Compared with Georgia
8 of 15
compared fees are above the median.
5 below, 2 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
95th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Georgia median
of 15 compared; 5 below, 2 about the same
See the feesFee schedule read Oct 14, 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 1,681 banks with under $300M 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 Georgia median | Published fees above the Georgia 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 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 7.1% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (95th 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 $170K in Q2 2026, 6.9% above the same quarter a year earlier ($159K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 15 compared published fees sit above the Georgia median; 5 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 Georgia medians for fees published by banks and credit unions.
Wire Transfer (Domestic In)
Non-Network ATM
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 11% from Q3 2025 to Q2 2026, to $170K. Its share of revenue, 7.1%, is above the 2.1% median for banks with under $300M in assets.
$170K
Farmers & Merchants BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Farmers & Merchants Bank · $290M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Farmers & Merchants Bank(this institution) | Eatonton, GA | $290M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 22nd State Banking Company | Mobile, AL | $292M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Castle Rock Bank | Castle Rock, MN | $294M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens State Bank of Roseau | Roseau, MN | $291M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Community Savings | Caldwell, OH | $285M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers Bank | Greenwood, AR | $289M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Federal Savings and Loan Association | Newark, OH | $294M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Federal Savings Bank of Kentucky | Frankfort, KY | $283M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank Of Commerce | Walnut Ridge, AR | $297M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Whitney Bank and Trust | Atlantic, IA | $288M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FNB Picayune Bank | Picayune, MS | $282M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| McClain Bank | Purcell, OK | $294M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nantahala Bank & Trust Company | Franklin, NC | $289M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Pioneer Bank | Sergeant Bluff, IA | $283M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| RNB STATE BANK | Rawlins, WY | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sawyer Savings Bank | Saugerties, NY | $285M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security First Bank of North Dakota | New Salem, ND | $293M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank | Waterloo, IL | $296M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Savings Bank | West Des Moines, IA | $292M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank of Forest | Forest, MS | $296M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Farmers Bank | Nicholasville, KY | $283M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Milaca | Milaca, MN | $293M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Fort Jennings State Bank | Fort Jennings, OH | $286M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Springdale, AR | $296M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United State Bank | Lewistown, MO | $290M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Victory Bank | Lubbock, TX | $285M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.25 among 17 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 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Farmers & Merchants Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 | $170K | +$5K | +3.0% |
| Q1 2026 | $165K | −$2K | −1.2% |
| Q4 2025 | $167K | +$14K | +9.2% |
| Q3 2025 | $153K | −$6K | −3.8% |
| Q2 2025 | $159K | −$3K | −1.9% |
| Q1 2025 | $162K | +$6K | +3.8% |
| Q4 2024 | $156K | −$26K | −14.3% |
| Q3 2024 | $182K | −$7K | −3.7% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 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 item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Research per hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly Paper Statement (Effective 9/15/21) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
ATM & Card | |||
| Foreign ATM Inquiry Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Foreign ATM Transaction Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement ATM/Debit Card Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee (Domestic): Outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee (Domestic): Incoming | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Fee (International): Outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer Fee (International): Incoming | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Bank Check | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Charge | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Encoded Counter Check | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Copy of check or document | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| MasterCard/Visa Cash Advance | $10Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| MasterCard/Visa Cash Advance (audience not stated, treated as personal) | 10%of the advance ($10 minimum, $50 maximum) | Not stated | None |
Account Services | |||
| Notary Services | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishment/Levy | $150Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Maintenance Fee (charged at transfer/account closing) | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Other Fees | |||
| Statement Reprint: each additional page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Research per hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly Paper Statement (Effective 9/15/21) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
ATM & Card | |||
| Foreign ATM Inquiry Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Foreign ATM Transaction Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement ATM/Debit Card Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee (Domestic): Outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee (Domestic): Incoming | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Fee (International): Outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer Fee (International): Incoming | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Bank Check | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Charge | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Encoded Counter Check | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Copy of check or document | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| MasterCard/Visa Cash Advance | $10Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Return Deposit Item Fee (Commercial Only) | $8 | Not stated | None |
Account Services | |||
| Notary Services | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishment/Levy | $150Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Maintenance Fee (charged at transfer/account closing) | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Other Fees | |||
| Statement Reprint: each additional page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 14, 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
2 offices in 1 state, $258.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $258.6M |
Largest competitors nearby
Local market: Putnam county, GA, where it holds the most deposits.
| 1 in its local market | Deposit share |
|---|---|
| The Peoples Bank | 47.6% |
This bank holds 52.4% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
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.