Compared with North Dakota
2 of 11
compared fees are above the median.
7 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
18th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the North Dakota median
of 11 compared; 7 below, 2 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Farmers & Merchants Bank of North Dakota 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 North Dakota median | Published fees above the North Dakota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Farmers & Merchants Bank of North Dakota's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.9% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (18th 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 $9K in Q2 2026, 10.0% below the same quarter a year earlier ($10K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 11 compared published fees sit above the North Dakota median; 7 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 North Dakota medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 31% from Q3 2025 to Q2 2026, to $9K. Its share of revenue, 0.9%, is below the 2.1% median for banks with under $300M in assets.
$9K
Farmers & Merchants Bank of North DakotaMedian
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.
Farmers & Merchants Bank of North Dakota · $120M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Farmers & Merchants Bank of North Dakota(this institution) | Tolna, ND | $120M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of New Madrid | New Madrid, MO | $117M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank of Rogersville | Rogersville, MO | $125M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Bank | Bristow, OK | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Savings Bank | Bethel, OH | $120M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Connect Bank | Star City, AR | $124M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Countryside Bank | Unadilla, NE | $119M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First State Bank of Bigfork | Bigfork, MN | $117M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Headwaters State Bank | Land O' Lakes, WI | $122M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Henderson Federal Savings Bank | Henderson, TX | $118M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Logan County Bank | Scranton, AR | $121M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metz Banking Company | Nevada, MO | $117M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mid-Central National Bank | Wadena, MN | $117M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples Bank of Greensboro | Greensboro, AL | $116M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Portage Bank | Bellevue, WA | $116M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Progressive National Bank | Mansfield, LA | $123M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Richland County Bank | Richland Center, WI | $114M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rushford State Bank (Incorporated) | Rushford, MN | $115M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Commercial Bank Of Ozark | Ozark, AL | $115M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| The Farmers State Bank of Brush | Brush, CO | $117M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Granville National Bank | Granville, IL | $118M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Hamilton Bank | Hamilton, MO | $120M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Lytle State Bank of Lytle, Texas | Lytle, TX | $115M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Twin Cedars Bank | Bussey, IA | $118M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Bank & Trust Co. | Marshalltown, IA | $120M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Woodsfield Savings Bank | Woodsfield, OH | $123M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.75 among 10 publishing peers.
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 & Merchants Bank of North Dakota does not publish a monthly maintenance fee, so it is not on this chart.
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 & Merchants Bank of North Dakota (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 | $9K | −$3K | −25.0% |
| Q1 2026 | $12K | $0 | 0.0% |
| Q4 2025 | $12K | −$1K | −7.7% |
| Q3 2025 | $13K | +$3K | +30.0% |
| Q2 2025 | $10K | $0 | 0.0% |
| Q1 2025 | $10K | +$3K | +42.9% |
| Q4 2024 | $7K | −$6K | −46.2% |
| Q3 2024 | $13K | $0 | 0.0% |
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 & Merchants Bank of North Dakota left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Farmers & Merchants Bank of North Dakota by share.
Amounts from Farmers & Merchants Bank of North Dakota’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per page
per page
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Balancing Assistance | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Fee | $20Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item Fee | $20Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Fee- Continuous OD Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Replacement Fee For Lost Card- ATM/Debit Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Out | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Foreign Wire Out | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Internet Bill Pay Service Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash advance | 1%of the advance | Not stated | None |
Account Services | |||
| Garnishment | $10Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levies | $10Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Incoming Fax Transmittals | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Outgoing Fax Transmittals | $0.50Not compared: Charged per page; comparison unavailable | per page | None |
| Photocopies | $0.10Not compared: Charged per page; comparison unavailable | per page | None |
Nov 1, 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 & Merchants Bank of North Dakota operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $106.9M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $106.9M |
Largest competitors nearby
Local market: Nelson and Griggs counties, ND, where it holds the most deposits.
| 4 in its local market | Deposit share |
|---|---|
| Bank Forward | 24.7% |
| First United Bank | 20.8% |
| State Bank of Lakota | 14.7% |
| Bravera Bank | 12.4% |
This bank holds 27.4% 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.