Side-by-side · Q2 2026 data
Farmers & Merchants State Bank of New York Mills, Incorporated vs Lowry State Bank
Bank
Farmers & Merchants State Bank of New York Mills, Incorporated
New York Mills, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Farmers & Merchants State Bank of New York Mills, Incorporated | Lowry State Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 39 |
| Capital cushion | 83 (stronger) | 46 |
| Loan quality | 24 (stronger) | 0 |
| Earnings | 56 | 71 (stronger) |
| Funding & liquidity | 95 (stronger) | 47 |
| Problem-loan coverage | 76 (stronger) | 44 |
| Peer percentile | 24th | 3rd |
| Total assets | $83.5M | $84.1M |
| Deposits / shares | $72.2M | $69.6M |
| Capital ratio | 13.27% (stronger) | 9.58% |
| Problem loans | 2.28% (stronger) | 3.18% |
| Net charge-offs | -0.01% (stronger) | 0.30% |
| Return on assets | 0.91% | 1.28% (stronger) |
| Loans ÷ deposits | 53.1% (stronger) | 109.6% |
| Uninsured deposits | 19.8% | 18.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers & Merchants State Bank of New York Mills, Incorporated has the higher TellerScore (64 vs 39). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants State Bank of New York Mills, Incorporated leads on 5 and Lowry State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.