21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 16, 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 16, 2026
Call-report figures are for Farmers Bank of Northern Missouri 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 Bank of Northern Missouri's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $203K in Q2 2026, 11% above the same quarter a year earlier ($183K).
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
Hometown Basic Checking $3 to $5
Compared at $4, 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 Missouri, 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 2.9% from Q3 2025 to Q2 2026, to $203K.
$203K
Farmers Bank of Northern MissouriMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Farmers Bank of Northern Missouri · $567M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Farmers Bank of Northern Missouri(this institution) | Unionville, MO | $567M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Baraboo State Bank | Baraboo, WI | $570M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bay State Savings Bank | Worcester, MA | $580M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Central State Bank | State Center, IA | $558M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Century Bank | Lucedale, MS | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens' Bank & Trust Co. | Van Buren, AR | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Commercial Bank | Ithaca, MI | $553M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eastern Michigan Bank | Croswell, MI | $554M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Bank | Baldwyn, MS | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Bank | McComb, MS | $563M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Commercial Bank, National Association | Seguin, TX | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings and Loan Association of Lorain | Lorain, OH | $574M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First National Bank & Trust Company of McAlester | McAlester, OK | $580M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Home Federal Savings and Loan Association of Grand Island | Grand Island, NE | $563M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hyperion Bank | Philadelphia, PA | $570M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| International Bank of Commerce | Zapata, TX | $568M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mountain Valley Bank | Walden, CO | $557M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nebraska Bank | Dodge, NE | $552M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Northwestern Mutual Wealth Management | Milwaukee, WI | $558M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Portage Community Bank | Ravenna, OH | $552M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Redwood Capital Bank | Eureka, CA | $566M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SouthTrust Bank, N.A. | George West, TX | $579M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The National Bank of Middlebury | Middlebury, VT | $554M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Bank of Union | Union, MO | $578M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Mississippi Bank | Natchez, MS | $561M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| West Point Bank | Radcliff, KY | $561M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $4, the middle of its two prices, against a peer median of $7 among 17 publishing peers.
Its two checking prices are $3 and $5.
$4 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 Nov 2, 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Farmers Bank of Northern Missouri (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 | $203K | −$4K | −1.9% |
| Q1 2026 | $207K | −$6K | −2.8% |
| Q4 2025 | $213K | +$4K | +1.9% |
| Q3 2025 | $209K | +$26K | +14.2% |
| Q2 2025 | $183K | +$1K | +0.5% |
| Q1 2025 | $182K | −$37K | −16.9% |
| Q4 2024 | $219K | −$1K | −0.5% |
| Q3 2024 | $220K | +$22K | +11.1% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Farmers Bank of Northern Missouri’s own schedules, with a source for each figure.
per month · Account: Hometown Basic Checking
per month
per month
per hour
per hour
per item
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Fee – The monthly fee | $3 | per month | Account: Hometown Basic Checking |
| Monthly Maintenance | $5 | per month | None |
| Minimum balance fee if the average daily balance drops below $50.00 | $5 | Not stated | None |
| Account Closed within 90 days of opening | $10 | Not stated | None |
| Dormant Account Fee | $2 | per month | None |
| Account Balancing Assistance (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research Fee (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Minimum Balance Fee with Mailed Statements | $5 | Not stated | None |
| Returned Mail | $2Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft fee | $22.50 | per item | None |
| NSF / Returned Item | $22.50 | per item | None |
ATM & Card | |||
| Foreign ATM Charge | No charge | Not stated | None |
| Debit Card replacement fee | $15 | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer - Domestic | $15 | Not stated | None |
| Incoming Wire Transfer (customer) | No charge | Not stated | None |
| Outgoing Wire Transfer - International | $70 | Not stated | None |
Check Services | |||
| Cashier's Check | $3 | Not stated | None |
| Personal Money Orders | $2 | Not stated | None |
| Stop Payment Fee | $20 | Not stated | None |
| Collection Item Fee - Incoming | $20 | Not stated | None |
| Collection Item Fee - Outgoing | $20 | Not stated | None |
Cash & Deposit | |||
| Coin Counting (non-customers) | 5%($5 minimum) | Not stated | None |
| Returned Deposited Item Fee | No charge | Not stated | None |
| Lost Night Deposit Key | $25 | Not stated | None |
Account Services | |||
| Notary Fees _______________________________________ | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Late Payment Fee on Box Rent | $5Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box (Replacement Key) | $30Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Drilling ____________________________ Varies | $90Not compared: Box drilling or key fee | Not stated | None |
| Garnishments and Levy Fee | $40 | Not stated | None |
| Third Party Verification Form Completion | $12.50 | Not stated | None |
Other Fees | |||
| Fax Copies - Incoming | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Fax Copies - Outgoing | $2 | Not stated | None |
| Photocopies | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
Oct 16, 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 Bank of Northern Missouri operates, and what regulators and customers have on file.
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.