Farmers & Merchants State Bank of New York Mills, Incorporated: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers & Merchants State Bank of New York Mills, Incorporated of New York Mills, MN against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.05% | 3.14% | -2.09% | 51st above |
| ROAE | 13.02% | 10.41% | +2.61% | 73rd above |
| Net Interest Margin | 3.25% | 3.93% | -0.68% | 22nd bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 73.68% | 76.31% | -2.63% | 43rd below |
| PPNR / Avg Assets | 0.79% | 1.40% | -0.61% | 30th below |
| Yield on Earning Assets | 5.00% | 5.35% | -0.35% | 41st below |
| Cost of Funds | 1.93% | 1.70% | +0.23% | 32nd below |
| Net Interest Spread | 2.53% | 3.31% | -0.78% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.29% | 1.34% | -0.05% | 26th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.67% | 0.71% | -0.04% | 26th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.11% | -0.09% | 24th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.47% | 1.49% | -0.02% | 65th above |
| ACL / NPLs (Coverage) | 114.20% | 866.72% | -752.52% | 41st below |
| Texas Ratio | 12.20% | 8.24% | +3.96% | 16th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 24.32% | 62.05% | -37.73% | 57th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 24.32% | 62.05% | -37.73% | 57th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 25.54% | 63.01% | -37.47% | 57th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.27% | 17.61% | -4.34% | 52nd above |
| Equity / Assets | 8.56% | 16.44% | -7.88% | 13th bottom |
| TCE / Tangible Assets | 8.56% | 16.19% | -7.63% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.86% | 72.87% | -19.01% | 67th above |
| Core Deposit Ratio | 86.89% | 88.22% | -1.33% | 29th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.07% | 5.28% | -1.21% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.07% | 4.30% | +1.77% | 68th above |
| Loan Growth (Y/Y) | 13.00% | 6.71% | +6.29% | 84th top |
| Deposit Growth (Y/Y) | -0.21% | 3.78% | -3.99% | 34th below |
See Farmers & Merchants State Bank of New York Mills, Incorporated's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers & Merchants State Bank of New York Mills, Incorporated, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Farmers & Merchants State Bank of New York Mills, Incorporated profile, how to read a UBPR, or how this data updates.