Farmers Bank & Trust Company

Headquarters: Magnolia, Arkansas
Charter: Bank
Assets: $3.2B
Fed district: St. Louis
Regulator: Federal Reserve
Holding company: Magnolia Banking Corp.

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 21, 2026.

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
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 21, 2026

How these figures are measured

Call-report figures are for Farmers Bank & Trust Company 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) 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 Bank & Trust Company's published fee schedule; Bank Fee Index medians	Current schedule	Oct 21, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Farmers Bank & Trust Company (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-charge income was $2.4M in Q2 2026, 11% above the same quarter a year earlier ($2.1M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

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

Monthly Maintenance
Compared at $8, the middle of its prices
Farmers Bank & Trust Company: $6 to $10
Farmers Bank & Trust Company: $6 to $10
U.S. median: no median
Overdraft (OD)
Farmers Bank & Trust Company: $32
Farmers Bank & Trust Company: $32
U.S. median: no median
NSF / Returned Item
Farmers Bank & Trust Company: $32
Farmers Bank & Trust Company: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Arkansas, the St. Louis 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).
Arkansas: Banks and credit unions headquartered in Arkansas that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 rose 4.2% from Q3 2025 to Q2 2026, to $2.4M.

Service-charge income, Q2 2026

$2.4M

$2.3MQ3 2025

$2.3MQ4 2025

$2.2MQ1 2026

$2.4MQ2 2026

Against the median

Farmers Bank & Trust CompanyMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Farmers Bank & Trust Company · $3.2B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$3B to $3.3B in assets
Headquartered in 18 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 Bank & Trust Company(this institution)	Magnolia, AR	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Academy Bank, National Association	Kansas City, MO	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
BankFirst Financial Services	Columbus, MS	$3.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BCB Community Bank	Bayonne, NJ	$3.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
CB&S Bank, Inc.	Russellville, AL	$3.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Centreville Bank	West Warwick, RI	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Exchange Bank	Santa Rosa, CA	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Fidelity Bank, National Association	Wichita, KS	$3.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Citizens Community Bank	Mansfield, PA	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Western Trust Bank	Denver, CO	$3.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lawrence Bank	Nashville, TN	$3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lone Star National Bank	Pharr, TX	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mascoma Bank	Lebanon, NH	$3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Midwest BankCentre	Lemay, MO	$3.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Monet Bank	Plano, TX	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North American Savings Bank, F.S.B.	Grandview, MO	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Northwest Bank	Spencer, IA	$3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Oakstar Bank	Springfield, MO	$3.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Penn Community Bank	Doylestown, PA	$3.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
STAR Financial Bank	Fort Wayne, IN	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Stearns Bank National Association	Saint Cloud, MN	$3.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
U. S. Century Bank	Doral, FL	$3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
UniBank for Savings	Whitinsville, MA	$3.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union Savings Bank	Danbury, CT	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Unity Bank	Clinton, NJ	$3.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
WestStar Bank	El Paso, TX	$3.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized banks: within 1% of their median.

Compared at $8, the middle of its two prices, against a peer median of $8 among 15 publishing peers.

Its two checking prices are $6 and $10.

$8 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 Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

Farmers Bank & Trust Comp…: 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 Oct 29, 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 Bank & Trust Company (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: $2.4M
vs prior quarter: +$164K+7.5%; from Q1 2026
vs a year earlier: +$234K+11.0%; from Q2 2025
vs start of range: +$231K+10.9%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Farmers Bank & Trust Company (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	$2.4M	+$164K	+7.5%
Q1 2026	$2.2M	−$94K	−4.1%
Q4 2025	$2.3M	+$26K	+1.1%
Q3 2025	$2.3M	+$138K	+6.5%
Q2 2025	$2.1M	+$64K	+3.1%
Q1 2025	$2.1M	−$102K	−4.7%
Q4 2024	$2.2M	+$35K	+1.6%
Q3 2024	$2.1M	+$104K	+5.1%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

