Farmers State Bank

Headquarters: Marion, Iowa
Charter: Bank
Assets: $1.1B
Fed district: Chicago
Regulator: FDIC
Holding company: Neighbor Insurance Agency Inc.

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

Source: its fee schedule, read Oct 26, 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 26, 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 26, 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 $313K in Q2 2026, about level with the same quarter a year earlier ($312K).
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 $5, the middle of its prices
Farmers State Bank: $3 to $20
Farmers State Bank: $3 to $20
U.S. median: no median
Overdraft (OD)
Farmers State Bank: $15
Farmers State Bank: $15
U.S. median: no median
Non-Network ATM
Farmers State Bank: $2
Farmers State Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago 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).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 fell 10% from Q3 2025 to Q2 2026, to $313K.

Service-charge income, Q2 2026

$313K

$348KQ3 2025

$347KQ4 2025

$303KQ1 2026

$313KQ2 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 · $1.1B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$1.1B in assets
Headquartered in 19 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)	Marion, IA	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
American Bank	Allentown, PA	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
AuburnBank	Auburn, AL	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Bank Forward	Fargo, ND	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Commerce	Greenwood, MS	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Labor	Overland Park, KS	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Washington	Washington, MO	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Wisconsin Dells	Wisconsin Dells, WI	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
EverTrust Bank	City of Industry, CA	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Financial Federal Bank	Memphis, TN	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Arkansas Bank and Trust	Jacksonville, AR	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Command Bank	Fort Worth, TX	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Bank of Louisiana	Lake Charles, LA	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank	Altavista, VA	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank, Ames, Iowa	Ames, IA	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First US Bank	Birmingham, AL	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Generations Bank	Rogers, AR	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Liberty Savings Bank, F.S.B.	Wilmington, OH	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MountainOne Bank	North Adams, MA	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pentucket Bank	Haverhill, MA	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pioneer Bank	Roswell, NM	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sturdy Savings Bank	Stone Harbor, NJ	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Citizens National Bank of Bluffton	Bluffton, OH	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
TrailWest Bank	Lolo, MT	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Trustar Bank	Great Falls, VA	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Winchester Savings Bank	Winchester, MA	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $5 (50%) below the median of similar-sized banks.

Compared at $5, the middle of its seven prices, against a peer median of $10 among 17 publishing peers.

Its seven checking prices are $3, $4.95, $5, $5, $5, $6 and $20.

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 State Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (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 2, 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: $313K
vs prior quarter: +$10K+3.3%; from Q1 2026
vs a year earlier: +$1K+0.3%; from Q2 2025
vs start of range: −$13K−4.0%; 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	$313K	+$10K	+3.3%
Q1 2026	$303K	−$44K	−12.7%
Q4 2025	$347K	−$1K	−0.3%
Q3 2025	$348K	+$36K	+11.5%
Q2 2025	$312K	+$12K	+4.0%
Q1 2025	$300K	−$6K	−2.0%
Q4 2024	$306K	−$20K	−6.1%
Q3 2024	$326K	+$19K	+6.2%

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

Maintenance fee$5
per month
Maintenance fee$3
per month
Maintenance fee$6
per month
Maintenance fee$5
per month
Monthly fee if below minimum:6$20
per month
Rewards Checking Maintenance fee$5
per month
Secure Checking Monthly Fee$4.95
per month
Inactive/Dormant Account Fee$5
per month
Account Reconcilement/Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Mail Fee$5

Overdraft & NSF

Overdraft (OD)$15
per item
Overdraft Protection Transfer$5
per item

ATM & Card

Non-FSB ATM withdrawal (Secure Checking)$2
per transaction
Non-Network ATM$2
per item
Debit Card Replacement Fee$15

Wire Transfers

Wire Services: Outgoing Domestic$15
Wire Services: Incoming Domestic$10
Wire Services: Outgoing International$55
Wire Services: Incoming International$10

Check Services

Cashier's Check$5
ACH Stop Payment$29
Stop Payment$29
Counter/Temporary Checks$0.25
per item
Check Copy$3

