FDIC Cert #9340 · New York Mills, Minnesota · Est. 1916

Farmers & Merchants State Bank of New York Mills, Incorporated - FDIC Bank Health Profile

A community-scale look at Farmers & Merchants State Bank of New York Mills, Incorporated's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$79M
Total assets
B
Health grade · Good
0.41%
Return on assets
27.0%
Tier 1 capital

Data updated July 2026

The verdict

Farmers & Merchants State Bank of New York Mills, Incorporated earns a PlainBankData health grade of B (67/100), with well-capitalized at 27.01% Tier 1, 0.41% ROA, 82% efficiency ratio.

#3,917
largest of 4,313 FDIC banks by assets
9th
percentile by asset size, nationally
27.01%
Tier 1 ratio - above the 10% well-capitalized line
13th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 9340 · MN B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3285/4307
  • PHOTO-FINISH Great Southern Bank · MS
  • TIER1-WELL 27.0% Tier 1
  • TEXAS-CLEAN 1.5% Texas
  • ROA-THIN 0.41% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Great Southern Bank, MS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Farmers & Merchants State Bank of New…

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Avana Bank · TX · near67/100Farmers & Merchants… · MN · …67/100Farmers State Bank o… · SD ·…67/100First Keystone Commu… · PA ·…67/100Great Southern Bank · MS · n…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Farmers & Merchants State Bank of New… · July 2026

Call Report read for Farmers & Merchants State Bank of New… in a high-failure state

Farmers & Merchants State Bank of New York Mills, Incorporated (FDIC Cert #9340) carries a PlainBankData health grade of B at 67/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,285 of 4,307. Tier 1 capital prints at 27.01%, clearing the 10% well-capitalized line. The Texas Ratio is 1.52%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.41%. Balance-sheet scale is $79M, 3,917th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Great Southern Bank (MS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Farmers & Merchants State Bank of New…

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

Farmers & Merchants State Bank of New York Mills, Incorporated sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Farmers & Merchants State Bank of New York Mills, Incorporated's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Minnesota banks.

How Farmers & Merchants State Bank of New York Mills, Incorporated's 67/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10067/100
Farmers & Merchants State Bank of New York Mills, Incorporated's composite health score
Tier 1 Capital Ratio (27.01%) 40/40
Return on Assets (ROA) (0.41%) 7/25
Texas Ratio (1.52%) 20/20
Efficiency Ratio (81.99%) 0/15

67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$79M

Total balance-sheet footings

Total Deposits

$71M

Customer-funded liabilities

Net Loans

$33M

Outstanding loan book

Net Income

$322K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 25.61% 27.01% 28.41%
Basel III capital ratios - Farmers & Merchants State Bank of New York Mills, Incorporated

Where Farmers & Merchants State Bank of New York Mills, Incorporated ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers & Merchants State Bank of New York Mills, Incorporated's score of 67/100 falls in the highlighted band.

Farmers & Merchants State Bank of New York Mills, Incorporated: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 24th percentile higher than 24% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Farmers & Merchants State Bank of New… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Farmers & Merchants State Bank of New York Mills, Incorporated's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers & Merchants State Bank of New York Mills, Incorporated's $79M falls in the highlighted band.

Capital & credit buffers at Farmers & Merchants State Bank of New…

Tier 1 capital ratio
Well-capitalized 10%

27.01% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
27.01%
Texas Ratio
1.52%
Equity Capital
$7M

What these ratios mean →

Profitability metrics: Farmers & Merchants State Bank of New…

Return on Assets (ROA)
13th percentile nationally
0.41%
Return on Equity (ROE)
5.49%
Efficiency Ratio
81.99%

What these mean →

Income & expense at Farmers & Merchants State Bank of New…

$4M
Interest Income
$270K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers & Merchants State Bank of New York Mills, Incorporated reports a Texas Ratio of 1.52% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.52% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Farmers & Merchants State Bank of New York Mills, Incorporated on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($79M here), outside Minnesota so the neighborhood is not state containment.

Clarkson Bank $79M · NE Galion Building and Loan Bank $79M · OH Jackson Parish Bank $78M · LA The First National Bank of Blanchester $79M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers & Merchants State Bank of New York Mills, Incorporated (FDIC Cert #9340) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Farmers & Merchants State Bank of New York Mills, Incorporated Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
Ameriprise Bank, FSBMinneapolis $25.3B A 3.08%
Bridgewater BankSaint Louis Park $5.4B A 0.99%
Frandsen Bank & TrustLonsdale $3.7B A 1.48%
Stearns Bank National AssociationSaint Cloud $3.3B A 1.85%
Minnwest BankRedwood Falls $3.0B B 0.92%
Merchants Bank, National AssociationWinona $2.9B A 1.23%
Tradition Capital BankWayzata $2.6B B 0.71%
Think Mutual BankRochester $2.2B B 0.61%