Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, under $300M

Farmers State Bank, Allen, Oklahoma

Allen, OklahomaBankKansas City Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant accounts charged$10Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #693. canonical_hint=dormant_account; text_hash=41a299a1cb359946dff3f36a20b28063318bf3ac181bed33e57f697d0afb8d13; excerpt="Dormant accounts charged $10.00 per month. An account is" · Source

Maintenance fee of$5

$3 below the national median

per day · Knox deterministic extraction from Rosetta artifact #693. canonical_hint=monthly_maintenance; text_hash=41a299a1cb359946dff3f36a20b28063318bf3ac181bed33e57f697d0afb8d13; excerpt="Maintenance fee of $5.00 if daily balance falls below $1,500.00" · Source

Overdraft & NSFVerified

Insufficient Funds on Bill Pay items charged$25Within the typical range ($15–$32 nationally)
$3 below the national median
per item · Knox deterministic extraction from Rosetta artifact #693. canonical_hint=nsf; text_hash=41a299a1cb359946dff3f36a20b28063318bf3ac181bed33e57f697d0afb8d13; excerpt="Insufficient Funds on Bill Pay items charged $25.00 per item" · Source
Overdraft Charge$1Below the typical range ($10–$30 nationally)
$24 below the national median
Knox deterministic extraction from Rosetta artifact #693. canonical_hint=overdraft; text_hash=41a299a1cb359946dff3f36a20b28063318bf3ac181bed33e57f697d0afb8d13; excerpt="Overdraft Charge $1.00 per business day" · Source

Check ServicesVerified

Stop payment fee$15Below the typical range ($20–$30 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #693. canonical_hint=stop_payment; text_hash=41a299a1cb359946dff3f36a20b28063318bf3ac181bed33e57f697d0afb8d13; excerpt="Stop payment fee $15.00 (per request)" · Source

Digital & ElectronicVerified

Bill Pay$3.95Within the typical range ($0–$12.45 nationally)
$1.05 below the national median
per month · Knox deterministic extraction from Rosetta artifact #693. canonical_hint=bill_pay; text_hash=41a299a1cb359946dff3f36a20b28063318bf3ac181bed33e57f697d0afb8d13; excerpt="Bill Pay $3.95 per month up to 10 bill pays" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant accounts charged	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #693. canonical_hint=dormant_account; text_hash=41a299a1cb359946dff3f36a20b28063318bf3ac181bed33e57f697d0afb8d13; excerpt="Dormant accounts charged $10.00 per month. An account is"	Source
Maintenance fee of	$5Within the typical range ($5–$17.50 nationally)	$3 below the national median	per day	Knox deterministic extraction from Rosetta artifact #693. canonical_hint=monthly_maintenance; text_hash=41a299a1cb359946dff3f36a20b28063318bf3ac181bed33e57f697d0afb8d13; excerpt="Maintenance fee of $5.00 if daily balance falls below $1,500.00"	Source
Overdraft & NSFVerified
Insufficient Funds on Bill Pay items charged	$25Within the typical range ($15–$32 nationally)	$3 below the national median	per item	Knox deterministic extraction from Rosetta artifact #693. canonical_hint=nsf; text_hash=41a299a1cb359946dff3f36a20b28063318bf3ac181bed33e57f697d0afb8d13; excerpt="Insufficient Funds on Bill Pay items charged $25.00 per item"	Source
Overdraft Charge
Check ServicesVerified
Stop payment fee	$15Below the typical range ($20–$30 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #693. canonical_hint=stop_payment; text_hash=41a299a1cb359946dff3f36a20b28063318bf3ac181bed33e57f697d0afb8d13; excerpt="Stop payment fee $15.00 (per request)"	Source
Digital & ElectronicVerified
Bill Pay	$3.95Within the typical range ($0–$12.45 nationally)	$1.05 below the national median	per month	Knox deterministic extraction from Rosetta artifact #693. canonical_hint=bill_pay; text_hash=41a299a1cb359946dff3f36a20b28063318bf3ac181bed33e57f697d0afb8d13; excerpt="Bill Pay $3.95 per month up to 10 bill pays"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

Overdraft fee: $1

96% below the national median overdraft fee

Total fees: 6 — leaner than most institutions

Verified fees

Under review

Assets

$57.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$57.2M

Total deposits

$48.6M

Service charge income

$47K

Fee income ratio

6.2%

Return on assets

2.31%

Branches

Service charge income by quarter

Q2 2026$47K

Q1 2026$47K

Q4 2025$50K

Q3 2025$56K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 6,925 verified fees from 1,557 institutions

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