Farmers & Merchants State Bank of New York Mills, Incorporated: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 6.42 percentage points in Q2 2026, from 47.44% to 53.86%. It was the largest change from Q1 2026 among the key lines here. Farmers & Merchants State Bank of New York Mills, Incorporated ranks 195th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 53.86% (Q2 2026). Farmers & Merchants State Bank of New York Mills, Incorporated reported 53.86% on loan-to-deposit ratio for Q2 2026, 13.76 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $38.9M |
| Net loans and leases | $38.3M |
| Loans held for sale | $0 |
| Loans to total assets | 46.57% |
| Loan-to-deposit ratio | 53.86% |
| Net loans to equity capital | 5.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.69% |
| Multifamily (5+ residential) | 1.58% |
| Commercial and industrial | 9.11% |
| Consumer | 11.40% |
| Credit cards | 0.00% |
| Farm | 12.86% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 50.11% |
| Construction concentration (Tier 1 capital + allowance) | 24.15% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.79% |
| Interest income on loans | $700K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $36.1M | $71.4M | 32.76% | 12.22% | 9.85% |
| Q4 2023 | $36.7M | $71.9M | 31.05% | 11.58% | 10.19% |
| Q1 2024 | $36.7M | $72.1M | 30.07% | 12.78% | 10.94% |
| Q2 2024 | $35.6M | $70.3M | 29.02% | 10.95% | 12.65% |
| Q3 2024 | $34.8M | $67.7M | 30.15% | 11.28% | 11.77% |
| Q4 2024 | $34.8M | $67.3M | 30.99% | 10.12% | 10.94% |
| Q1 2025 | $33.1M | $72.4M | 31.27% | 10.46% | 10.78% |
| Q2 2025 | $34.4M | $72.3M | 29.54% | 9.81% | 11.73% |
| Q3 2025 | $34.3M | $69.1M | 28.31% | 9.39% | 11.57% |
| Q4 2025 | $33.3M | $70.6M | 28.88% | 9.04% | 11.31% |
| Q1 2026 | $35.5M | $74.8M | 29.01% | 9.23% | 10.25% |
| Q2 2026 | $38.9M | $72.2M | 26.69% | 9.11% | 11.40% |
Farmers & Merchants State Bank of New York Mills, Incorporated loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants State Bank of New York Mills, Incorporated, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers & Merchants State Bank of New York Mills, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9340) · FFIEC NIC profile (RSSD 721752)