 8.35% | 25.24% |
| Net Interest Margin (NIM) | 3.20% | 3.22% |
| Yield on Earning Assets | 4.88% | 3.22% |
| Cost of Funds | 1.84% | — |
Asset quality
| Metric | Farmers & Merchants State Bank of New York Mills, Incorporated | Raymond James Trust, N.A. |
|---|---|---|
| Texas Ratio | 8.46% | 0.00% |
| Non-Performing Loan Ratio | 1.40% | — |
| Non-Performing Asset Ratio | 0.75% | 0.00% |
| Net Charge-Off Ratio | -0.03% | — |
| ACL / Loans | 1.58% | — |
Balance sheet
| Metric | Farmers & Merchants State Bank of New York Mills, Incorporated | Raymond James Trust, N.A. |
|---|---|---|
| Total Assets | $82,226K | $82,318K |
| Total Deposits | $74,774K | $0 |
| Total Loans | $35,475K | $0 |
| Total Equity | $6,684K | $68,996K |
| Net Income (quarter) | $144 | $4,527K |
Liquidity & funding
| Metric | Farmers & Merchants State Bank of New York Mills, Incorporated | Raymond James Trust, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 47.44% | — |
| Core Deposit Ratio | 87.01% | — |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers & Merchants State Bank of New York Mills, Incorporated | Raymond James Trust, N.A. |
|---|---|---|
| Headquarters City | NEW YORK MILLS | SAINT PETERSBURG |
| Headquarters State | MN | FL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | — |
| Regulator | FDIC | — |
| Domestic Branches | 1 | — |
| Employees (FTE) | 10 | 162 |
| Established | 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.
View full Farmers & Merchants State Bank of New York Mills, Incorporated profile | View full Raymond James Trust, N.A. profile | Browse all bank comparisons