BlastPoint's Banking Scorecard
Farmers & Merchants State Bank of New York Mills, Incorporated
Designations: ✓ Community bank
New York Mills, MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits -0.2% year over year ($72.2M on the books).
- Delinquency rate 2.31%.
- Return on assets 0.91%.
- Efficiency ratio 72.27% vs a 119.40% peer average.
- Loan-to-deposit ratio 53.07% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers & Merchants State Bank of New York Mills, Incorporated has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 47.13% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Net Interest Margin 0.65% below tier average
- - Delinquency Rate 0.83% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$83.5M
+6.1% YoY
+1.5% QoQ
|
+$21.0M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$38.3M
+13.0% YoY
+9.7% QoQ
|
+$3.4M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
60% |
| Total Deposits ? |
$72.2M
-0.2% YoY
-3.5% QoQ
|
+$20.5M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
78% |
| Return on Assets ? |
0.91%
+26.5% QoQ
|
-0.09% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
46% |
| Net Interest Margin ? |
3.26%
+9.8% YoY
+1.0% QoQ
|
-0.65% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
72.27%
-21.6% YoY
+5.8% QoQ
|
-47.13% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
47% |
| Delinquency Rate ? |
2.31%
+62.4% QoQ
|
+0.83% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
53.07%
+13.2% YoY
+13.7% QoQ
|
-21.14% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
23.73%
-1.3% YoY
+1.5% QoQ
|
+0.24% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
1.13%
+699.2% YoY
+51.2% QoQ
|
+0.29% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
24.32%
-2.9% YoY
-5.5% QoQ
|
-2.81% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.15%
+15.3% YoY
+100.2% QoQ
|
-1.23% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
58% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.7%
-0.3pp YoY +0.3pp QoQ |
-0.9pp | 24.6% | 21.9% | 22.2% | 49% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.2%
-0.7pp YoY -0.1pp QoQ |
-4.2pp | 13.4% | 14.6% | 12.5% | 48% |
| CRE |
36.2%
-5.4pp YoY -3.5pp QoQ |
+11.0pp | 25.2% | 36.5% | 41.4% | 77% |
| 1-4 Family |
24.9%
+8.1pp YoY +3.4pp QoQ |
-10.1pp | 35.0% | 29.4% | 31.3% | 43% |
| Consumer |
11.6%
-0.3pp YoY +1.2pp QoQ |
+3.9pp | 7.7% | 4.5% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
24.3%
-0.7pp YoY -1.4pp QoQ |
-14.4pp | 38.7% | 16.5% | 19.7% | 61% |
| Leverage Ratio |
13.3%
+0.2pp YoY -0.2pp QoQ |
-4.4pp | 17.7% | 11.0% | 12.6% | 55% |
| Total Capital Ratio |
25.5%
-0.7pp YoY -1.4pp QoQ |
-14.1pp | 39.7% | 17.6% | 20.8% | 62% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
-1 (-9.1%) YoY 0 QoQ |
-2 | 12 | 55 | 482 | 43% |
| Assets per Employee ($) |
$8.3M
+16.7% YoY +1.5% QoQ |
+$2.2M | $6.2M | $8.6M | $8.8M | 83% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.0%
+1.0pp YoY |
0.0pp | 1.0% | 0.4% | 0.4% | 74% |
| Nonaccrual |
1.3%
-0.1pp QoQ |
-0.4pp | 1.7% | 1.0% | 1.0% | 63% |
| Allowance Coverage |
0.65x
-99.2% YoY -42.6% QoQ |
-5.76x | 6.41x | 20.41x | 20.23x | 31% |
| Net Charge-off Rate (YTD) |
-0.0%
-2.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.2% | 31% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.6%
+9.9pp YoY +2.2pp QoQ |
+4.2pp | 6.4% | 13.1% | 11.6% | 65% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.7% | 1.7% | 74% |
| Net Income ($, YTD) |
$369,000
+1950.0% YoY — QoQ |
+$51K | $317,817 | $4.5M | $40.4M | 60% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.