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

Account Maintenance

Monthly Maintenance$10
per month
Monthly service fee$6
per month
Account Closure Fee (within 60 days of opening)$30
Early Account Closure Fee$10
Dormant Account Fee (An account is dormant if for 12 months you have made no deposits or withdrawals on the account.)$5
per month
Account Balancing Assistance$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Monthly fee for paper statements$4
per month
Returned Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Non-Sufficient Overdraft Item$32
per item
Non-Sufficient Overdraft Item$32
per item
Non-Sufficient Return Item$32
per item
NSF Protection Transfer Fee$3
per item

ATM & Card

Transfer or Inquiry with ATM or Debit Card$1
Withdrawal with ATM or Debit Card$2

Wire Transfers

Wire Transfer: Outgoing$20
Wire Transfer: Incoming$10

Check Services

Cashier's Checks$5
per item
Stop Payment Orders$32
per item
Temporary Check Printing (first page free)$1
Not compared: Charged per page; comparison unavailable
per page
CD-ROM of Check Images$5
Not compared: CD/IRA fee
Check Image Printing$1
Not compared: Charged per page; comparison unavailable
per page

Cash & Deposit

Coin Counting5%
Returned Deposited Item- Special Handling$8
per item

Account Services

Replacement Key$7
Not compared: Box drilling or key fee
Safe Deposit Box - Key Replacement$10
Not compared: Box drilling or key fee
Garnishments$125
Levies$75

Other Fees

Faxes$2
Not compared: Charged per page; comparison unavailable
per page
Photocopies$3
Not compared: Charged per page; comparison unavailable
per page
Statement Reprint$3
Statement Reprint with Check Images$8

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$10	per month	None
Monthly service fee	$6	per month	None
Account Closure Fee (within 60 days of opening)	$30	Not stated	None
Early Account Closure Fee	$10	Not stated	None
Dormant Account Fee (An account is dormant if for 12 months you have made no deposits or withdrawals on the account.)	$5	per month	None
Account Balancing Assistance	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly fee for paper statements	$4	per month	None
Returned Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Non-Sufficient Overdraft Item	$32	per item	None
Non-Sufficient Overdraft Item	$32	per item	None
Non-Sufficient Return Item	$32	per item	None
NSF Protection Transfer Fee	$3	per item	None
ATM & Card
Transfer or Inquiry with ATM or Debit Card	$1	Not stated	None
Withdrawal with ATM or Debit Card	$2	Not stated	None
Wire Transfers
Wire Transfer: Outgoing	$20	Not stated	None
Wire Transfer: Incoming	$10	Not stated	None
Check Services
Cashier's Checks	$5	per item	None
Stop Payment Orders	$32	per item	None
Temporary Check Printing (first page free)	$1Not compared: Charged per page; comparison unavailable	per page	None
CD-ROM of Check Images	$5Not compared: CD/IRA fee	Not stated	None
Check Image Printing	$1Not compared: Charged per page; comparison unavailable	per page	None
Cash & Deposit
Coin Counting	5%	Not stated	None
Returned Deposited Item- Special Handling	$8	per item	None
Account Services
Replacement Key	$7Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box - Key Replacement	$10Not compared: Box drilling or key fee	Not stated	None
Garnishments	$125	Not stated	None
Levies	$75	Not stated	None
Other Fees
Faxes	$2Not compared: Charged per page; comparison unavailable	per page	None
Photocopies	$3Not compared: Charged per page; comparison unavailable	per page	None
Statement Reprint	$3	Not stated	None
Statement Reprint with Check Images	$8	Not stated	None

Overdraft & NSF

Non-Sufficient Overdraft Item$32
per item

Cash & Deposit

Returned Deposited Items - Business$5
per item

Fee	Amount	Basis	Note
Overdraft & NSF
Non-Sufficient Overdraft Item	$32	per item	None
Cash & Deposit
Returned Deposited Items - Business	$5	per item	None

Correct a fee source

Oct 21, 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 Bank & Trust Company operates, and what regulators and customers have on file.

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

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