Farmers State Bank

Headquarters: Pine Bluffs, Wyoming
Charter: Bank
Assets: $35.4M
Fed district: Kansas City
Regulator: Federal Reserve
Holding company: Commercial Bancorp

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

Source: its fee schedule, read Oct 31, 2026.

Overview

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
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 31, 2026

How these figures are measured

Call-report figures are for Farmers State 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	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) 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 State Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 31, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Farmers State Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $4K in Q2 2026, 33% above the same quarter a year earlier ($3K).
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 $9, the middle of its prices
Farmers State Bank: $2 to $10
Farmers State Bank: $2 to $10
U.S. median: no median
NSF / Returned Item
Farmers State Bank: $25
Farmers State Bank: $25
U.S. median: no median
Non-Network ATM
Farmers State Bank: $1
Farmers State Bank: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wyoming, the Kansas City 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).
Wyoming: Banks and credit unions headquartered in Wyoming that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 33% from Q3 2025 to Q2 2026, to $4K.

Service-charge income, Q2 2026

$4K

$3KQ3 2025

$3KQ4 2025

$3KQ1 2026

$4KQ2 2026

Against the median

Farmers State BankMedian

Sources and open questions

FFIEC 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 State Bank · $35M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$21M to $51M in assets
Headquartered in 16 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 State Bank(this institution)	Pine Bluffs, WY	$35M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
1st Bank in Hominy	Hominy, OK	$45M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Avana Bank	Abilene, TX	$40M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Brewton	Brewton, AL	$50M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank Of Jackson Hole Trust	Jackson, WY	$38M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Mead	Mead, NE	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Benton County State Bank	Blairstown, IA	$51M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Brazos National Bank	Richwood, TX	$28M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Carrollton Federal Bank	Carrollton, KY	$44M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens State Bank	Carleton, NE	$36M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cornerstone Bank	Clarinda, IA	$42M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cottonwood Valley Bank	Cedar Point, KS	$38M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
First American Bank	Stonewall, OK	$34M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First State Bank in Temple	Temple, OK	$26M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Gala Bank	Ocala, FL	$45M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hertford Savings Bank, SSB	Hertford, NC	$21M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Kindred State Bank	Kindred, ND	$43M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Lamont Bank of St. John	Saint John, WA	$51M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Martinsville First Savings Bank	Martinsville, VA	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
North Side Federal Savings and Loan Association of Chicago	Chicago, IL	$42M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Portrait Bank	Winter Park, FL	$45M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Second Federal Savings and Loan Association of Philadelphia	Philadelphia, PA	$46M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
State Bank of Easton	Easton, MN	$28M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Lake Park	Lake Park, MN	$47M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The State Exchange Bank	Mankato, KS	$51M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Washita State Bank	Burns Flat, OK	$44M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $1 (13%) above the median of similar-sized banks.

Compared at $9, the middle of its four prices, against a peer median of $8 among 16 publishing peers.

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

$9 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 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Farmers State Bank: 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 1, 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 State 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: $4K
vs prior quarter: +$1K+33.3%; from Q1 2026
vs a year earlier: +$1K+33.3%; from Q2 2025
vs start of range: +$1K+33.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Farmers State Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$4K	+$1K	+33.3%
Q1 2026	$3K	$0	0.0%
Q4 2025	$3K	$0	0.0%
Q3 2025	$3K	$0	0.0%
Q2 2025	$3K	$0	0.0%
Q1 2025	$3K	−$1K	−25.0%
Q4 2024	$4K	+$1K	+33.3%
Q3 2024	$3K	−$1K	−25.0%

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 State Bank’s own schedules, with a source for each figure.

