Compared with North Carolina
12 of 18
compared fees are above the median.
4 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
72nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the North Carolina median
of 18 compared; 4 below, 2 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for Mechanics & Farmers Bank 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 North Carolina median | Published fees above the North Carolina median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Mechanics & Farmers Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.2% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (72nd 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 $176K in Q2 2026, 3.3% below the same quarter a year earlier ($182K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
12 of 18 compared published fees sit above the North Carolina median; 4 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 North Carolina medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
Compared at $35, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 3.3% from Q3 2025 to Q2 2026, to $176K. Its share of revenue, 3.2%, is above the 2.1% median for banks with $300M to $1B in assets.
$176K
Mechanics & Farmers BankMedian
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.
Mechanics & Farmers Bank · $476M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Mechanics & Farmers Bank(this institution) | Durham, NC | $476M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Arundel Federal Savings Bank | Glen Burnie, MD | $492M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Century Bank and Trust | Milledgeville, GA | $491M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank & Trust Company | Plaquemine, LA | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens National Bank of Cheboygan | Cheboygan, MI | $471M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dean Co-operative Bank | Franklin, MA | $494M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Eclipse Bank, Inc. | Louisville, KY | $486M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| EvaBank | Eva, AL | $491M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank in New Bremen | New Bremen, OH | $467M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FNB Community Bank | Midwest City, OK | $480M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| FSNB, National Association | Lawton, OK | $478M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fulton Savings Bank | Fulton, NY | $492M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hoyne Savings Bank | Chicago, IL | $480M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Iowa State Bank | Des Moines, IA | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Local Bank | Hulbert, OK | $463M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meade County Bank | Brandenburg, KY | $458M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northview Bank | Sandstone, MN | $470M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ohio State Bank | Bexley, OH | $484M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pbt Bancorp | Hazard, KY | $473M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Seamen's Bank | Provincetown, MA | $478M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest Capital Bank | Albuquerque, NM | $483M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sterling Federal Bank, F.S.B. | Sterling, IL | $482M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank, National Association | McAlester, OK | $488M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bippus State Bank | Huntington, IN | $459M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Citizens Bank of Clovis | Clovis, NM | $493M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wallkill Valley Federal Savings and Loan Association | Wallkill, NY | $485M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ 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
Its published price is $50, against a peer median of $7 among 16 publishing peers.
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 Mechanics & Farmers Bank (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 | $176K | −$4K | −2.2% |
| Q1 2026 | $180K | +$2K | +1.1% |
| Q4 2025 | $178K | −$4K | −2.2% |
| Q3 2025 | $182K | $0 | 0.0% |
| Q2 2025 | $182K | −$4K | −2.2% |
| Q1 2025 | $186K | −$6K | −3.1% |
| Q4 2024 | $192K | −$8K | −4.0% |
| Q3 2024 | $200K | +$12K | +6.4% |
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, Mechanics & Farmers Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Mechanics & Farmers Bank by share.
Amounts from Mechanics & Farmers Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
per item
per item
per item
per item
per item
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service | $50Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing Fee (if closed within 90 days of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Statement Reconciliation (per hour or any part thereof) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Withdrawal (W/D) Fee – Money Market | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Excessive Withdrawal (W/D) Fee – Savings | $2Below the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Paid Item Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Items – Special Instructions | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM/Debit Card Replacement | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check – Customer | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier’s Check – Non Customer with an M&F check | $15Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Counter Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing (non customer) | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Items | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Per check/statement copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Fee per ACH file | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Item Fee | $12Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary – Customer | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Annual Fee: 3×5 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box – Drilling | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box – Key Replacement | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box – Late Charge | $10Not compared: Box drilling or key fee | Not stated | None |
| Garnishments or Levies | $125Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Special/Interim/Duplicate Statements | $7Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service | $50Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing Fee (if closed within 90 days of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Statement Reconciliation (per hour or any part thereof) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Withdrawal (W/D) Fee – Commercial Money Market | $15 | per item | None |
| Excessive Withdrawal (W/D) Fee – Commercial Savings | $5 | per item | None |
| Excessive Withdrawal (W/D) Fee – Money Market | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Excessive Withdrawal (W/D) Fee – Savings | $2Below the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Paid Item Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Items – Special Instructions | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM/Debit Card Replacement | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check – Customer | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier’s Check – Non Customer with an M&F check | $15Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Counter Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing (non customer) | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Items | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Per check/statement copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Fee per ACH file | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Item Fee | $12Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary – Customer | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box – Drilling | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box – Key Replacement | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box – Late Charge | $10Not compared: Box drilling or key fee | Not stated | None |
| Garnishments or Levies | $125Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Special/Interim/Duplicate Statements | $7Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 17, 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 Mechanics & Farmers Bank operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state, $402.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $274.2M | |
| 2 | $48.9M | |
| 1 | $29.9M | |
| 1 | $28.1M | |
| 1 | $21.1M |
Durham-Chapel Hill, NC
1.5% of bank deposits, #14 of 18, up 0.9 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Banc of California | 38% |
| Wells Fargo Bank, National Association | 14.3% |
| Truist Bank | 13.7% |
| Bank of America, National Association | 8.5% |
| First Horizon Bank | 5.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Durham-Chapel Hill, NC, Mechanics & Farmers Bank holds 1.5% of bank deposits, #14 of 18, with 3 offices.
136 offices of 29 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 18 institutions shown. $18.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.5% share, 3 offices, #14 of 18
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
38 offices of 11 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 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.