Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, under $300M

Farmers Trust & Savings Bank

Williamsburg, IowaBankChicago Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Closed Within 90 Days$25Within the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=early_closure; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Account Closed Within 90 Days ................................................................................................... $25.00" · Source

Microfilm Copy (plus Account Research)$5

$20 below the national median

Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=account_research; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Microfilm Copy (plus Account Research) ...................................................................................... $5.00" · Source

monthly maintenance fee$25

$17 above the national median

per month · Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=monthly_maintenance; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="- monthly maintenance fee .................................................................................................... $25.00*" · Source

Overdraft & NSFVerified

Continuing Overdraft Fee$7Below the typical range ($10–$30 nationally)
$18 below the national median
Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=overdraft; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Continuing Overdraft Fee .....................................................................................................$7.00/day" · Source

ATM & CardVerified

New or Replacement Debit Card (ShazamChek or PhotoDebit)$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=card_replacement; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="New or Replacement Debit Card (ShazamChek or PhotoDebit) ..................................................... $5.00" · Source

Wire TransfersVerified

Incoming Wire (customer)$5Below the typical range ($10–$15 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=wire_domestic_incoming; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Incoming Wire (customer) ............................................................................................................... $5.00" · Source
Outgoing wire (customer)$20Within the typical range ($20–$25 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=wire_domestic_outgoing; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Outgoing wire (customer) .............................................................................................................. $20.00" · Source

Check ServicesVerified

Check Cashing (non-customer)$3Below the typical range ($5–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=check_cashing; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Check Cashing (non-customer) .............................................................................................. $3.00 per $100" · Source
Personal Money Order (customer)$2Within the typical range ($1.50–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=money_order; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Personal Money Order (customer) .................................................................................................. $2.00" · Source
Stop Payment Order$29Within the typical range ($20–$30 nationally)
$4 above the national median
Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=stop_payment; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Stop Payment Order ............................................................................................................................. $29.00" · Source

Account ServicesVerified

Garnishment/Levy (as permitted)$60Within the typical range ($30–$75 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=garnishment_levy; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Garnishment/Levy (as permitted) ........................................................................................................ $60.00" · Source
Notary$1Within the typical range ($0–$5 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=notary_fee; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Notary .................................................................................................................................................... $1.00" · Source

Lending FeesVerified

Late Payment (after 30 days)$5Below the typical range ($15–$28.25 nationally)
$20 below the national median
per month · Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=late_payment; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Late Payment (after 30 days) ...............................................................................................$5.00/month" · Source

Gift & Prepaid CardsVerified

VISA Gift Card$2.50Below the typical range ($3–$5.24 nationally)
$1.50 below the national median
Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=gift_card_purchase; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="VISA Gift Card ............................................................................................................................... $2.50" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closed Within 90 Days	$25Within the typical range ($10–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=early_closure; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Account Closed Within 90 Days ................................................................................................... $25.00"	Source
Microfilm Copy (plus Account Research)	$5Below the typical range ($15–$25 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=account_research; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Microfilm Copy (plus Account Research) ...................................................................................... $5.00"	Source
monthly maintenance fee	$25Above the typical range ($5–$17.50 nationally)	$17 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=monthly_maintenance; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="- monthly maintenance fee .................................................................................................... $25.00*"	Source
Overdraft & NSFVerified
Continuing Overdraft Fee	$7Below the typical range ($10–$30 nationally)	$18 below the national median	—	Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=overdraft; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Continuing Overdraft Fee .....................................................................................................$7.00/day"	Source
ATM & CardVerified
New or Replacement Debit Card (ShazamChek or PhotoDebit)	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=card_replacement; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="New or Replacement Debit Card (ShazamChek or PhotoDebit) ..................................................... $5.00"	Source
Wire TransfersVerified
Incoming Wire (customer)	$5Below the typical range ($10–$15 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=wire_domestic_incoming; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Incoming Wire (customer) ............................................................................................................... $5.00"	Source

Check ServicesVerified
Check Cashing (non-customer)	$3Below the typical range ($5–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=check_cashing; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Check Cashing (non-customer) .............................................................................................. $3.00 per $100"	Source

Account ServicesVerified
Garnishment/Levy (as permitted)	$60Within the typical range ($30–$75 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=garnishment_levy; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Garnishment/Levy (as permitted) ........................................................................................................ $60.00"	Source

Lending FeesVerified
Late Payment (after 30 days)	$5Below the typical range ($15–$28.25 nationally)	$20 below the national median	per month	Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=late_payment; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="Late Payment (after 30 days) ...............................................................................................$5.00/month"	Source
Gift & Prepaid CardsVerified
VISA Gift Card	$2.50Below the typical range ($3–$5.24 nationally)	$1.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #3035. canonical_hint=gift_card_purchase; text_hash=75bec89b6b34380d5f4295a956431174795e9af510ba2bc3b57a483922132cef; excerpt="VISA Gift Card ............................................................................................................................... $2.50"	Source

Fee change alerts

Get an email when Farmers Trust & Savings Bank changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Farmers Trust & Savings Bank? Benchmark it against peers, free

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

Overdraft fee: $7

72% below the national median overdraft fee

Total fees: 14 — leaner than most institutions

Verified fees

Under review

Assets

$191.6M

Work at Farmers Trust & Savings Bank? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. free, delivered in 48 hours.

Get your free report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$191.6M

Total deposits

$138.1M

Service charge income

$46K

Fee income ratio

2.0%

Return on assets

2.84%

Branches

Service charge income by quarter

Q2 2026$46K

Q1 2026$49K

Q4 2025$50K

Q3 2025$71K

Financial profile · Pro

Performance from regulator filings

Outgoing wire (customer)

Personal Money Order (customer)

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 57 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 6,925 verified fees from 1,557 institutions

See pricing