Fees from its schedule are under review and appear here once review is done.
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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
24th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 15, 2026
Call-report figures are for Farmers and Merchants State Bank of Springfield 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 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 and Merchants State Bank of Springfield's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.1% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (24th 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 $16K in Q2 2026, about level with the same quarter a year earlier ($16K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Farmers and Merchants State Bank of Springfield (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 | $16K | −$2K | −11.1% |
| Q1 2026 | $18K | −$3K | −14.3% |
| Q4 2025 | $21K | +$5K | +31.3% |
| Q3 2025 | $16K | $0 | 0.0% |
| Q2 2025 | $16K | $0 | 0.0% |
| Q1 2025 | $16K | +$3K | +23.1% |
| Q4 2024 | $13K | −$1K | −7.1% |
| Q3 2024 | $14K | +$3K | +27.3% |
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 and Merchants State Bank of Springfield left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Farmers and Merchants State Bank of Springfield by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Flat service fee (daily balance falls below $1,000) (audience not stated, treated as personal) | $7 | per month | None |
| Flat service fee (daily balance falls below $10,000) (audience not stated, treated as personal) | $10 | per month | None |
| Flat service fee (daily balance falls below $2,500) (audience not stated, treated as personal) | $10 | per month | None |
| Flat service fee (daily balance falls below $200) (audience not stated, treated as personal) | $1 | per month | None |
ATM & CardUnder review | |||
| Replace Debit Card (audience not stated, treated as personal) | $15 | per item | None |
Other feesUnder review | |||
| ATM or a POS unless the unauthorized withdrawal was due to the loss or theft of the card, in which case you are liable (audience not stated, treated as personal) | $50 | Not stated | None |
| Debit Card Annual Fee (audience not stated, treated as personal) | $12 | per year | None |
| Flat service fee (daily balance falls below $1,000) (audience not stated, treated as personal) | $7 | per month | None |
| Flat service fee (daily balance falls below $10,000) (audience not stated, treated as personal) | $10 | per month | None |
| Flat service fee (daily balance falls below $2,500) (audience not stated, treated as personal) | $10 | per month | None |
| Flat service fee (daily balance falls below $200) (audience not stated, treated as personal) | $1 | per month | None |
| If your average monthly collected balance falls below , your monthly flat service fee will be (audience not stated, treated as personal) | $4 | per month | None |
| International POS Service Fee (audience not stated, treated as personal) | $1 | per item | 1.0% of transaction amount for transactions outside the United States |
| Replace Debit Card (audience not stated, treated as personal) | $15 | per item | None |
| Replace Debit Card (audience not stated, treated as personal) | $15 | per item | Per card |
| We will charge you (audience not stated, treated as personal) | $20 | Not stated | 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 15, 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 and Merchants State Bank of Springfield operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $120.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $120.7M |
Largest competitors nearby
Local market: Brown and Redwood counties, MN, where it holds the most deposits.
| 16 in its local market | Deposit share |
|---|---|
| Minnwest Bank | 17% |
| Citizens Bank Minnesota | 15.1% |
| Alliance Bank | 9.2% |
| The Wanda State Bank | 9.1% |
| Frandsen Bank & Trust | 6.4% |
This bank holds 6.7% 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 4, 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
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows