Farmers State Bank

Headquarters: Center, Texas
Charter: Bank
Assets: $391.5M
Fed district: Dallas

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

Source: its fee schedule, read Oct 22, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $6.50, the middle of its prices
Farmers State Bank: $3 to $10
Farmers State Bank: $3 to $10
U.S. median: no median
Overdraft (OD)
Farmers State Bank: $30
Farmers State Bank: $30
U.S. median: no median
NSF / Returned Item
Farmers State Bank: $30
Farmers State Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 22, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas 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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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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Published fee schedule

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

Account Maintenance

Monthly maintenance fee$3
per month
Monthly maintenance fee if minimum balance required is not met$10
per month

Overdraft & NSF

Overdraft item fee (Pd NSF/OD)$30
Pd NSF/OD$30
Returned item fee (Ret NSF/OD)$30

ATM & Card

Visa Debit Check Card Replacement Cards$10

Wire Transfers

Wire Transfer – outgoing for customers$25
per item
Wire Transfers International (For currency conversion, call for quote)$60
per item · For currency conversion, call for quote

Check Services

Cashier’s Checks - Customer$5
per item
Cashier's Checks - Non-Customer$10
per item
Money Orders$3
per item
Stop Payment$25
per item
Temporary Checks$0.25
per item
Check Cashing Fees (For non-customers) (audience not stated, treated as personal)1%($5 minimum)
Collection Items$10
per item

Cash & Deposit

Deposited Items – Charge Back$7.50
per item

Account Services

Notary Fee (not associated with any other bank transaction)$10
per item
Safe Deposit Box Rental 10 x 10$65
Safe Deposit Box Rental 15 x 15$125
Safe Deposit Box Rental 3 x 10$30
Safe Deposit Box Rental 3 x 5$20
Safe Deposit Box Rental 5 x 10$50
Garnishment and Tax Levies$50

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$3	per month	None
Monthly maintenance fee if minimum balance required is not met	$10	per month	None
Overdraft & NSF
Overdraft item fee (Pd NSF/OD)	$30	Not stated	None
Pd NSF/OD	$30	Not stated	None
Returned item fee (Ret NSF/OD)	$30	Not stated	None
ATM & Card
Visa Debit Check Card Replacement Cards	$10	Not stated	None
Wire Transfers
Wire Transfer – outgoing for customers	$25	per item	None
Wire Transfers International (For currency conversion, call for quote)	$60	per item	For currency conversion, call for quote
Check Services
Cashier’s Checks - Customer	$5	per item	None
Cashier's Checks - Non-Customer	$10	per item	None
Money Orders	$3	per item	None
Stop Payment	$25	per item	None
Temporary Checks	$0.25	per item	None
Check Cashing Fees (For non-customers) (audience not stated, treated as personal)	1%($5 minimum)	Not stated	None
Collection Items	$10	per item	None
Cash & Deposit
Deposited Items – Charge Back	$7.50	per item	None
Account Services
Notary Fee (not associated with any other bank transaction)	$10	per item	None
Safe Deposit Box Rental 10 x 10	$65	Not stated	None
Safe Deposit Box Rental 15 x 15	$125	Not stated	None
Safe Deposit Box Rental 3 x 10	$30	Not stated	None
Safe Deposit Box Rental 3 x 5	$20	Not stated	None
Safe Deposit Box Rental 5 x 10	$50	Not stated	None
Garnishment and Tax Levies	$50	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

Correct a fee source

Oct 22, 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.

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