22 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 13, 2026.
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 13, 2026
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 | 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 & 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
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.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Freedom Checking
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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.
Service-charge income rose 15% from Q3 2025 to Q2 2026, to $130K.
$130K
Farmers & Merchants BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Farmers & Merchants 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 | $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% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Farmers & Merchants Bank’s own schedules, with a source for each figure.
per month · Avoid the $10.00 monthly service fee by maintaining a minimum daily balance of $2,000.00
per hour
per month
per month
per item · fee per statement, partial or full
| 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 |
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.
Where Farmers & Merchants Bank operates, and what regulators and customers have on file.
In Dayton-Kettering-Beavercreek, OH, Farmers & Merchants Bank holds 1.7% of bank deposits, #10 of 26, with 4 offices.
217 offices of 43 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 26 institutions shown. $16.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2019 to 2026
June 2026: 1.7% share, 4 offices, #10 of 26
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2019 to 2026.
Credit unions, reported separately
68 offices of 17 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 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
We check once a day and send one email covering every change.