Bank Comparison
McClave State Bank 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
9 · 4
winning metrics across 13 scored rows
Farmers & Merchants State Bank of New York Mills, Incorporated
RSSD 721752 · New York Mills, MN
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Capital adequacy
| Metric | McClave State Bank | Farmers & Merchants State Bank of New York Mills, Incorporated |
|---|---|---|
| CET1 Ratio | — | 24.32% |
| Tier 1 Capital Ratio | — | 24.32% |
| Total Capital Ratio | — | 25.54% |
| Tier 1 Leverage Ratio | 14.19% | 13.27% |
| Equity / Assets | 13.45% | 8.56% |
Profitability
| Metric | McClave State Bank | Farmers & Merchants State Bank of New York Mills, Incorporated |
|---|---|---|
| Return on Assets (ROA) | 1.72% | 1.05% |
| Return on Equity (ROE) | 12.50% | 13.02% |
| Net Interest Margin (NIM) | 4.87% | 3.25% |
| Yield on Earning Assets | 7.41% | 5.00% |
| Cost of Funds | 2.96% | 1.93% |
Asset quality
| Metric | McClave State Bank | Farmers & Merchants State Bank of New York Mills, Incorporated |
|---|---|---|
| Texas Ratio | 0.86% | 12.20% |
| Non-Performing Loan Ratio | 0.14% | 1.29% |
| Non-Performing Asset Ratio | 0.12% | 0.67% |
| Net Charge-Off Ratio | 0.00% | 0.02% |
| ACL / Loans | 1.14% | 1.47% |
Balance sheet
| Metric | McClave State Bank | Farmers & Merchants State Bank of New York Mills, Incorporated |
|---|---|---|
| Total Assets | $83.4M | $83.5M |
| Total Deposits | $66.2M | $72.2M |
| Total Loans | $72.3M | $38.9M |
| Total Equity | $11.2M | $7.1M |
| Net Income (quarter) | $347K | $225K |
Liquidity & funding
| Metric | McClave State Bank | Farmers & Merchants State Bank of New York Mills, Incorporated |
|---|---|---|
| Loan-to-Deposit Ratio | 109.17% | 53.86% |
| Core Deposit Ratio | 64.94% | 86.89% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | McClave State Bank | Farmers & Merchants State Bank of New York Mills, Incorporated |
|---|---|---|
| Headquarters City | McClave | New York Mills |
| Headquarters State | CO | MN |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 11 | 10 |
| Established | March 9, 1920 | December 16, 1916 |
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 September 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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