The Farmers State Bank of Westmoreland

Headquarters: Westmoreland, Kansas
Charter: Bank
Assets: $257.7M
Fed district: Kansas City
Regulator: FDIC

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 16, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 16, 2026

How these figures are measured

Call-report figures are for The Farmers State Bank of Westmoreland 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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	The Farmers State Bank of Westmoreland'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

Details

Source: FFIEC call report (bulk data)
Entity: The Farmers State Bank of Westmoreland (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $44K in Q2 2026, 19% above the same quarter a year earlier ($37K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
The Farmers State Bank of Westmoreland: $27
The Farmers State Bank of Westmoreland: $27
U.S. median: no median
NSF / Returned Item
The Farmers State Bank of Westmoreland: $27
The Farmers State Bank of Westmoreland: $27
U.S. median: no median
Non-Network ATM
The Farmers State Bank of Westmoreland: $2
The Farmers State Bank of Westmoreland: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Kansas: Banks and credit unions headquartered in Kansas that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $44K.

Service-charge income, Q2 2026

$44K

$44KQ3 2025

$43KQ4 2025

$42KQ1 2026

$44KQ2 2026

Against the median

The Farmers State Bank of WestmorelandMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

The Farmers State Bank of Westmoreland · $258M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Banks only
$249M to $266M in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
The Farmers State Bank of Westmoreland(this institution)	Westmoreland, KS	$258M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	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
Alliant Bank	Madison, MO	$256M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Brookhaven	Brookhaven, MS	$262M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Easton	North Easton, MA	$249M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Hindman	Hindman, KY	$260M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of Perry County	Lobelville, TN	$253M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cendera Bank	Bells, TX	$258M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	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
Commercial State Bank	Wausa, NE	$264M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	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 National Bank of Burleson	Burleson, TX	$251M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank USA	Boutte, LA	$249M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heartland Bank	Somers, IA	$256M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hometown Bank	Kent, OH	$255M	Monthly maintenance not published	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
Lee Bank and Trust Company	Pennington Gap, VA	$257M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Quoin Financial Bank	Miller, SD	$251M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Raritan State Bank	Raritan, IL	$254M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Security Bank	New Auburn, WI	$254M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Security National Bank of South Dakota	Dakota Dunes, SD	$251M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Peoples Bank of Georgia	Talbotton, GA	$252M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wayne Bank and Trust Co.	Richmond, IN	$255M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Western National Bank	Chester, NE	$257M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wyoming Community Bank	Riverton, WY	$262M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
YNB	Yukon, OK	$261M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

The Farmers State Bank of Westmoreland does not publish a monthly maintenance fee in the index.

The peer median is $5.98 among 16 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

The Farmers State Bank of Westmoreland does not publish a monthly maintenance fee, so it is not on this chart.

The Farmers State Bank of…Peer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for The Farmers State Bank of Westmoreland (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $44K
vs prior quarter: +$2K+4.8%; from Q1 2026
vs a year earlier: +$7K+18.9%; from Q2 2025
vs start of range: +$10K+29.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: The Farmers State Bank of Westmoreland (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$44K	+$2K	+4.8%
Q1 2026	$42K	−$1K	−2.3%
Q4 2025	$43K	−$1K	−2.3%
Q3 2025	$44K	+$7K	+18.9%
Q2 2025	$37K	+$6K	+19.4%
Q1 2025	$31K	−$2K	−6.1%
Q4 2024	$33K	−$1K	−2.9%
Q3 2024	$34K	−$1K	−2.9%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The Farmers State Bank of Westmoreland’s own schedules, with a source for each figure.

Account Maintenance

Effect of closing an account Minimum balance fee$5
per month
Inactivity Fee - per month (Accts ≤ $200 with no activity for 3 years)$5
per month
Account Balancing Assistance Fee - per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee - per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Statement Fee - per month$10
per month

Overdraft & NSF

Overdraft Fee - per item$27
per item
Return Item Fee - per attempt$27

ATM & Card

ATM Transaction Fee (Foreign ATM) (outside of Allpoint network)$2
Reissue Damaged ATM/Debit Card (same #)$15
Reissue Lost ATM/Debit Card (new #)$30

