Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

Farmers & Merchants Bank of Colby

Colby, KansasBankKansas City Fed districtFees collected Oct 8, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published 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–$10 nationally)

Overdraft & NSFVerified

Overdraft Charge \ For each Overdraft created by check, in-person withdrawal or by other electronic means$20Below the typical range ($25–$33 nationally)
$10 below the national median$7 below the Kansas median
per item · 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 ($25–$32 nationally)
$5 below the national medianAt the Kansas median
per item · Source

ATM & CardVerified

ATM Withdrawal Fee/Non-Local ATM$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$0.63 below the Kansas median
Source

Cash & DepositVerified

Return Deposited Item Charge/Per Item$2Below the typical range ($8–$25 nationally)
$13 below the national median$8 below the Kansas median
per item · Source

Account ServicesVerified

Safe Deposit Box 3”x10”x22”/Year$30Within the typical range ($30–$70 nationally)
$15 below the national median$2.25 below the Kansas median
per year · Source
Safe Deposit Box 3”x5”x22”/Year$19Below the typical range ($30–$70 nationally)
$26 below the national median$13.25 below the Kansas median
per year · Source
Safe Deposit Box 4”x10”x22”/Year$50Within the typical range ($30–$70 nationally)
$5 above the national median$17.75 above the Kansas median
per year · Source
Safe Deposit Box 4”x5”x22”/Year$21Below the typical range ($30–$70 nationally)
$24 below the national median$11.25 below the Kansas median
per year · Source
Safe Deposit Box 5”x5”x22”/Year$25Below the typical range ($30–$70 nationally)
$20 below the national median$7.25 below the Kansas median
per year · Source
Safe Deposit Box Drilling/Per Box$14Below the typical range ($30–$70 nationally)
$31 below the national median$18.25 below the Kansas median
per year · Source
Garnishments/Per Garnishment$25Below the typical range ($30–$87.50 nationally)
$25 below the national median$10 above the Kansas median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	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–$10 nationally)	$5 above the national median$5 above the Kansas median	per month	—	Source
Overdraft & NSFVerified
Overdraft Charge \ For each Overdraft created by check, in-person withdrawal or by other electronic means	$20Below the typical range ($25–$33 nationally)	$10 below the national median$7 below the Kansas median	per item	—	Source
Return Check Charge \ For each returned item created by check, in-person withdrawal or by other electronic means/Per Ite
ATM & CardVerified
ATM Withdrawal Fee/Non-Local ATM	$1Within the typical range ($1–$2.25 nationally)	$0.50 below the national median$0.63 below the Kansas median	—	—	Source
Cash & DepositVerified
Return Deposited Item Charge/Per Item	$2Below the typical range ($8–$25 nationally)	$13 below the national median$8 below the Kansas median	per item	—	Source
Account ServicesVerified
Safe Deposit Box 3”x10”x22”/Year	$30Within the typical range ($30–$70 nationally)	$15 below the national median$2.25 below the Kansas median	per year	—	Source
Safe Deposit Box 3”x5”x22”/Year	$19

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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

33% below the national median overdraft fee

12 verified fees collected

Headline fees published

4 of 15

Published 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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