Compared with Wyoming
3 of 18
compared fees are above the median.
9 below, 6 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
19th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Wyoming median
of 18 compared; 9 below, 6 about the same
See the feesFee schedule read Oct 31, 2026
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) 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 Wyoming median | Published fees above the Wyoming 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
Service charges were 1.0% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (19th 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 $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.
3 of 18 compared published fees sit above the Wyoming median; 9 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 Wyoming medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $9, the middle of its prices
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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.
Service-charge income rose 33% from Q3 2025 to Q2 2026, to $4K. Its share of revenue, 1.0%, is below the 2.1% median for banks with under $300M in assets.
$4K
Farmers State BankMedian
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. *Monthly maintenance: Listed at $2 to $10; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Farmers State Bank (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 | $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% |
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 State Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Farmers State Bank by share.
Amounts from Farmers State Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per hour
per hour
per month
per item
per item
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Interest Checking Monthly Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge (audience not stated, treated as personal) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing (Within 6 Months of Opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (Per Month) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | 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) | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Insufficient Fee (Per Item – Limit 5 Per Day) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | Limit 5 Per Day |
| Continuous Overdraft Fee (Every 7th Day) | $30Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Transaction Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement ATM Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fees: Domestic Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fees: Domestic Incoming | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Fees: International Outgoing | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| International Incoming | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Orders (Customers over 60 yrs of age) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Orders (Freedom 55 Account) | No chargeBelow the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (Each) | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing (Non-Customer) (audience not stated, treated as personal) | 3%($5 minimum) | Not stated | None |
| Collection Fee | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination (Per File) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | 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 | $8Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Fee (Non-Customer) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Lost Safe Deposit Box Key (Minimum) | $150Not compared: Box drilling or key fee | Not stated | None |
| Garnishment/Levy Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | 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
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.
Where Farmers State Bank operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $31.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $31.2M |
Cheyenne, WY
1% of bank deposits, #16 of 19, down 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 13.9% |
| ANB Bank | 11.3% |
| Wells Fargo Bank, National Association | 10.6% |
| Riverstone Bank | 9.7% |
| First Interstate Bank | 8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Cheyenne, WY, Farmers State Bank holds 1% of bank deposits, #16 of 19, with 1 office.
52 offices of 27 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 19 institutions shown. $3.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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.
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.