Account Maintenance

Interest Checking Monthly Service Charge$10
per month
Monthly Service Charge$8
per month
Monthly Service Charge (audience not stated, treated as personal)$2
per month
Monthly Service Charge$10
per month
Account Closing (Within 6 Months of Opening)$25
Dormant Account Fee (Per Month)$10
per month
Account Balancing (Per Hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (Per Hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Processing Fee (Per Month)$10
per month

Overdraft & NSF

Insufficient Fee (Per Item – Limit 5 Per Day)$25
per item · Limit 5 Per Day
Continuous Overdraft Fee (Every 7th Day)$30

ATM & Card

Foreign ATM Transaction Fee$1
Replacement ATM Debit Card$10

Wire Transfers

Wire Transfer Fees: Domestic Outgoing$20
Wire Transfer Fees: Domestic Incoming$5
Wire Transfer Fees: International Outgoing$45
International Incoming$5

Check Services

Cashier’s Checks$5
Money Orders$3
Money Orders (Customers over 60 yrs of age)$2
Money Orders (Freedom 55 Account)No charge
Stop Payment$20
Temporary Checks (Each)$0.50
per item
Check Cashing (Non-Customer) (audience not stated, treated as personal)3%($5 minimum)
Collection Fee$10

Digital & Electronic

ACH Origination (Per File)$5
per item

Cash & Deposit

Coin Counting (Non-Customer)10%
Coin Counting (Non-Customer) (audience not stated, treated as personal)10%
Returned Check Fee$8

Account Services

Notary Fee (Non-Customer)$5
Lost Safe Deposit Box Key (Minimum)$150
Not compared: Box drilling or key fee
Garnishment/Levy Fee$50

Other Fees

Photocopies (Per Page)$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Interest Checking Monthly Service Charge	$10	per month	None
Monthly Service Charge	$8	per month	None
Monthly Service Charge (audience not stated, treated as personal)	$2	per month	None
Monthly Service Charge	$10	per month	None
Account Closing (Within 6 Months of Opening)	$25	Not stated	None
Dormant Account Fee (Per Month)	$10	per month	None
Account Balancing (Per Hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (Per Hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail Processing Fee (Per Month)	$10	per month	None
Overdraft & NSF
Insufficient Fee (Per Item – Limit 5 Per Day)	$25	per item	Limit 5 Per Day
Continuous Overdraft Fee (Every 7th Day)	$30	Not stated	None
ATM & Card
Foreign ATM Transaction Fee	$1	Not stated	None
Replacement ATM Debit Card	$10	Not stated	None
Wire Transfers
Wire Transfer Fees: Domestic Outgoing	$20	Not stated	None
Wire Transfer Fees: Domestic Incoming	$5	Not stated	None
Wire Transfer Fees: International Outgoing	$45	Not stated	None
International Incoming	$5	Not stated	None
Check Services
Cashier’s Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Money Orders (Customers over 60 yrs of age)	$2	Not stated	None
Money Orders (Freedom 55 Account)	No charge	Not stated	None
Stop Payment	$20	Not stated	None
Temporary Checks (Each)	$0.50	per item	None
Check Cashing (Non-Customer) (audience not stated, treated as personal)	3%($5 minimum)	Not stated	None
Collection Fee	$10	Not stated	None
Digital & Electronic
ACH Origination (Per File)	$5	per item	None
Cash & Deposit
Coin Counting (Non-Customer)	10%	Not stated	None
Coin Counting (Non-Customer) (audience not stated, treated as personal)	10%	Not stated	None
Returned Check Fee	$8	Not stated	None
Account Services
Notary Fee (Non-Customer)	$5	Not stated	None
Lost Safe Deposit Box Key (Minimum)	$150Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy Fee	$50	Not stated	None
Other Fees
Photocopies (Per Page)	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 31, 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 State Bank operates, and what regulators and customers have on file.

Market position

In Cheyenne, WY, Farmers State Bank holds 1% of bank deposits, #16 of 19, with 1 office.

Compare fees with the 16 Cheyenne, WY banks and credit unions in its home-metro peer set →

Offices in the metro

52 offices of 27 institutions shown.

Farmers State 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: Cheyenne, WY metro (FDIC metro code 16940), 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

Share of bank deposits

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

1U.S. Bank National Association13.9%
2ANB Bank11.3%
3Wells Fargo Bank, National Association10.6%
4Riverstone Bank9.7%
5First Interstate Bank8.0%
6First National Bank8.0%
7Jonah Bank of Wyoming7.9%
8First National Bank of Omaha6.7%
16Farmers State Bank1.0%

9 of 19 institutions shown. $3.2B 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: Cheyenne, WY metro (FDIC metro code 16940)
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: 1% share, 1 office, #16 of 19

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: Cheyenne, WY 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

20 offices of 8 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.

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