Wire Transfers

Wire Transfer Fee - Outgoing$25
Wire Transfer Fee - IncomingNo charge

Check Services

Bank Money Order$5
Personal Money Order (up to $1,000)$2
Stop Payment Fee$27
Temporary Check Printing - per item (minimum: increments of four)$0.50
per item
Non-customer Foreign Check Cashing1%($5 minimum)
Non-customer Foreign Check Cashing (audience not stated, treated as personal)1%($5 minimum)

Account Services

10 X 10 Safe Deposit Box - per year$60
per year
3 X 10 Safe Deposit Box - per year$35
per year
5 X 10 Safe Deposit Box - per year$40
per year
5 X 5 Safe Deposit Box - per year$30
per year
8 X 10 Safe Deposit Box - per year$60
per year
Safe Deposit Box Break Open Fee$200
Safe Deposit Box Key Replacement$20
Not compared: Box drilling or key fee
Garnishment Fee$15

Gift & Prepaid Cards

Gift Card Fee$5

Other Fees

Email Statement Reprint - per statement$5
Incoming Fax - unlimited pages$2
Outgoing Fax - first five pages$3
Outgoing Fax - per page after fifth page$0.50
per item
Photocopies - per page$0.10
per item

Fee	Amount	Basis	Note
Account Maintenance
Effect of closing an account Minimum balance fee	$5	per month	None
Inactivity Fee - per month (Accts ≤ $200 with no activity for 3 years)	$5	per month	None
Account Balancing Assistance Fee - per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee - per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Statement Fee - per month	$10	per month	None
Overdraft & NSF
Overdraft Fee - per item	$27	per item	None
Return Item Fee - per attempt	$27	Not stated	None
ATM & Card
ATM Transaction Fee (Foreign ATM) (outside of Allpoint network)	$2	Not stated	None
Reissue Damaged ATM/Debit Card (same #)	$15	Not stated	None
Reissue Lost ATM/Debit Card (new #)	$30	Not stated	None
Wire Transfers
Wire Transfer Fee - Outgoing	$25	Not stated	None
Wire Transfer Fee - Incoming	No charge	Not stated	None
Check Services
Bank Money Order	$5	Not stated	None
Personal Money Order (up to $1,000)	$2	Not stated	None
Stop Payment Fee	$27	Not stated	None
Temporary Check Printing - per item (minimum: increments of four)	$0.50	per item	None
Non-customer Foreign Check Cashing	1%($5 minimum)	Not stated	None
Non-customer Foreign Check Cashing (audience not stated, treated as personal)	1%($5 minimum)	Not stated	None
Account Services
10 X 10 Safe Deposit Box - per year	$60	per year	None
3 X 10 Safe Deposit Box - per year	$35	per year	None
5 X 10 Safe Deposit Box - per year	$40	per year	None
5 X 5 Safe Deposit Box - per year	$30	per year	None
8 X 10 Safe Deposit Box - per year	$60	per year	None
Safe Deposit Box Break Open Fee	$200	Not stated	None
Safe Deposit Box Key Replacement	$20Not compared: Box drilling or key fee	Not stated	None
Garnishment Fee	$15	Not stated	None
Gift & Prepaid Cards
Gift Card Fee	$5	Not stated	None
Other Fees
Email Statement Reprint - per statement	$5	Not stated	None
Incoming Fax - unlimited pages	$2	Not stated	None
Outgoing Fax - first five pages	$3	Not stated	None
Outgoing Fax - per page after fifth page	$0.50	per item	None
Photocopies - per page	$0.10	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

Account Maintenance

Inactivity Fee - per month (Accts ≤ $200 with no activity for 3 years)$5
per month
Account Balancing Assistance Fee - per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee - per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Statement Fee - per month$10
per month

Overdraft & NSF

Overdraft Fee - per item$27
per item
Return Item Fee - per attempt$27

ATM & Card

ATM Transaction Fee (Foreign ATM) (outside of Allpoint network)$2
Reissue Damaged ATM/Debit Card (same #)$15
Reissue Lost ATM/Debit Card (new #)$30

Wire Transfers

Wire Transfer Fee - Outgoing$25
Wire Transfer Fee - IncomingNo charge

Check Services

Bank Money Order$5
Personal Money Order (up to $1,000)$2
Stop Payment Fee$27
Temporary Check Printing - per item (minimum: increments of four)$0.50
per item
Non-customer Foreign Check Cashing1%($5 minimum)

