Compared with Kentucky
6 of 16
compared fees are above the median.
5 below, 5 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
57th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kentucky median
of 16 compared; 5 below, 5 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for The Farmers 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 Kentucky median | Published fees above the Kentucky median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Farmers Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.4% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (57th 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 $60K in Q2 2026, 33% above the same quarter a year earlier ($45K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 16 compared published fees sit above the Kentucky 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 Kentucky medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $7.50, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Kentucky, 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 22% from Q3 2025 to Q2 2026, to $60K. Its share of revenue, 2.4%, is above the 2.1% median for banks with under $300M in assets.
$60K
The Farmers 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. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
The Farmers Bank · $283M 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 |
|---|---|---|---|---|---|---|---|
| The Farmers Bank(this institution) | Nicholasville, KY | $283M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Bank of Wolcott | Wolcott, IN | $280M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| 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 |
| Farmers & Merchants Bank | Eatonton, GA | $290M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 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 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 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 |
| Grand Bank for Savings, FSB | Hattiesburg, MS | $280M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | 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 |
| 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 |
| 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 |
| Old Glory Bank | Elmore City, OK | $277M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 |
| 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 |
| Sawyer Savings Bank | Saugerties, NY | $285M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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 Farmers State Bank of Waupaca | Waupaca, WI | $279M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 State Bank | Lewistown, MO | $290M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Unity Bank of Mississippi | Holly Springs, MS | $282M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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
Compared at $7.50, the middle of its two prices, against a peer median of $7.25 among 17 publishing peers.
Its two checking prices are $5 and $10.
$7.50 is a comparison price, not a fee anyone is charged.
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 4, 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 4, 2026. Total assets from FDIC and NCUA records.
Call reports for The Farmers 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 | $60K | +$2K | +3.4% |
| Q1 2026 | $58K | +$2K | +3.6% |
| Q4 2025 | $56K | +$7K | +14.3% |
| Q3 2025 | $49K | +$4K | +8.9% |
| Q2 2025 | $45K | +$3K | +7.1% |
| Q1 2025 | $42K | −$8K | −16.0% |
| Q4 2024 | $50K | +$9K | +22.0% |
| Q3 2024 | $41K | −$2K | −4.7% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, The Farmers Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Farmers Bank by share.
Amounts from The Farmers Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per hour
per month
per month
per item
per item
per day
per transaction
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Fees: A monthly service fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Maintenance | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Balancing Assistance - per hour | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research - per hour, minimum 1 hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement - per statement cycle | $5.95Above the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Paper Statement Fee | $5.95Above the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Check Charge (NSF)- per item | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Daily Overdraft Fee - per day after 5th business day until balance is positive | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| ATM Service Charge - per transaction | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
Wire Transfers | |||
| Wire Transfer Fee - Outgoing - Customer Only = per transfer | $17Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer Fee - International - Customer Only - per transfer plus Correspondent | $42Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashiers Check - per check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Item - valid for 6 months or until stopped - per item | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks - per ten (10) checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Item - per item | $5Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box 10" X 10" | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10" X 10" (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3"X 10" | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3"X 10" (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" X 10" | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" X 10" (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" X 5" | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" X 5" (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5"X 13" | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5"X 13" (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishments / Levies - per instance | $100Above the U.S. middle 50% ($30 to $85.63 nationally) | per item | None |
Other Fees | |||
| Statement Copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 16, 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 The Farmers Bank operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $250.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 4 | $250.7M |
Lexington-Fayette, KY
1.6% of bank deposits, #18 of 36, up 0.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Central Bank & Trust Co. | 14.9% |
| JPMorgan Chase Bank, National Association | 12.8% |
| Fifth Third Bank, National Association | 11.4% |
| Traditional Bank, Inc. | 8.3% |
| PNC Bank, National Association | 7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Lexington-Fayette, KY, The Farmers Bank holds 1.6% of bank deposits, #18 of 36, with 4 offices.
202 offices of 48 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 36 institutions shown. $16.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.6% share, 4 offices, #18 of 36
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
33 offices of 13 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 4, 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.