Farmers and Merchants Bank

Headquarters: Baldwyn, Mississippi
Charter: Bank
Assets: $565.8M
Fed district: St. Louis

6 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 1, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $10.63, the middle of its prices
Farmers and Merchants Bank: $9.25 to $12
Farmers and Merchants Bank: $9.25 to $12
U.S. median: no median
Paper Statement
Farmers and Merchants Bank: $2
Farmers and Merchants Bank: $2
U.S. median: no median
Minimum Balance
Farmers and Merchants Bank: $9.50
Farmers and Merchants Bank: $9.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Mississippi, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Mississippi: Banks and credit unions headquartered in Mississippi that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Among its peers

Farmers and Merchants Bank · $566M 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.

Banks only
$552M to $580M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Farmers and Merchants Bank(this institution)	Baldwyn, MS	$566M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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 Bank of Northern Missouri	Unionville, MO	$567M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.63 (52%) above the median of similar-sized banks.

Compared at $10.63, the middle of its two prices, against a peer median of $7 among 17 publishing peers.

Its two checking prices are $9.25 and $12.

$10.63 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

Farmers and Merchants Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Farmers and Merchants Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$9.25
per month
Monthly fee$12
per month
Service fee (balance drops below $950)$9.50
per month
Early closing fee$50
Dormant Account$2
per month
Account Research$9
per item
Monthly service fee for Paper Statements$2
per month

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$9.25	per month	None
Monthly fee	$12	per month	None
Service fee (balance drops below $950)	$9.50	per month	None
Early closing fee	$50	Not stated	None
Dormant Account	$2	per month	None
Account Research	$9	per item	None
Monthly service fee for Paper Statements	$2	per month	None

Correct a fee source

Nov 1, 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.

Fee change alerts

Get an email when Farmers and Merchants Bank's safe deposit box changes in our data

We check once a day and send one email covering every change.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $10.63, the middle of its prices
Farmers and Merchants Bank: $9.25 to $12
Farmers and Merchants Bank: $9.25 to $12
U.S. median: no median
Paper Statement
Farmers and Merchants Bank: $2
Farmers and Merchants Bank: $2
U.S. median: no median
Minimum Balance
Farmers and Merchants Bank: $9.50
Farmers and Merchants Bank: $9.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Mississippi: Banks and credit unions headquartered in Mississippi that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Among its peers

Farmers and Merchants Bank · $566M 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.

Banks only
$552M to $580M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Farmers and Merchants Bank(this institution)	Baldwyn, MS	$566M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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 Bank of Northern Missouri	Unionville, MO	$567M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.63 (52%) above the median of similar-sized banks.

Compared at $10.63, the middle of its two prices, against a peer median of $7 among 17 publishing peers.

Its two checking prices are $9.25 and $12.

$10.63 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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Farmers and Merchants Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$9.25
per month
Monthly fee$12
per month
Service fee (balance drops below $950)$9.50
per month
Early closing fee$50
Dormant Account$2
per month
Account Research$9
per item
Monthly service fee for Paper Statements$2
per month

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$9.25	per month	None
Monthly fee	$12	per month	None
Service fee (balance drops below $950)	$9.50	per month	None
Early closing fee	$50	Not stated	None
Dormant Account	$2	per month	None
Account Research	$9	per item	None
Monthly service fee for Paper Statements	$2	per month	None

Correct a fee source

Nov 1, 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.