Cash & Deposit

Commercial Account Returned Deposit Item Fee$5

Account Services

10 X 10 Safe Deposit Box - per year$60
per year
3 X 10 Safe Deposit Box - per year$35
per year
5 X 10 Safe Deposit Box - per year$40
per year
5 X 5 Safe Deposit Box - per year$30
per year
8 X 10 Safe Deposit Box - per year$60
per year
Safe Deposit Box Break Open Fee$200
Safe Deposit Box Key Replacement$20
Not compared: Box drilling or key fee
Garnishment Fee$15

Gift & Prepaid Cards

Gift Card Fee$5

Other Fees

Email Statement Reprint - per statement$5
Incoming Fax - unlimited pages$2
Outgoing Fax - first five pages$3
Outgoing Fax - per page after fifth page$0.50
per item
Photocopies - per page$0.10
per item

Fee	Amount	Basis	Note
Account Maintenance
Inactivity Fee - per month (Accts ≤ $200 with no activity for 3 years)	$5	per month	None
Account Balancing Assistance Fee - per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee - per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Statement Fee - per month	$10	per month	None
Overdraft & NSF
Overdraft Fee - per item	$27	per item	None
Return Item Fee - per attempt	$27	Not stated	None
ATM & Card
ATM Transaction Fee (Foreign ATM) (outside of Allpoint network)	$2	Not stated	None
Reissue Damaged ATM/Debit Card (same #)	$15	Not stated	None
Reissue Lost ATM/Debit Card (new #)	$30	Not stated	None
Wire Transfers
Wire Transfer Fee - Outgoing	$25	Not stated	None
Wire Transfer Fee - Incoming	No charge	Not stated	None
Check Services
Bank Money Order	$5	Not stated	None
Personal Money Order (up to $1,000)	$2	Not stated	None
Stop Payment Fee	$27	Not stated	None
Temporary Check Printing - per item (minimum: increments of four)	$0.50	per item	None
Non-customer Foreign Check Cashing	1%($5 minimum)	Not stated	None
Cash & Deposit
Commercial Account Returned Deposit Item Fee	$5	Not stated	None
Account Services
10 X 10 Safe Deposit Box - per year	$60	per year	None
3 X 10 Safe Deposit Box - per year	$35	per year	None
5 X 10 Safe Deposit Box - per year	$40	per year	None
5 X 5 Safe Deposit Box - per year	$30	per year	None
8 X 10 Safe Deposit Box - per year	$60	per year	None
Safe Deposit Box Break Open Fee	$200	Not stated	None
Safe Deposit Box Key Replacement	$20Not compared: Box drilling or key fee	Not stated	None
Garnishment Fee	$15	Not stated	None
Gift & Prepaid Cards
Gift Card Fee	$5	Not stated	None
Other Fees
Email Statement Reprint - per statement	$5	Not stated	None
Incoming Fax - unlimited pages	$2	Not stated	None
Outgoing Fax - first five pages	$3	Not stated	None
Outgoing Fax - per page after fifth page	$0.50	per item	None
Photocopies - per page	$0.10	per item	None

Correct a fee source

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.

Branches and public record

Where The Farmers State Bank of Westmoreland operates, and what regulators and customers have on file.

Market position

In Manhattan, KS, The Farmers State Bank of Westmoreland holds 5% of bank deposits, #5 of 22, with 3 offices.

Compare fees with the 15 Manhattan, KS banks and credit unions in its home-metro peer set →

Offices in the metro

59 offices of 26 institutions shown.

The Farmers State Bank of WestmorelandOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Manhattan, KS metro (FDIC metro code 31740), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 1 office has no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1KS StateBank29.0%
2Central National Bank10.1%
3Bank of the Flint Hills9.0%
4Community First National Bank7.2%
5The Farmers State Bank of Westmoreland5.0%
6Kaw Valley State Bank and Trust Company4.9%
7Commerce Bank4.9%
8Capitol Federal Savings Bank4.8%

8 of 22 institutions shown. $4.5B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Manhattan, KS metro (FDIC metro code 31740)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 5% share, 3 offices, #5 of 22

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Manhattan, KS metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

7 offices of 4 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.

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