12 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 12, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
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 Iowa, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Farmers and Merchants State Bank · $272M 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 and Merchants State Bank(this institution) | Winterset, IA | $272M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alliance Bank | Mondovi, WI | $266M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| American Bank & Trust Company | Opelousas, LA | $267M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Anahuac National Bank | Anahuac, TX | $266M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of Deerfield | Deerfield, WI | $268M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of the Federated States of Micronesia | Kolonia, FM | $278M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of The Rockies | Helena, MT | $277M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cayuga Lake National Bank | Union Springs, NY | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Clackamas County Bank | Sandy, OR | $266M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Davis Trust Company | Elkins, WV | $275M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Bank of Manhattan | Manhattan, IL | $266M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings and Loan Association of Valdosta | Valdosta, GA | $278M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Bank of Steeleville | Steeleville, IL | $275M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Iowa State Savings Bank | Creston, IA | $277M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jim Thorpe Neighborhood Bank | Jim Thorpe, PA | $265M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mediapolis Savings Bank | Mediapolis, IA | $270M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mission National Bank | San Francisco, CA | $276M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Old Glory Bank | Elmore City, OK | $277M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Patriots Bank | Garnett, KS | $269M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Reliance State Bank | Story City, IA | $277M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| South Georgia Bank | Glennville, GA | $270M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Success Bank | Bloomfield, IA | $277M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Apple Creek Banking Company | Apple Creek, OH | $271M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank and Trust Company of Broken Arrow | Broken Arrow, OK | $269M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Dennison | Dennison, OH | $267M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Wells River Savings Bank | Wells River, VT | $267M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $5.88 among 14 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
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 2, 2026. Total assets from FDIC and NCUA records.
Amounts from Farmers and Merchants State Bank’s own schedules, with a source for each figure.
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance Fee | $5 | per month | None |
| Dormant Fee | $5 | per month | None |
| Account Balancing Assistance | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (1hr. min) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Paid Overdraft Fee (each debit or check paid) | $30 | per item | None |
| Returned Item Fee (Per Item, Per Presentment) as NSF | $30 | per item | None |
ATM & Card | |||
| Replace ATM/Debit Card | $10 | Not stated | None |
Check Services | |||
| Cashiers Check | $10 | Not stated | None |
| Personal Money Order | $5 | Not stated | None |
| Non-Customer Check Cashing | $10 | Not stated | None |
Account Services | |||
| Notary Service (Non-Customer) | $10 | Not stated | None |
| Drilling Lock on Safe Deposit Box Cost + | $100Not compared: Box drilling or key fee | Not stated | None |
| Duplicate Safe Deposit Box Key | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10" x 10" | $60 | per year | None |
| Safe Deposit Box 3" x 10" | $40 | per year | None |
| Safe Deposit Box 3" x 5" | $30 | per year | None |
| Safe Deposit Box 5" x 10" | $45 | per year | None |
| Safe Deposit Box 5" x 5" | $35 | per year | None |
| Garnishments/ Levies | $50 | Not stated | None |
Retirement & IRA | |||
| IRA Elective Distribution Fee | $25 | Not stated | None |
| IRA External Transfer Fee | $50 | per item | None |
Oct 12, 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.
Fee change alerts
We check once a day and send one email covering every change.