Digital & Electronic

ACH Returned Deposited Item$5
Bill Payment Inactivity Fee$3
per month

Cash & Deposit

Returned Deposited Item$8

Account Services

Notary ServicesNo charge
Safe Deposit Box 10" x 10"$80
Safe Deposit Box 2" x 5"$20
per year
Safe Deposit Box 3" x 10"$45
Safe Deposit Box 3" x 5"$30
Safe Deposit Box 5" x 10"$55
Safe Deposit Box 5" x 5"$35
Safe Deposit Box Late Payment Fee$5
Not compared: Box drilling or key fee
Levy/ Garnishment$100
per item

Gift & Prepaid Cards

Gift Card$2.95

Other Fees

Statement Copy$3

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee	$5	per month	None
Maintenance fee	$3	per month	None
Maintenance fee	$6	per month	None
Maintenance fee	$5	per month	None
Monthly fee if below minimum:6	$20	per month	None
Rewards Checking Maintenance fee	$5	per month	None
Secure Checking Monthly Fee	$4.95	per month	None
Inactive/Dormant Account Fee	$5	per month	None
Account Reconcilement/Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Mail Fee	$5	Not stated	None
Overdraft & NSF
Overdraft (OD)	$15	per item	None
Overdraft Protection Transfer	$5	per item	None
ATM & Card
Non-FSB ATM withdrawal (Secure Checking)	$2	per transaction	None
Non-Network ATM	$2	per item	None
Debit Card Replacement Fee	$15	Not stated	None
Wire Transfers
Wire Services: Outgoing Domestic	$15	Not stated	None
Wire Services: Incoming Domestic	$10	Not stated	None
Wire Services: Outgoing International	$55	Not stated	None
Wire Services: Incoming International	$10	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
ACH Stop Payment	$29	Not stated	None
Stop Payment	$29	Not stated	None
Counter/Temporary Checks	$0.25	per item	None
Check Copy	$3	Not stated	None
Digital & Electronic
ACH Returned Deposited Item	$5	Not stated	None
Bill Payment Inactivity Fee	$3	per month	None
Cash & Deposit
Returned Deposited Item	$8	Not stated	None
Account Services
Notary Services	No charge	Not stated	None
Safe Deposit Box 10" x 10"	$80	Not stated	None
Safe Deposit Box 2" x 5"	$20	per year	None
Safe Deposit Box 3" x 10"	$45	Not stated	None
Safe Deposit Box 3" x 5"	$30	Not stated	None
Safe Deposit Box 5" x 10"	$55	Not stated	None
Safe Deposit Box 5" x 5"	$35	Not stated	None
Safe Deposit Box Late Payment Fee	$5Not compared: Box drilling or key fee	Not stated	None
Levy/ Garnishment	$100	per item	None
Gift & Prepaid Cards
Gift Card	$2.95	Not stated	None
Other Fees
Statement Copy	$3	Not stated	None

Correct a fee source

Oct 26, 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 Cedar Rapids, IA, Farmers State Bank holds 10.3% of bank deposits, #3 of 35, with 8 offices.

Compare fees with the 28 Cedar Rapids, IA banks and credit unions in its home-metro peer set →

Offices in the metro

125 offices of 49 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: Cedar Rapids, IA metro (FDIC metro code 16300), 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
Not drawn: 1 office has no coordinates on file

Share of bank deposits

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

1Cedar Rapids Bank and Trust Company22.1%
2U.S. Bank National Association11.8%
3Farmers State Bank10.3%
4Hills Bank and Trust Company8.5%
5Wells Fargo Bank, National Association8.0%
6Bankers Trust Company4.9%
7Ohnward Bank & Trust3.4%
8Citizens State Bank2.4%

8 of 35 institutions shown. $8.8B 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: Cedar Rapids, IA metro (FDIC metro code 16300)
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: 10.3% share, 8 offices, #3 of 35

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: Cedar Rapids, IA 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

33 offices of 14 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 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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