Compared with Iowa
8 of 22
compared fees are above the median.
12 below, 2 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
49th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Iowa median
of 22 compared; 12 below, 2 about the same
See the feesFee schedule read Oct 20, 2026
Call-report figures are for Farmers Trust & Savings 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 Iowa median | Published fees above the Iowa median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Farmers Trust & Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 20, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.0% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (49th 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 $46K in Q2 2026, 8.0% below the same quarter a year earlier ($50K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 22 compared published fees sit above the Iowa median; 12 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 Iowa medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $13.47, the middle of its prices
Overdraft (OD)
Wire Transfer (Domestic Out)
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.
Service-charge income fell 35% from Q3 2025 to Q2 2026, to $46K. Its share of revenue, 2.0%, is below the 2.1% median for banks with under $300M in assets.
$46K
Farmers Trust & Savings 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 $1.94 to $25; we compare the midpoint.
Farmers Trust & Savings Bank · $192M 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 Trust & Savings Bank(this institution) | Williamsburg, IA | $192M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BankPacific, Ltd | Hagatna, GU | $192M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bristol Morgan Bank | Oakfield, WI | $191M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Federal Savings Bank | Leavenworth, KS | $190M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens Savings Bank and Trust Company | Nashville, TN | $188M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens State Bank | Sheldon, IA | $195M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Bank | Topeka, KS | $189M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers State Bank | West Salem, OH | $188M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Federal Savings and Loan Association of Bath | Bath, ME | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings Bank of Champaign Urbana | Champaign, IL | $193M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings of Middletown | Middletown, NY | $188M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First State Bank | Socorro, NM | $188M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independence Bank | Independence, OH | $191M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Liberty Bank | Liberty, IL | $194M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Mount Vernon Bank and Trust Company | Mount Vernon, IA | $195M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northern Interstate Bank, N. A. | Norway, MI | $194M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Peoples Savings Bank | Wellsburg, IA | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Cincinnatus Savings & Loan Co. | Cincinnati, OH | $193M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Farmers State Bank | Quinton, OK | $194M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The First National Bank of Absecon | Absecon, NJ | $195M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First State Bank of Malta | Malta, MT | $190M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Peoples Savings Bank | Urbana, OH | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| THE SEILING STATE BANK | Seiling, OK | $195M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Walden Mutual Bank | Concord, NH | $193M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Western Nebraska Bank | Curtis, NE | $193M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wrentham Co-operative Bank | Wrentham, MA | $193M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $13.47, the middle of its three prices, against a peer median of $5 among 18 publishing peers.
Its three checking prices are $1.94, $2 and $25.
$13.47 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 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.
Call reports for Farmers Trust & Savings 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 | $46K | −$3K | −6.1% |
| Q1 2026 | $49K | −$1K | −2.0% |
| Q4 2025 | $50K | −$21K | −29.6% |
| Q3 2025 | $71K | +$21K | +42.0% |
| Q2 2025 | $50K | −$4K | −7.4% |
| Q1 2025 | $54K | −$5K | −8.5% |
| Q4 2024 | $59K | +$4K | +7.3% |
| Q3 2024 | $55K | −$1K | −1.8% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Farmers Trust & Savings Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Farmers Trust & Savings Bank by share.
Amounts from Farmers Trust & Savings Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour
per item
per item
per item
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly maintenance fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee if the daily balance drops below any day of the calendar month | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Traditional Checking Monthly maintenance fee | $1.94Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closed Within 90 Days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheat Fee | $40Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactivity Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research ($10 minimum) (audience not stated, treated as personal) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Statement | $4Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft/Nonsufficient Funds: Per Presentment Paid | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| New or Replacement ATM Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| New or Replacement Debit Card (ShazamChek or PhotoDebit) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Rush Order Fee | $75Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing wire (customer) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire (customer) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Foreign Wire | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Bank Money Order (customer) | $4Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Bank Money Order (non-customer) | $6Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Personal Money Order (customer) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Personal Money Order (non-customer) | $4Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Order (audience not stated, treated as personal) | $29Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | No chargeBelow the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing (customer) | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Cashing (non-customer) | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Image Copies (each) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Counting (customer) | No chargeInside the U.S. middle 50% ($0 to $2.50 nationally) | Not stated | None |
| Return Deposit Items: Charged Back (per presentment) (audience not stated, treated as personal) | $5Below the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
| Return Deposit Items: Redeposited (per item) (audience not stated, treated as personal) | $3Below the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
| Return Deposit Items: Special Handling (per presentment) (audience not stated, treated as personal) | $2Below the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Notary | $1Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Box Drilling (audience not stated, treated as personal) | $100Not compared: Box drilling or key fee | Not stated | None |
| Box Key Replacement (audience not stated, treated as personal) | $10Not compared: Box drilling or key fee | Not stated | None |
| Late Payment (after 30 days) (audience not stated, treated as personal) | $5Not compared: Monthly charge, not annual | per month | None |
| Garnishment/Levy (as permitted) | $60Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Reload Fee (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| VISA Gift Card (audience not stated, treated as personal) | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Image Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Microfilm Copy (plus Account Research) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy (per copy) (audience not stated, treated as personal) | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | 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
Oct 20, 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 Farmers Trust & Savings Bank operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $138.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $138.1M |
Largest competitors nearby
Local market: Iowa county, IA, where it holds the most deposits.
| 6 in its local market | Deposit share |
|---|---|
| Keystone Savings Bank | 19.8% |
| Grinnell State Bank | 19.5% |
| Chelsea Savings Bank | 8.1% |
| Hills Bank and Trust Company | 6.8% |
| Fairfax State Savings Bank | 5.9% |
This bank holds 34.6% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
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 1, 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.