Farmers Trust & Savings Bank

Headquarters: Earling, Iowa
Charter: Bank
Assets: $148.1M
Fed district: Chicago
Regulator: FDIC
Holding company: J Carl H Bancorp

Explore Hamilton View published fees

Compared with Iowa

3 of 4

compared fees are above the median.

1 below, 0 about the same.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
48th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Iowa median
of 4 compared; 1 below, 0 about the same
See the fees
Fee schedule read Oct 11, 2026

How these figures are measured

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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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 11, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Farmers Trust & Savings Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service charges were 2.0% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (48th 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 $30K in Q2 2026, about level with the same quarter a year earlier ($30K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
3 of 4 compared published fees sit above the Iowa median; 1 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.

Fees against the market

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

Monthly Maintenance
Compared at $8.50, the middle of its prices
Farmers Trust & Savings Bank: $2 to $10
Farmers Trust & Savings Bank: $2 to $10
Iowa median: $5.8759 publishChicago district median: $6231 publishU.S. median: $71,902 publish
Paper Statement
Compared at $3.50, the middle of its prices
Farmers Trust & Savings Bank: $3 to $4
Farmers Trust & Savings Bank: $3 to $4
Iowa median: $340 publishChicago district median: $3179 publishU.S. median: $31,230 publish
Minimum Balance
Premier Money Market Account
Farmers Trust & Savings Bank: $10
Farmers Trust & Savings Bank: $10
Iowa median: $517 publishChicago district median: $680 publishU.S. median: $6.50537 publish

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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.

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).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 fell 12% from Q3 2025 to Q2 2026, to $30K. Its share of revenue, 2.0%, is below the 2.1% median for banks with under $300M in assets.

Service-charge income, Q2 2026

$30K

$34KQ3 2025

$33KQ4 2025

$31KQ1 2026

$30KQ2 2026

Against the median (IA for fees)

Share of revenue2.0% / 2.1%
Monthly maintenance$8.50* / $5.87

Farmers Trust & Savings BankMedian

Sources and open questions

FDIC 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 $2 to $10; we compare the midpoint.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Do waivers and balance requirements change what most customers actually pay?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

Farmers Trust & Savings Bank · $148M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$145M to $152M in assets
Headquartered in 15 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
Farmers Trust & Savings Bank(this institution)	Earling, IA	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
1st Federal Savings Bank of SC, Inc.	Walterboro, SC	$152M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Pensacola	Pensacola, FL	$147M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Salem	Salem, MO	$147M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank Plus	Estherville, IA	$145M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Carmine State Bank	Carmine, TX	$149M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens Savings Bank	Spillville, IA	$151M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers State Bank	Algona, IA	$150M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First Bank and Trust of Memphis	Memphis, TX	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Grand Missouri Bank	Bolivar, MO	$151M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
GSL Savings Bank	Guttenberg, NJ	$151M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Hyden Citizens Bank	Hyden, KY	$149M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Jonesburg State Bank	Jonesburg, MO	$146M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Miami Savings Bank	Miamitown, OH	$148M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Millbury National Bank	Millbury, MA	$147M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Peoples Bank of Wyaconda, Missouri	Kahoka, MO	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Schuyler Savings Bank	Kearny, NJ	$151M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Security Bank of Southwest Missouri	Cassville, MO	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sweet Water State Bank	Sweet Water, AL	$150M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
The First State Bank of Rosemount	Rosemount, MN	$146M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Peoples Bank	Taylorsville, KY	$145M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Sacramento Deposit Bank	Sacramento, KY	$150M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Twin City Bank	Longview, WA	$151M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union Federal Savings and Loan Association	Kewanee, IL	$146M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Vermilion Bank & Trust Company	Kaplan, LA	$145M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
WSB Municipal Bank	Watertown, NY	$152M	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 · 8 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (42%) above the median of similar-sized banks.

Compared at $8.50, the middle of its four prices, against a peer median of $6 among 8 publishing peers.

Its four checking prices are $2, $8, $9 and $10.

$8.50 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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Farmers Trust & Savings B…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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.

