Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $300M to $1B

Farmers and Merchants Bank of St. Clair

Saint Clair, MissouriBankSt. Louis Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Charge$10Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=dormant_account; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Dormant Charge | $10.00 per month after 12 months of inactivity | Waived if account balance is greater than $5,000.00 on the last business day of the month. Does not apply to Minor" · Source

Paper Statement Fee$4

$1 above the national median

per month · Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=paper_statement; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Paper Statement Fee | $4.00 per month | Fee is charged on accounts receiving paper statements unless otherwise noted." · Source

Reconciliation Fees$30

$10 above the national median

Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=account_research; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Reconciliation Fees - $30.00 per hour, with a minimum charge of $30.00." · Source

Overdraft & NSFVerified

NSF Returned Item Fee$35Above the typical range ($25–$32 nationally)
$6 above the national median
Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=nsf; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="NSF Returned Item Fee | $35.00 returned item fee for each insufficient funds item returned and not paid." · Source

ATM & CardVerified

ATM / Debit Card Services | ATM Foreign Withdrawal$3Within the typical range ($1–$3 nationally)
$1.50 above the national median
per transaction · Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=atm_non_network; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="ATM / Debit Card Services | ATM Foreign Withdrawal | $3.00 fee per withdrawal | Fee for withdrawal done at non-FMB ATM. Appears as "ATM FEE FOR FOREIGN" on statement." · Source
ATM Fee$4Above the typical range ($1–$3 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=atm_non_network; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="ATM Fee - $4.00" · Source

Wire TransfersVerified

Domestic incoming wire$25Above the typical range ($7.50–$15 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=wire_domestic_incoming; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Wire Transfer | $20.00 Domestic incoming wire $25.00 Domestic outgoing wire $60.00 International wire | Wire transfers are not available for non-customers." · Source
Domestic outgoing wire$60Above the typical range ($20–$25 nationally)
$40 above the national median
Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=wire_domestic_outgoing; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Wire Transfer | $20.00 Domestic incoming wire $25.00 Domestic outgoing wire $60.00 International wire | Wire transfers are not available for non-customers." · Source
Wire Transfer$20Below the typical range ($40–$50 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=wire_intl_outgoing; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Wire Transfer | $20.00 Domestic incoming wire $25.00 Domestic outgoing wire $60.00 International wire | Wire transfers are not available for non-customers." · Source

Check ServicesVerified

Stop Payment Fee$35Above the typical range ($20–$30 nationally)
$8 above the national median
Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=stop_payment; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Stop Payment Fee | $35.00 | This fee is per stop payment order." · Source

Account ServicesVerified

Forced Entry to Safe Deposit Box Fee$225Above the typical range ($25–$80 nationally)
$185 above the national median
Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=safe_deposit_box; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Forced Entry to Safe Deposit Box Fee - $225.00 per occurrence. This also applies to lost keys." · Source
Garnishment Fee$75Within the typical range ($25–$75 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=garnishment_levy; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Garnishment Fee - $75.00 charged to the garnished account." · Source
Notary Fee$2Within the typical range ($0–$5 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=notary_fee; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Notary Fee | $2.00 | Not available to non-customers." · Source
Subpoena/Production of Documents$30Within the typical range ($25–$100 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=legal_process; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Subpoena/Production of Documents - $30.00 per hour, with a minimum charge of $30.00. $.25 per page for photocopies, and actual cost of shipping or postage." · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Charge	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=dormant_account; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Dormant Charge \| $10.00 per month after 12 months of inactivity \| Waived if account balance is greater than $5,000.00 on the last business day of the month. Does not apply to Minor"	Source
Paper Statement Fee	$4Within the typical range ($2–$5 nationally)	$1 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=paper_statement; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Paper Statement Fee \| $4.00 per month \| Fee is charged on accounts receiving paper statements unless otherwise noted."	Source
Reconciliation Fees	$30Above the typical range ($15–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=account_research; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Reconciliation Fees - $30.00 per hour, with a minimum charge of $30.00."	Source
Overdraft & NSFVerified
NSF Returned Item Fee	$35Above the typical range ($25–$32 nationally)	$6 above the national median	—	Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=nsf; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="NSF Returned Item Fee \| $35.00 returned item fee for each insufficient funds item returned and not paid."	Source
ATM & CardVerified
ATM / Debit Card Services \| ATM Foreign Withdrawal	$3Within the typical range ($1–$3 nationally)	$1.50 above the national median	per transaction	Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=atm_non_network; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="ATM / Debit Card Services \| ATM Foreign Withdrawal \| $3.00 fee per withdrawal \| Fee for withdrawal done at non-FMB ATM. Appears as "ATM FEE FOR FOREIGN" on statement."	Source
Wire TransfersVerified
Domestic incoming wire	$25Above the typical range ($7.50–$15 nationally)	$15 above the national median	—	Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=wire_domestic_incoming; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Wire Transfer \| $20.00 Domestic incoming wire $25.00 Domestic outgoing wire $60.00 International wire \| Wire transfers are not available for non-customers."	Source

Check ServicesVerified
Stop Payment Fee	$35Above the typical range ($20–$30 nationally)	$8 above the national median	—	Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=stop_payment; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Stop Payment Fee \| $35.00 \| This fee is per stop payment order."	Source
Account ServicesVerified
Forced Entry to Safe Deposit Box Fee	$225Above the typical range ($25–$80 nationally)	$185 above the national median	—	Knox deterministic extraction from Rosetta artifact #3805. canonical_hint=safe_deposit_box; text_hash=f723fd18077ef5f31fc2cd3028da8317f3483348bf3302722eedfa42049763a1; excerpt="Forced Entry to Safe Deposit Box Fee - $225.00 per occurrence. This also applies to lost keys."	Source
Garnishment Fee

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $35

21% above the national median NSF fee

Total fees: 14 — leaner than most institutions

Verified fees

Under review

Assets

$343.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$343.5M

Total deposits

$301.1M

Service charge income

$171K

Fee income ratio

4.5%

Return on assets

1.20%

Branches

Service charge income by quarter

Q2 2026$171K

Q1 2026$158K

Q4 2025$177K

Q3 2025$174K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 21,453 verified fees from 2,141 institutions

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