Farmers & Merchants Bank

Headquarters: Miamisburg, Ohio
Charter: Bank
Assets: $359.4M
Fed district: Cleveland
Regulator: FDIC
Holding company: F&m Bancorp

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

Source: its fee schedule, read Oct 13, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 13, 2026

How these figures are measured

Call-report figures are for Farmers & Merchants 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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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 & Merchants Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 13, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Farmers & Merchants Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $130K in Q2 2026, 26% above the same quarter a year earlier ($103K).
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
Freedom Checking
Farmers & Merchants Bank: $10
Farmers & Merchants Bank: $10
U.S. median: no median
Overdraft (OD)
Farmers & Merchants Bank: $30
Farmers & Merchants Bank: $30
U.S. median: no median
NSF / Returned Item
Farmers & Merchants Bank: $30
Farmers & Merchants Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland 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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 15% from Q3 2025 to Q2 2026, to $130K.

Service-charge income, Q2 2026

$130K

$113KQ3 2025

$116KQ4 2025

$121KQ1 2026

$130KQ2 2026

Against the median

Farmers & Merchants BankMedian

Sources and open questions

FDIC 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 & Merchants Bank · $359M 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
$349M to $370M 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 & Merchants Bank(this institution)	Miamisburg, OH	$359M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
AmeriFirst Bank	Montgomery, AL	$364M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Citizens National Bank of Albion	Albion, IL	$349M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Commercial Bank & Trust Company	Monticello, AR	$364M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Bank	Lexington, TN	$358M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cowboy Bank	Kremlin, OK	$350M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Desjardins Bank, National Association	Hallandale, FL	$362M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First National Bank in Port Lavaca	Port Lavaca, TX	$361M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
First Shore Federal Savings and Loan Association	Salisbury, MD	$367M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
FlatIrons Bank	Boulder, CO	$370M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frontier Bank	Sioux Falls, SD	$349M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Glenwood State Bank	Glenwood, IA	$353M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Great Southern Bank	Meridian, MS	$355M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Harvest Bank	Kimball, MN	$355M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heritage Bank National Association	Spicer, MN	$361M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Iowa State Bank and Trust Company of Fairfield, Iowa	Fairfield, IA	$352M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Ireland Bank	Malad City, ID	$355M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Logan Bank & Trust Company	Logan, WV	$359M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Native American Bank, National Association	Denver, CO	$362M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
OSB Community Bank	Ottawa, IL	$356M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Premier Bank	Dubuque, IA	$358M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
ProGrowth Bank	Nicollet, MN	$365M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rabun County Bank	Clayton, GA	$362M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Street Bank and Trust Company	Quincy, IL	$357M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Gordon	Gordon, NE	$358M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The First National Bank of Mount Dora	Mount Dora, FL	$358M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $1.05 (12%) above the median of similar-sized banks.

Its published price is $10, against a peer median of $8.95 among 15 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 Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Farmers & Merchants BankPeer (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 Nov 1, 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 & Merchants 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: $130K
vs prior quarter: +$9K+7.4%; from Q1 2026
vs a year earlier: +$27K+26.2%; from Q2 2025
vs start of range: +$50K+62.5%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Farmers & Merchants Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$130K	+$9K	+7.4%
Q1 2026	$121K	+$5K	+4.3%
Q4 2025	$116K	+$3K	+2.7%
Q3 2025	$113K	+$10K	+9.7%
Q2 2025	$103K	+$2K	+2.0%
Q1 2025	$101K	+$5K	+5.2%
Q4 2024	$96K	+$16K	+20.0%
Q3 2024	$80K	+$6K	+8.1%

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 & Merchants Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly service fee$10
per month · Avoid the $10.00 monthly service fee by maintaining a minimum daily balance of $2,000.00
Account Closing (within 6 months)$50
Escheatment Processing$75
Account ReconciliationNo charge
Record Research (per hour)$50
Not compared: Charged per hour; comparison unavailable
per hour
$3.00 monthly maintenance fee for paper statement$3
per month
Monthly maintenance fee for paper statement$3
per month
Statement Request (fee per statement, partial or full)$5
per item · fee per statement, partial or full

Overdraft & NSF

Checking Non-Sufficient Funds (NSF) & Overdraft (OD)$30
Savings Non-Sufficient Funds (NSF) & Overdraft (OD)$30
Savings Non-Sufficient Funds (NSF) & Overdraft (OD)$30

ATM & Card

Replacement of ATM/Debit Card$10
Expedited Delivery of ATM/Debit Card$60

Wire Transfers

Outgoing Domestic Wire Transfer$30
Outgoing International Wire Transfer$55
Incoming Wire Transfer (domestic and international)$15
per item · domestic and international

Check Services

Cashier’s Checks$7
Bank Money Order$5
Stop Payment Order$30
Counter Checks (quantity of 4)$5
Non-Customer On-Us Check Cashing (checks over $50)$5
per item
Collection Item (Domestic)No charge
Collection Item (Foreign)$15

Cash & Deposit

Deposited Item Returned$12

Account Services

Notary FeeNo charge
per item · $5.00 charge for non-F&M customers
Notary Fee$5
Lost Key$10
Not compared: Box drilling or key fee
Garnishment/Lien – Legal or IRS$50
Subpoena Record Research (per hour, charged to law firm)$50
Not compared: Charged per hour; comparison unavailable
per hour

Other Fees

Photocopy FeeNo charge

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee	$10	per month	Avoid the $10.00 monthly service fee by maintaining a minimum daily balance of $2,000.00
Account Closing (within 6 months)	$50	Not stated	None
Escheatment Processing	$75	Not stated	None
Account Reconciliation	No charge	Not stated	None
Record Research (per hour)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
$3.00 monthly maintenance fee for paper statement	$3	per month	None
Monthly maintenance fee for paper statement	$3	per month	None
Statement Request (fee per statement, partial or full)	$5	per item	fee per statement, partial or full
Overdraft & NSF
Checking Non-Sufficient Funds (NSF) & Overdraft (OD)	$30	Not stated	None
Savings Non-Sufficient Funds (NSF) & Overdraft (OD)	$30	Not stated	None
Savings Non-Sufficient Funds (NSF) & Overdraft (OD)	$30	Not stated	None
ATM & Card
Replacement of ATM/Debit Card	$10	Not stated	None
Expedited Delivery of ATM/Debit Card	$60	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer	$30	Not stated	None
Outgoing International Wire Transfer	$55	Not stated	None
Incoming Wire Transfer (domestic and international)	$15	per item	domestic and international
Check Services
Cashier’s Checks	$7	Not stated	None
Bank Money Order	$5	Not stated	None
Stop Payment Order	$30	Not stated	None
Counter Checks (quantity of 4)	$5	Not stated	None
Non-Customer On-Us Check Cashing (checks over $50)	$5	per item	None
Collection Item (Domestic)	No charge	Not stated	None
Collection Item (Foreign)	$15	Not stated	None
Cash & Deposit
Deposited Item Returned	$12	Not stated	None
Account Services
Notary Fee	No charge	per item	$5.00 charge for non-F&M customers
Notary Fee	$5	Not stated	None
Lost Key	$10Not compared: Box drilling or key fee	Not stated	None
Garnishment/Lien – Legal or IRS	$50	Not stated	None
Subpoena Record Research (per hour, charged to law firm)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Other Fees
Photocopy Fee	No charge	Not stated	None

Correct a fee source

Oct 13, 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

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