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 Farmers Trust & Savings Bank (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: $30K
vs prior quarter: −$1K−3.2%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: −$5K−14.3%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Farmers Trust & Savings Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$30K	−$1K	−3.2%
Q1 2026	$31K	−$2K	−6.1%
Q4 2025	$33K	−$1K	−2.9%
Q3 2025	$34K	+$4K	+13.3%
Q2 2025	$30K	+$2K	+7.1%
Q1 2025	$28K	−$5K	−15.2%
Q4 2024	$33K	−$2K	−5.7%
Q3 2024	$35K	+$1K	+2.9%

Service-charge share against its size cohort

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.

Farmers Trust & Savings Bank: 2.0%
Percentile: 48th
25th percentile: 1.1%
Median: 2.1%
75th percentile: 3.4%

Farmers Trust & Savings Bank 2.0%Median 2.1%Middle half 1.1% to 3.4%Peers at each share13 above 15%, counted in the last bar

Find a peer (1,681)

The 15 closest to Farmers Trust & Savings Bank by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from Farmers Trust & Savings Bank’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Monthly Maintenance$8
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Monthly service charge$9
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Monthly service fee$2
Below the U.S. middle 50% ($5 to $10 nationally)
per month
Service charge + per debit item fee$10
Inside the U.S. middle 50% ($5 to $10 nationally)
Service fee (balance falls below $10,000)$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Service fee (balance falls below $500)$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Monthly service charge for paper statements$4
Inside the U.S. middle 50% ($2 to $4.99 nationally)
per month
Paper statements$3
Inside the U.S. middle 50% ($2 to $4.99 nationally)
per month
Excess Withdrawals$2
Below the U.S. middle 50% ($3 to $10 nationally)
Excess Withdrawals$1
Below the U.S. middle 50% ($3 to $10 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$8Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Monthly service charge	$9Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Monthly service fee	$2Below the U.S. middle 50% ($5 to $10 nationally)	per month	None
Service charge + per debit item fee	$10Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Service fee (balance falls below $10,000)	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Service fee (balance falls below $500)	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Monthly service charge for paper statements	$4Inside the U.S. middle 50% ($2 to $4.99 nationally)	per month	None
Paper statements	$3Inside the U.S. middle 50% ($2 to $4.99 nationally)	per month	None
Excess Withdrawals	$2Below the U.S. middle 50% ($3 to $10 nationally)	Not stated	None
Excess Withdrawals	$1Below the U.S. middle 50% ($3 to $10 nationally)	per item	None

Correct a fee source

Oct 11, 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 Farmers Trust & Savings Bank operates, and what regulators and customers have on file.

Branch footprint

3 offices in 1 state, $134.5M in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

Outside a metro area	2	$71.2M
	1	$63.3M

Omaha, NE-IA

0.1% of bank deposits, #55 of 77, unchanged over five years.

Largest competitors here	Deposit share
First National Bank of Omaha	35.3%
Wells Fargo Bank, National Association	7.8%
Associated Bank, National Association	7.7%
U.S. Bank National Association	7.3%
Pinnacle Bank	6%

Fees in Woodbine →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In Omaha, NE-IA, Farmers Trust & Savings Bank holds 0.1% of bank deposits, #55 of 77, with 1 office.

Compare fees with the 55 Omaha, NE-IA banks and credit unions in its home-metro peer set →

Offices in the metro

409 offices of 109 institutions shown.

Farmers Trust & Savings BankOther 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: Omaha, NE-IA metro (FDIC metro code 36540), 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: 8 offices have no coordinates on file

Share of bank deposits

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

1First National Bank of Omaha35.3%
2Wells Fargo Bank, National Association7.8%
3Associated Bank, National Association7.7%
4U.S. Bank National Association7.3%
5Pinnacle Bank6.0%
6Security National Bank of Omaha3.0%
7First Interstate Bank2.4%
8Access Bank2.1%
55Farmers Trust & Savings Bank0.1%

9 of 77 institutions shown. $42.7B 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: Omaha, NE-IA metro (FDIC metro code 36540)
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: 0.1% share, 1 office, #55 of 77

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: Omaha, NE-IA 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

100 offices of 34 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 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

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