This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
New York Mills, MN
Health score
71.0
Total assets
$83.5M
Bank
Cold Spring, MN
Health score
78.9
Total assets
$81.7M
Answer first
Farmers & Merchants State Bank of New York Mills, Incorporated leads on capitalization and growth; State Bank of Cold Spring leads on financial health and profitability and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Category leaders
Financial health
State Bank of Cold Spring
Higher TFS health score
Capitalization
Farmers & Merchants State Bank of New York Mills, Incorporated
Higher comparable capital ratio
Profitability
State Bank of Cold Spring
Higher return on assets
Lending quality
State Bank of Cold Spring
Lower problem-loan measure
Growth
Farmers & Merchants State Bank of New York Mills, Incorporated
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Farmers & Merchants State Bank of New York Mills, Incorporated | State Bank of Cold Spring |
|---|---|---|
| TFS health score | 71.0/100 | 78.9/100Leads |
| Total assets | $83.5M | $81.7M |
| Total deposits / shares | $72.2M | $73.8M |
| Tier 1 capital ratio | 13.27%Leads | 10.06% |
| Return on assets | 0.91% | 1.60%Leads |
| Return on equity | 10.58% | 16.72% |
Farmers & Merchants State Bank of New York Mills, Incorporated
1 branches
State Bank of Cold Spring
1 branches
Both institutions report branches in 1 state: MN.
Farmers & Merchants State Bank of New York Mills, Incorporated
Unavailable
State Bank of Cold Spring
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Farmers & Merchants State Bank of New York Mills, Incorporated
0 in TFS registry
State Bank of Cold Spring
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Farmers & Merchants State Bank of New York Mills, Incorporated score | Farmers & Merchants State Bank of New York Mills, Incorporated ROA | State Bank of Cold Spring score | State Bank of Cold Spring ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.90% | — | 0.77% |
| 2024-Q4 | — | 0.19% | — | 0.80% |
| 2025-Q1 | — | -0.06% | — | 1.14% |
| 2025-Q2 | — | 0.05% | — | 1.06% |
| 2025-Q3 | — | 0.29% | — | 1.07% |
| 2025-Q4 | — | 0.41% | — | 1.01% |
| 2026-Q1 |
Keep watching
Get access to your dashboard watchlist and future financial-grade alerts.
Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
Capital and asset-quality definitions are directly comparable for this pair.
| Non-performing loans | 2.28% | 1.60%Leads |
| Net charge-offs | -0.01%Leads | -0.00% |
| Efficiency ratio | 72.27% | 61.96%Leads |
| Loan-to-deposit ratio | 53.07% | 63.93% |
| Asset growth (YoY) | 6.07%Leads | -1.65% |
| Deposit / share growth (YoY) | -0.21%Leads | -2.76% |
| Branches | 1 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 70.2/100 |
| 0.72% |
| 67.0/100 |
| 1.64% |
| 2026-Q2 | 71.0/100 | 0.91% | 78.9/100 | 1.60% |