Compared with Missouri
4 of 20
compared fees are above the median.
14 below, 2 about the same.
About the same: within 1% of the median.
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
76th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Missouri median
of 20 compared; 14 below, 2 about the same
See the feesFee 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) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Missouri median | Published fees above the Missouri 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 charges were 3.5% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (76th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
4 of 20 compared published fees sit above the Missouri median; 14 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Missouri 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
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. Its share of revenue, 3.5%, is above the 2.1% median for banks with $300M to $1B in assets.
$203K
Farmers Bank of Northern MissouriMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $3 to $5; we compare the midpoint.
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 17 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 |
| First Seacoast Bank | Dover, NH | $576M | Monthly maintenance not published | 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 |
| 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 · 16 publish this fee(monthly maintenance)
9 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 $7.50 among 16 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 Oct 26, 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 26, 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% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Farmers Bank of Northern Missouri left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Farmers Bank of Northern Missouri by share.
Amounts from Farmers Bank of Northern Missouri’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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 | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | Account: Hometown Basic Checking |
| Monthly Maintenance | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Minimum balance fee if the average daily balance drops below $50.00 | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Closed within 90 days of opening | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | 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 | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail | $2Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft fee | $22.50Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF / Returned Item | $22.50Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Foreign ATM Charge | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card replacement fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer - Domestic | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfer (customer) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing Wire Transfer - International | $70Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Personal Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Item Fee - Incoming | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item Fee - Outgoing | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counting (non-customers) | 5%($5 minimum) | Not stated | None |
| Returned Deposited Item Fee | No chargeBelow the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Lost Night Deposit Key | $25Above the U.S. middle 50% ($5 to $15 nationally) | 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 | $40Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Third Party Verification Form Completion | $12.50Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Fax Copies - Incoming | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Fax Copies - Outgoing | $2Inside the U.S. middle 50% ($2 to $5 nationally) | 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.
Branch footprint
10 offices in 2 states, $478.4M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 10 | $478.4M |
Largest competitors nearby
Local market: Daviess, Grundy and Putnam counties, MO, where it holds the most deposits in its main state.
| 6 in its local market | Deposit share |
|---|---|
| BTC Bank | 27.3% |
| Putnam County State Bank | 18.9% |
| Southern Bank | 8.3% |
| U.S. Bank National Association | 8.1% |
| Farmers State Bank | 3.6% |
This bank holds 32.3% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
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 1, 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.