Side-by-side · Q2 2026 data
Community First Bank vs Farmers & Merchants State Bank of New York Mills, Incorporated
Bank
Farmers & Merchants State Bank of New York Mills, Incorporated
New York Mills, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Community First Bank | Farmers & Merchants State Bank of New York Mills, Incorporated |
|---|---|---|
| TellerScore | 90 (stronger) | 64 |
| Capital cushion | 78 | 83 (stronger) |
| Loan quality | 91 (stronger) | 24 |
| Earnings | 94 (stronger) | 56 |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 98 (stronger) | 76 |
| Peer percentile | 95th | 24th |
| Total assets | $126.5M | $83.5M |
| Deposits / shares | $108.4M | $72.2M |
| Capital ratio | 12.84% | 13.27% (stronger) |
| Problem loans | 0.28% (stronger) | 2.28% |
| Net charge-offs | -0.18% (stronger) | -0.01% |
| Return on assets | 1.84% (stronger) | 0.91% |
| Loans ÷ deposits | 60.5% | 53.1% (stronger) |
| Uninsured deposits | 14.4% (stronger) | 19.8% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community First Bank has the higher TellerScore (90 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Community First Bank leads on 5 and Farmers & Merchants State Bank of New York Mills, Incorporated on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.