Compared with Oklahoma
8 of 20
compared fees are above the median.
7 below, 5 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
8th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Oklahoma median
of 20 compared; 7 below, 5 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Kirkpatrick 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 Oklahoma median | Published fees above the Oklahoma median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Kirkpatrick Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.5% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (8th 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 $63K in Q2 2026, 10.0% below the same quarter a year earlier ($70K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 20 compared published fees sit above the Oklahoma 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 Oklahoma medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
PREFERRED INTEREST CHECKING $5 to $10
Compared at $7.50, the middle of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Oklahoma, 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 fell 11% from Q3 2025 to Q2 2026, to $63K. Its share of revenue, 0.5%, is below the 2.2% median for banks with $1B to $10B in assets.
$63K
Kirkpatrick 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 $5 to $10; we compare the midpoint.
Kirkpatrick Bank · $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 |
|---|---|---|---|---|---|---|---|
| Kirkpatrick Bank(this institution) | Edmond, OK | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Brannen Bank | Inverness, FL | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Calvin B. Taylor Banking Company of Berlin, Maryland | Berlin, MD | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Clear Mountain Bank | Bruceton Mills, WV | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dundee Bank | Omaha, NE | $976M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Central Savings Bank | Glen Cove, NY | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Federal Bank of Kansas City | Lees Summit, MO | $993M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Federal Community Bank, National Association | Dover, OH | $995M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings and Loan Association of Greene Co | Waynesburg, PA | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Metro Bank | Muscle Shoals, AL | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Security Bank | Batesville, MS | $977M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Service Bank | Greenbrier, AR | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Grand Savings Bank | Grove, OK | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Haven Savings Bank | Hoboken, NJ | $987M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| HomeTown Bank, National Association | Galveston, TX | $990M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| International Bank of Chicago | Chicago, IL | $983M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | Jonestown, PA | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Midwest Bank | Detroit Lakes, MN | $985M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Olympia Federal Savings and Loan Association | Olympia, WA | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Presidential Bank, FSB | Bethesda, MD | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| River Bank | Stoddard, WI | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank of Old Monroe | Old Monroe, MO | $995M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Port Washington State Bank | Port Washington, WI | $1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Torrington Savings Bank | Torrington, CT | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Vision Bank | Ada, OK | $1000M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Walden Savings Bank | Montgomery, NY | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ 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 $7.50, the middle of its two prices, against a peer median of $7 among 17 publishing peers.
Its two checking prices are $5 and $10.
$7.50 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
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.
Call reports for Kirkpatrick 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 | $63K | −$9K | −12.5% |
| Q1 2026 | $72K | −$5K | −6.5% |
| Q4 2025 | $77K | +$6K | +8.5% |
| Q3 2025 | $71K | +$1K | +1.4% |
| Q2 2025 | $70K | −$3K | −4.1% |
| Q1 2025 | $73K | −$3K | −3.9% |
| Q4 2024 | $76K | −$6K | −7.3% |
| Q3 2024 | $82K | +$3K | +3.8% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Kirkpatrick Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Kirkpatrick Bank by share.
Amounts from Kirkpatrick Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly maintenance fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Checking Account Fee (after 24 consecutive monthly statement cycles of inactivity on accounts with a balance < $500.00) | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Undeliverable Mail Fee | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Paid Overdraft Charge | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned NSF Check Charge | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM/Debit Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Rush Card Delivery (audience not stated, treated as personal) | $60Above the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Mastercard Debit Card - International Service Assessment | 2%of the transaction | Not stated | None |
| MasterCard Debit Card International Service Assessment (audience not stated, treated as personal) | 2%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Domestic - Outgoing | $12Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Domestic - Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer International - Outgoing | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer International - Incoming | $45Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Domestic Collection Item Incoming | $16Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Domestic Collection Item Outgoing | $16Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Foreign Collection Item Outgoing < | $19Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Account Research Check Copies | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Return Item/Charge Back | $4Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Levy/Garnishment Processing | $30Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Cards | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | per item | 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 11, 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 Kirkpatrick Bank operates, and what regulators and customers have on file.
Branch footprint
6 offices in 2 states, $890.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 4 | $704.7M | |
| 1 | $146.5M | |
| 1 | $39.1M |
Oklahoma City, OK
1.2% of bank deposits, #14 of 71, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| MidFirst Bank | 23.5% |
| BOKF, National Association | 12.3% |
| JPMorgan Chase Bank, National Association | 9.4% |
| BancFirst | 8.3% |
| Bank of America, National Association | 8.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Oklahoma City, OK, Kirkpatrick Bank holds 1.2% of bank deposits, #14 of 71, with 4 offices.
504 offices of 95 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 71 institutions shown. $60.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.2% share, 4 offices, #14 of 71
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
124 offices of 24 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.