Farmers & Merchants State Bank of New York Mills, Incorporated: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 6.42 percentage points higher than in Q1 2026, at 53.86%. Within Minnesota, Farmers & Merchants State Bank of New York Mills, Incorporated is 161st of 221 on return on assets, 1.05% as of Q2 2026, below the middle of the field. Farmers & Merchants State Bank of New York Mills, Incorporated reported 1.05% on return on assets for Q2 2026, 0.07 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.32% |
| Tier 1 risk-based capital ratio | 24.32% |
| Total risk-based capital ratio | 25.54% |
| Tier 1 leverage ratio | 13.27% |
| Equity capital to assets | 8.56% |
| Tangible equity to tangible assets | 8.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.29% |
| Non-performing assets ratio | 0.67% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 12.20% |
| Allowance for credit losses to loans | 1.47% |
| Reserve coverage of non-performing loans | 114.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.05% |
| Return on equity | 13.02% |
| Net interest margin | 3.25% |
| Efficiency ratio | 73.68% |
| Yield on earning assets | 5.00% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.86% |
| Core deposits to total deposits | 86.89% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.46% |
| Securities to assets | 48.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 28.01% | 28.01% | 29.27% | 14.01% | 0.99% |
| Q4 2023 | 23.19% | 23.19% | 24.35% | 14.04% | 0.13% |
| Q1 2024 | 23.08% | 23.08% | 24.24% | 13.75% | 1.40% |
| Q2 2024 | 24.23% | 24.23% | 25.49% | 14.12% | 0.18% |
| Q3 2024 | 25.13% | 25.13% | 25.93% | 14.47% | 1.11% |
| Q4 2024 | 24.82% | 24.82% | 26.08% | 14.10% | -1.98% |
| Q1 2025 | 26.45% | 26.45% | 27.51% | 13.46% | -0.06% |
| Q2 2025 | 25.06% | 25.06% | 26.23% | 13.09% | 0.14% |
| Q3 2025 | 26.10% | 26.10% | 27.35% | 13.37% | 0.72% |
| Q4 2025 | 27.01% | 27.01% | 28.26% | 13.46% | 0.75% |
| Q1 2026 | 25.73% | 25.73% | 26.98% | 13.51% | 0.69% |
| Q2 2026 | 24.32% | 24.32% | 25.54% | 13.27% | 1.05% |
Farmers & Merchants State Bank of New York Mills, Incorporated vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants State Bank of New York Mills, Incorporated, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)