Compared with Iowa
7 of 23
compared fees are above the median.
7 below, 9 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
54th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Iowa median
of 23 compared; 7 below, 9 about the same
See the feesFee schedule read Oct 26, 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 869 banks with $1B to $10B 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 Iowa median | Published fees above the Iowa 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
Service charges were 2.3% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (54th 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 $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.
7 of 23 compared published fees sit above the Iowa median; 7 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 Iowa medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $5, the middle of its prices
Overdraft (OD)
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.
Service-charge income fell 10% from Q3 2025 to Q2 2026, to $313K. Its share of revenue, 2.3%, is above the 2.2% median for banks with $1B to $10B in assets.
$313K
Farmers State BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $3 to $20; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
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 | $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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 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 month
per month
per month
per hour
per item
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee if below minimum:6 | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Rewards Checking Maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Secure Checking Monthly Fee | $4.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive/Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconcilement/Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Undeliverable Mail Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft (OD) | $15Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Protection Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Non-FSB ATM withdrawal (Secure Checking) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Non-Network ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit Card Replacement Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Services: Outgoing Domestic | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Services: Incoming Domestic | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Services: Outgoing International | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Services: Incoming International | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| ACH Stop Payment | $29Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment | $29Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter/Temporary Checks | $0.25Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Returned Deposited Item | $5Below the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| Bill Payment Inactivity Fee | $3Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Returned Deposited Item | $8Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Services | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 10" x 10" | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2" x 5" | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3" x 10" | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" x 5" | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" x 10" | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" x 5" | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Late Payment Fee | $5Not compared: Box drilling or key fee | Not stated | None |
| Levy/ Garnishment | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Gift Card | $2.95Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
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.
Where Farmers State Bank operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state, $919.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 8 | $907.2M | |
| 1 | $12.3M |
Cedar Rapids, IA
10.3% of bank deposits, #3 of 35, down 1.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Cedar Rapids Bank and Trust Company | 22.1% |
| U.S. Bank National Association | 11.8% |
| Hills Bank and Trust Company | 8.5% |
| Wells Fargo Bank, National Association | 8% |
| Bankers Trust Company | 4.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Cedar Rapids, IA, Farmers State Bank holds 10.3% of bank deposits, #3 of 35, with 8 offices.
125 offices of 49 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.
8 of 35 institutions shown. $8.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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 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.