Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $300M to $1B

Farmers & Merchants Bank of Colby

Colby, KansasBankKansas City Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Monthly Dormant Account Fee/No activity for 1 year, and Undeliverable Mail on an Inactive Account$10Within the typical range ($5–$200 nationally)

per month · Knox deterministic extraction from Rosetta artifact #1693. canonical_hint=monthly_maintenance; text_hash=61c81dd05a511d5579f4977f99c852e1f32b0181d96f4ca0d951093a1cea7140; excerpt="$10.00 Monthly Dormant Account Fee/No activity for 1 year, and Undeliverable Mail on an Inactive Account" · Source

Overdraft & NSFVerified

Overdraft Charge \ For each Overdraft created by check, in-person withdrawal or by other electronic means$20Within the typical range ($7.50–$35 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #1693. canonical_hint=overdraft; text_hash=61c81dd05a511d5579f4977f99c852e1f32b0181d96f4ca0d951093a1cea7140; excerpt="$20.00 Overdraft Charge \ For each Overdraft created by check, in-person withdrawal or by other electronic means" · Source
Return Check Charge \ For each returned item created by check, in-person withdrawal or by other electronic means/Per Ite$25Within the typical range ($10–$30 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #1693. canonical_hint=nsf; text_hash=61c81dd05a511d5579f4977f99c852e1f32b0181d96f4ca0d951093a1cea7140; excerpt="$25.00 Return Check Charge \ For each returned item created by check, in-person withdrawal or by other electronic means/Per Item Per Presentment" · Source

Check ServicesVerified

/4 Counter Check Printing$1Within the typical range ($1–$10 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #1693. canonical_hint=check_printing; text_hash=61c81dd05a511d5579f4977f99c852e1f32b0181d96f4ca0d951093a1cea7140; excerpt="$1.00/4 Counter Check Printing" · Source
Money Order/Cashier’s Check$5Within the typical range ($2–$18.75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1693. canonical_hint=money_order; text_hash=61c81dd05a511d5579f4977f99c852e1f32b0181d96f4ca0d951093a1cea7140; excerpt="$5.00 Money Order/Cashier’s Check" · Source
Stop Payment/Per Request$15Below the typical range ($17.50–$30 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #1693. canonical_hint=stop_payment; text_hash=61c81dd05a511d5579f4977f99c852e1f32b0181d96f4ca0d951093a1cea7140; excerpt="$15.00 Stop Payment/Per Request" · Source

Digital & ElectronicVerified

ACH Unauthorized Return/Per Item$5Within the typical range ($5–$7 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #1693. canonical_hint=ach_return; text_hash=61c81dd05a511d5579f4977f99c852e1f32b0181d96f4ca0d951093a1cea7140; excerpt="$5.00 ACH Unauthorized Return/Per Item" · Source
Expedited Bill Pay$14.95Above the typical range ($0–$11.20 nationally)
$9.95 above the national median
Knox deterministic extraction from Rosetta artifact #1693. canonical_hint=bill_pay; text_hash=61c81dd05a511d5579f4977f99c852e1f32b0181d96f4ca0d951093a1cea7140; excerpt="$14.95 Expedited Bill Pay" · Source

Account ServicesVerified

Garnishments/Per Garnishment$25Within the typical range ($25–$100 nationally)
$25 below the national median
Knox deterministic extraction from Rosetta artifact #1693. canonical_hint=garnishment_levy; text_hash=61c81dd05a511d5579f4977f99c852e1f32b0181d96f4ca0d951093a1cea7140; excerpt="$25.00 Garnishments/Per Garnishment" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Monthly Dormant Account Fee/No activity for 1 year, and Undeliverable Mail on an Inactive Account	$10Within the typical range ($5–$200 nationally)	$7.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #1693. canonical_hint=monthly_maintenance; text_hash=61c81dd05a511d5579f4977f99c852e1f32b0181d96f4ca0d951093a1cea7140; excerpt="$10.00 Monthly Dormant Account Fee/No activity for 1 year, and Undeliverable Mail on an Inactive Account"	Source
Overdraft & NSFVerified
Overdraft Charge \ For each Overdraft created by check, in-person withdrawal or by other electronic means	$20Within the typical range ($7.50–$35 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #1693. canonical_hint=overdraft; text_hash=61c81dd05a511d5579f4977f99c852e1f32b0181d96f4ca0d951093a1cea7140; excerpt="$20.00 Overdraft Charge \ For each Overdraft created by check, in-person withdrawal or by other electronic means"	Source
Check ServicesVerified
/4 Counter Check Printing	$1Within the typical range ($1–$10 nationally)	$4 below the national median	—	Knox deterministic extraction from Rosetta artifact #1693. canonical_hint=check_printing; text_hash=61c81dd05a511d5579f4977f99c852e1f32b0181d96f4ca0d951093a1cea7140; excerpt="$1.00/4 Counter Check Printing"	Source
Money Order/Cashier’s Check	$5
Digital & ElectronicVerified
ACH Unauthorized Return/Per Item	$5Within the typical range ($5–$7 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #1693. canonical_hint=ach_return; text_hash=61c81dd05a511d5579f4977f99c852e1f32b0181d96f4ca0d951093a1cea7140; excerpt="$5.00 ACH Unauthorized Return/Per Item"	Source
Expedited Bill Pay
Account ServicesVerified
Garnishments/Per Garnishment	$25Within the typical range ($25–$100 nationally)	$25 below the national median	—	Knox deterministic extraction from Rosetta artifact #1693. canonical_hint=garnishment_levy; text_hash=61c81dd05a511d5579f4977f99c852e1f32b0181d96f4ca0d951093a1cea7140; excerpt="$25.00 Garnishments/Per Garnishment"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$20

Overdraft fee: $20

20% below the national median overdraft fee

Total fees: 9 — leaner than most institutions

Verified fees

Under review

Assets

$650.8M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$650.8M

Total deposits

$511.3M

Service charge income

$67K

Fee income ratio

1.2%

Return on assets

1.64%

Branches

Service charge income by quarter

Q2 2026$67K

Q1 2026$81K

Q4 2025$94K

Q3 2025$83K

Financial profile · Pro

Performance from regulator filings

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