Side-by-side · Q2 2026 data
Farmers & Merchants State Bank of New York Mills, Incorporated vs Vantage 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 | Vantage Bank |
|---|---|---|
| TellerScore | 64 | 68 (stronger) |
| Capital cushion | 83 (stronger) | 35 |
| Loan quality | 24 | 88 (stronger) |
| Earnings | 56 | 93 (stronger) |
| Funding & liquidity | 95 (stronger) | 50 |
| Problem-loan coverage | 76 | 93 (stronger) |
| Peer percentile | 24th | 33rd |
| Total assets | $83.5M | $85.0M |
| Deposits / shares | $72.2M | $75.4M |
| Capital ratio | 13.27% (stronger) | 8.47% |
| Problem loans | 2.28% | 0.35% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.91% | 1.84% (stronger) |
| Loans ÷ deposits | 53.1% (stronger) | 104.0% |
| Uninsured deposits | 19.8% (stronger) | 20.2% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vantage Bank has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants State Bank of New York Mills, Incorporated leads on 4 and Vantage Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.