Compared with Ohio
11 of 22
compared fees are above the median.
4 below, 7 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
71st percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Ohio median
of 22 compared; 4 below, 7 about the same
See the feesFee 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) 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 Ohio median | Published fees above the Ohio 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 charges were 3.1% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (71st 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 $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.
11 of 22 compared published fees sit above the Ohio 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 Ohio medians for fees published by banks and credit unions.
Monthly Maintenance
Freedom Checking
Overdraft (OD)
NSF / Returned Item
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. Its share of revenue, 3.1%, is above the 2.1% median for banks with $300M to $1B in assets.
$130K
Farmers & Merchants 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.
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% |
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, Farmers & Merchants Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Farmers & Merchants Bank by share.
Amounts from Farmers & Merchants Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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
per item · domestic and international
per item
per item · $5.00 charge for non-F&M customers
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | Avoid the $10.00 monthly service fee by maintaining a minimum daily balance of $2,000.00 |
| Account Closing (within 6 months) | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment Processing | $75Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation | No chargeBelow the U.S. middle 50% ($6 to $25 nationally) | 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 | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Monthly maintenance fee for paper statement | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Statement Request (fee per statement, partial or full) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per item | fee per statement, partial or full |
Overdraft & NSF | |||
| Checking Non-Sufficient Funds (NSF) & Overdraft (OD) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Savings Non-Sufficient Funds (NSF) & Overdraft (OD) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Savings Non-Sufficient Funds (NSF) & Overdraft (OD) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Replacement of ATM/Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Delivery of ATM/Debit Card | $60Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing International Wire Transfer | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming Wire Transfer (domestic and international) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | per item | domestic and international |
Check Services | |||
| Cashier’s Checks | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Bank Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Order | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks (quantity of 4) | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Non-Customer On-Us Check Cashing (checks over $50) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection Item (Domestic) | No chargeBelow the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item (Foreign) | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Item Returned | $12Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Fee | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | per item | $5.00 charge for non-F&M customers |
| Notary Fee | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Lost Key | $10Not compared: Box drilling or key fee | Not stated | None |
| Garnishment/Lien – Legal or IRS | $50Inside the U.S. middle 50% ($30 to $85 nationally) | 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 chargeBelow the U.S. middle 50% ($2 to $5 nationally) | 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.
Branch footprint
5 offices in 1 state, $307.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 4 | $282.3M | |
| 1 | $25.0M |
Dayton-Kettering-Beavercreek, OH
1.7% of bank deposits, #10 of 26, up 0.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Fifth Third Bank, National Association | 26.9% |
| JPMorgan Chase Bank, National Association | 16.8% |
| PNC Bank, National Association | 13.3% |
| U.S. Bank National Association | 8.6% |
| KeyBank National Association | 8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
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 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.