BlastPoint's Banking Scorecard
Farmers & Merchants State Bank of New York Mills, Incorporated
Designations: ✓ Community bank
New York Mills, MN
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 19.33% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Net Interest Margin 0.64% below tier average
- - Delinquency Rate 0.06% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$82.2M
+4.9% YoY
+4.7% QoQ
|
+$19.9M |
$62.3M
-0.5% YoY
|
$514.9M
+5.5% YoY
|
$6.2B
+9.0% YoY
|
73% |
| Total Loans ? |
$34.9M
+6.8% YoY
+6.6% QoQ
|
+$625K |
$34.3M
-1.5% YoY
|
$289.5M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
54% |
| Total Deposits ? |
$74.8M
+3.3% YoY
+5.9% QoQ
|
+$22.9M |
$51.8M
-0.6% YoY
|
$445.6M
+5.0% YoY
|
$4.8B
+8.0% YoY
|
82% |
| Return on Assets ? |
0.72%
+72.8% QoQ
|
-0.14% |
0.86%
-3.6% YoY
|
1.14%
+11.1% YoY
|
1.24%
+13.1% YoY
|
39% |
| Net Interest Margin ? |
3.23%
+12.8% YoY
+6.2% QoQ
|
-0.64% |
3.87%
+2.7% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
68.30%
-31.6% YoY
-16.7% QoQ
|
-19.33% |
87.63%
+2.3% YoY
|
64.52%
-3.4% YoY
|
66.84%
-3.8% YoY
|
57% |
| Delinquency Rate ? |
1.42%
+302.0% QoQ
|
+0.06% |
1.36%
+33.7% YoY
|
1.04%
+28.5% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
46.70%
+3.4% YoY
+0.6% QoQ
|
-17.41% |
64.11%
-0.9% YoY
|
76.74%
-0.5% YoY
|
76.69%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
23.39%
-13.4% YoY
-1.7% QoQ
|
-0.40% |
23.79%
+0.5% YoY
|
21.89%
-0.8% YoY
|
22.01%
-1.1% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.75%
+314.4% YoY
+404.6% QoQ
|
-0.03% |
0.77%
+28.7% YoY
|
0.77%
+26.8% YoY
|
0.66%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
25.73%
-2.7% YoY
-4.7% QoQ
|
-1.05% |
26.77%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.08%
+15.9% YoY
-78.1% QoQ
|
-0.59% |
0.67%
+1.6% YoY
|
0.15%
+3.6% YoY
|
0.32%
+4.0% YoY
|
58% |
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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.
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Metric Rankings
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