Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, under $300M

Farmers and Merchants State Bank

Winterset, IowaBankChicago Fed districtFees collected Oct 8, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Balancing Assistance$25Within the typical range ($12–$25 nationally)

Overdraft & NSFVerified

Paid Overdraft Fee (each debit or check paid)$30Within the typical range ($25–$33 nationally)
At the national medianAt the Iowa median
per item · Source
Returned Item Fee (Per Item, Per Presentment) as NSF$30Within the typical range ($25–$32 nationally)
At the national median$1.50 above the Iowa median
per item · Source

ATM & CardVerified

Replace ATM/Debit Card$10Within the typical range ($5–$10 nationally)
At the national medianAt the Iowa median
Source

Check ServicesVerified

Cashiers Check$10Above the typical range ($3–$6 nationally)
$5 above the national median$5 above the Iowa median
Source
Personal Money Order$5Above the typical range ($1.50–$3 nationally)
$3 above the national median$2 above the Iowa median
Source
Non-Customer Check Cashing$10Within the typical range ($5–$10 nationally)
$5 above the national median$5 above the Iowa median
Source

Account ServicesVerified

Notary Service (Non-Customer)$10Above the typical range ($0–$5 nationally)
$7.50 above the national median$5 above the Iowa median
Source
Drilling Lock on Safe Deposit Box Cost +$100Above the typical range ($30–$70 nationally)
$55 above the national median$60.01 above the Iowa median
Source
Duplicate Safe Deposit Box Key$20Below the typical range ($30–$70 nationally)
$25 below the national median$19.99 below the Iowa median
Source
Safe Deposit Box 10" x 10"$60Within the typical range ($30–$70 nationally)
$15 above the national median$20.01 above the Iowa median
per year · Source
Safe Deposit Box 3" x 10"$40Within the typical range ($30–$70 nationally)
$5 below the national median$0.01 above the Iowa median
per year · Source
Safe Deposit Box 3" x 5"$30Within the typical range ($30–$70 nationally)
$15 below the national median$9.99 below the Iowa median
per year · Source
Safe Deposit Box 5" x 10"$45Within the typical range ($30–$70 nationally)
At the national median$5.01 above the Iowa median
per year · Source
Safe Deposit Box 5" x 5"$35Within the typical range ($30–$70 nationally)
$10 below the national median$4.99 below the Iowa median
per year · Source
Garnishments/ Levies$50Within the typical range ($30–$90 nationally)
At the national medianAt the Iowa median
Source

Retirement & IRAVerified

IRA External Transfer Fee$50Above the typical range ($25–$35 nationally)
$25 above the national median$25 above the Iowa median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Balancing Assistance	$25Within the typical range ($12–$25 nationally)	$7.50 above the national median$5 above the Iowa median	—	—	Source
Overdraft & NSFVerified
Paid Overdraft Fee (each debit or check paid)	$30Within the typical range ($25–$33 nationally)	At the national medianAt the Iowa median	per item	—	Source
Returned Item Fee (Per Item, Per Presentment) as NSF	$30
ATM & CardVerified
Replace ATM/Debit Card	$10Within the typical range ($5–$10 nationally)	At the national medianAt the Iowa median	—	—	Source
Check ServicesVerified
Cashiers Check	$10Above the typical range ($3–$6 nationally)	$5 above the national median$5 above the Iowa median	—	—	Source
Personal Money Order	$5
Account ServicesVerified
Notary Service (Non-Customer)	$10Above the typical range ($0–$5 nationally)	$7.50 above the national median$5 above the Iowa median	—	—	Source
Drilling Lock on Safe Deposit Box Cost +	$100
Retirement & IRAVerified
IRA External Transfer Fee	$50Above the typical range ($25–$35 nationally)	$25 above the national median$25 above the Iowa median	per item	—	Source

Fee change alerts

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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.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

17 verified fees collected

Headline fees published

4 of 15

Published fees

Under review

Assets

$271.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$271.7M

Total deposits

$241.1M

Service charge income

$43K

Fee income ratio

1.7%

Return on assets

1.28%

Branches

Service charge income by quarter

Q2 2026$43K

Q1 2026$42K

Q4 2025$49K

Q3 2025$45K

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 65,682 published fee entries from 3,608 institutions

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