Farmers State Bank

Headquarters: Center, Texas
Charter: Bank
Assets: $391.5M
Fed district: Dallas
Regulator: FDIC
Holding company: Farmers Bancshares Inc.

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

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

Overview

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 22, 2026

How these figures are measured

Call-report figures are for Farmers State 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) 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 State Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 22, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Farmers State Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $240K in Q2 2026, 4.3% above the same quarter a year earlier ($230K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

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.

Fee income beside fee prices

Service-charge income rose 3.9% from Q3 2025 to Q2 2026, to $240K.

Service-charge income, Q2 2026

$240K

$231KQ3 2025

$230KQ4 2025

$222KQ1 2026

$240KQ2 2026

Against the median

Farmers State BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Farmers State Bank · $391M 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.

Banks only
$385M to $397M in assets
Headquartered in 17 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 State Bank(this institution)	Center, TX	$391M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ascendia Bank	Glen Rock, NJ	$395M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Balboa Thrift and Loan Association	Chula Vista, CA	$394M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
BankGloucester	Gloucester, MA	$387M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Central Bank	Tampa, FL	$387M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank of Santa Maria	Santa Maria, CA	$397M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
First Iowa State Bank	Albia, IA	$396M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of Clarksdale	Clarksdale, MS	$386M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Secure Bank and Trust Co.	Palos Hills, IL	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grant County State Bank	Swayzee, IN	$396M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Great Plains State Bank	Petersburg, NE	$392M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Locality Bank	Fort Lauderdale, FL	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
New Valley Bank & Trust	Springfield, MA	$385M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Peoples State Bank of Hallettsville	Hallettsville, TX	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Peoples Trust Company of St. Albans	Saint Albans, VT	$395M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Bank of Glen Burnie	Glen Burnie, MD	$395M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Citizens National Bank of Park Rapids	Park Rapids, MN	$397M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Clinton National Bank	Clinton, IA	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Community State Bank	Poteau, OK	$393M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Fahey Banking Company	Marion, OH	$385M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First Citizens National Bank of Upper Sandusky	Upper Sandusky, OH	$390M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
THE HOME LOAN SAVINGS BANK	Coshocton, OH	$387M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Peoples Community Bank	Mazomanie, WI	$389M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Shelby State Bank	Shelby, MI	$397M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
TrustTexas Bank, SSB	Cuero, TX	$393M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Universal Bank	West Covina, CA	$388M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.95 (23%) below the median of similar-sized banks.

Compared at $6.50, the middle of its two prices, against a peer median of $8.45 among 12 publishing peers.

Its two checking prices are $3 and $10.

$6.50 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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Farmers State Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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 31, 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.

Financial performance

Call reports for Farmers State Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $240K
vs prior quarter: +$18K+8.1%; from Q1 2026
vs a year earlier: +$10K+4.3%; from Q2 2025
vs start of range: −$4K−1.6%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Farmers State Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$240K	+$18K	+8.1%
Q1 2026	$222K	−$8K	−3.5%
Q4 2025	$230K	−$1K	−0.4%
Q3 2025	$231K	+$1K	+0.4%
Q2 2025	$230K	−$20K	−8.0%
Q1 2025	$250K	$0	0.0%
Q4 2024	$250K	+$6K	+2.5%
Q3 2024	$244K	+$12K	+5.2%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

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.

Branches and public record

Where Farmers State Bank operates, and what regulators and customers have on file.

Enforcement actions

None on file with the Federal Reserve and Texas Department of Banking

The Federal Reserve and Texas Department of Banking have no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve and Texas Department of Banking, 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

Get an email when Farmers State Bank's wire transfer changes in our data

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