22 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 20, 2026.
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 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) 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. | 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-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.
Comparison with U.S. 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)
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.
Service-charge income fell 35% from Q3 2025 to Q2 2026, to $46K.
$46K
Farmers Trust & Savings BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
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% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Farmers Trust & Savings Bank’s own schedules, with a source for each figure.
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 | $25 | per month | None |
| Monthly maintenance fee if the daily balance drops below any day of the calendar month | $2 | per month | None |
| Traditional Checking Monthly maintenance fee | $1.94 | per month | None |
| Account Closed Within 90 Days | $25 | Not stated | None |
| Escheat Fee | $40 | Not stated | None |
| Inactivity Fee | $2 | 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 | $4 | Not stated | None |
Overdraft & NSF | |||
| Overdraft/Nonsufficient Funds: Per Presentment Paid | $29 | per item | None |
ATM & Card | |||
| New or Replacement ATM Card | $10 | Not stated | None |
| New or Replacement Debit Card (ShazamChek or PhotoDebit) | $5 | Not stated | None |
| Debit Card Rush Order Fee | $75 | Not stated | None |
Wire Transfers | |||
| Outgoing wire (customer) | $20 | Not stated | None |
| Incoming Wire (customer) | $5 | Not stated | None |
| Foreign Wire | $40 | Not stated | None |
Check Services | |||
| Bank Money Order (customer) | $4 | Not stated | None |
| Bank Money Order (non-customer) | $6 | Not stated | None |
| Personal Money Order (customer) | $2 | Not stated | None |
| Personal Money Order (non-customer) | $4 | Not stated | None |
| Stop Payment Order (audience not stated, treated as personal) | $29 | Not stated | None |
| Counter Checks | No charge | Not stated | None |
| Check Cashing (customer) | No charge | Not stated | None |
| Check Cashing (non-customer) | $3 | Not stated | None |
| Image Copies (each) | $1 | per item | None |
Cash & Deposit | |||
| Coin Counting (customer) | No charge | Not stated | None |
| Return Deposit Items: Charged Back (per presentment) (audience not stated, treated as personal) | $5 | per item | None |
| Return Deposit Items: Redeposited (per item) (audience not stated, treated as personal) | $3 | per item | None |
| Return Deposit Items: Special Handling (per presentment) (audience not stated, treated as personal) | $2 | per item | None |
Account Services | |||
| Notary | $1 | 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) | $60 | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $50 | Not stated | None |
Gift & Prepaid Cards | |||
| Reload Fee (audience not stated, treated as personal) | $3 | Not stated | None |
| VISA Gift Card (audience not stated, treated as personal) | $2.50 | Not stated | None |
Other Fees | |||
| Duplicate Image Statement | $5 | Not stated | None |
| Microfilm Copy (plus Account Research) | $5 | Not stated | None |
| Photocopy (per copy) (audience not stated, treated as personal) | $0.25 | 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.
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