17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 20, 2026.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 20, 2026
Call-report figures are for Farmers & Merchants Bank of Colby at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Farmers & Merchants Bank of Colby's published fee schedule; Bank Fee Index medians | Current schedule | Oct 20, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $67K in Q2 2026, 21% below the same quarter a year earlier ($85K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $9.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 19% from Q3 2025 to Q2 2026, to $67K.
$67K
Farmers & Merchants Bank of ColbyMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Farmers & Merchants Bank of Colby · $651M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 13 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Farmers & Merchants Bank of Colby(this institution) | Colby, KS | $651M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| AbbyBank | Abbotsford, WI | $662M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| American State Bank | Arp, TX | $638M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank & Trust Company | Litchfield, IL | $641M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Carroll Bank and Trust | Huntingdon, TN | $662M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Carver Federal Savings Bank | New York, NY | $658M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| CCB Community Bank | Andalusia, AL | $662M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Classic Bank, National Association | Cameron, TX | $657M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Eagle Bank | Chicago, IL | $650M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Hope Bank, A National Banking Association | Hope, NJ | $657M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank and Trust Company, Inc. | Caruthersville, MO | $659M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Haverhill Bank | Haverhill, MA | $637M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| High Plains Bank | Flagler, CO | $643M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Home Federal Bank | Shreveport, LA | $644M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Homeland Federal Savings Bank | Columbia, LA | $658M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Legence Bank | Eldorado, IL | $643M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Modern Bank, National Association | New York, NY | $649M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Peoples Bank & Trust | Pana, IL | $657M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Spring Bank | Bronx, NY | $641M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Stockmens Bank | Colorado Springs, CO | $651M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank of Tescott | Tescott, KS | $648M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The State National Bank of Big Spring | Big Spring, TX | $640M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| TrustBank | Olney, IL | $640M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Walpole Co-operative Bank | Walpole, MA | $646M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Woodlands Bank | Williamsport, PA | $640M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Worthington Bank | Arlington, TX | $655M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $9.50, the middle of its two prices, against a peer median of $7 among 13 publishing peers.
Its two checking prices are $7 and $12.
$9.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for Farmers & Merchants Bank of Colby (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $67K | −$14K | −17.3% |
| Q1 2026 | $81K | −$13K | −13.8% |
| Q4 2025 | $94K | +$11K | +13.3% |
| Q3 2025 | $83K | −$2K | −2.4% |
| Q2 2025 | $85K | +$14K | +19.7% |
| Q1 2025 | $71K | −$18K | −20.2% |
| Q4 2024 | $89K | +$15K | +20.3% |
| Q3 2024 | $74K | +$6K | +8.8% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Farmers & Merchants Bank of Colby’s own schedules, with a source for each figure.
per month
per month
per month
per item
per item
per year
per year
per year
per year
per year
per year
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Earn interest on checking Monthly service charge | $12 | per month | None |
| Interest Checking Monthly service charge | $7 | per month | None |
| Monthly Dormant Account Fee/No activity for 1 year, and Undeliverable Mail on an Inactive Account | $10 | per month | None |
| Excess Withdrawal Fee | $1 | per item | None |
| Excess Withdrawal Fee – per item if over 9 per quarter/Savings Account (audience not stated, treated as personal) | $1 | per item | None |
Overdraft & NSF | |||
| Overdraft Charge \ For each Overdraft created by check, in-person withdrawal or by other electronic means | $20 | per item | None |
| Return Check Charge \ For each returned item created by check, in-person withdrawal or by other electronic means/Per Ite | $25 | per item | None |
ATM & Card | |||
| ATM Withdrawal Fee/Non-Local ATM | $1 | Not stated | None |
| Debit Card Replacement/Per Request | $5 | per item | None |
Wire Transfers | |||
| Wire Transfer-Customer Outgoing / Per Transfer | $20 | Not stated | None |
Check Services | |||
| Money Order/Cashier’s Check | $5 | Not stated | None |
| Stop Payment/Per Request | $15 | per item | None |
Digital & Electronic | |||
| ACH Unauthorized Return/Per Item | $5 | per item | None |
| Expedited Bill Pay | $14.95 | Not stated | None |
Cash & Deposit | |||
| Return Deposited Item Charge/Per Item | $2 | per item | None |
| Night Drop Key Replacement | $10 | Not stated | None |
Account Services | |||
| Safe Deposit Box 10”x10”x22”/Year | $50 | per year | None |
| Safe Deposit Box 3”x10”x22”/Year | $25 | per year | None |
| Safe Deposit Box 4”x10”x22”/Year | $30 | per year | None |
| Safe Deposit Box 4”x5”x22”/Year | $19 | per year | None |
| Safe Deposit Box 5”x5”x22”/Year | $21 | per year | None |
| Safe Deposit Box Drilling/Per Box | $14Not compared: Box drilling or key fee | per year | None |
| Safe Deposit Box Drilling/Per Box | $100Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box non-key return | $10Not compared: Box drilling or key fee | Not stated | None |
| Garnishments/Per Garnishment | $25 | per item | None |
Other Fees | |||
| Fax/Per Page | $2 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 20, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Farmers & Merchants Bank of Colby operates, and what regulators and customers have on file.
In Denver-Aurora-Centennial, CO, Farmers & Merchants Bank of Colby holds 0% of bank deposits, #56 of 68, with 1 office.
763 offices of 109 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 68 institutions shown. $113.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2024 to 2026
June 2026: 0% share, 1 office, #56 of 68
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2024 to 2026.
Credit unions, reported separately
182 offices of 41 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.