Kirkpatrick Bank

Headquarters: Edmond, Oklahoma
Charter: Bank
Assets: $1.0B
Fed district: Kansas City
Regulator: FDIC
Holding company: Kirkpatrick Bancorp Inc.

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

Source: its fee schedule, read Oct 11, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 11, 2026

How these figures are measured

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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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.	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

Details

Source: FDIC BankFind Suite (call report data)
Entity: Kirkpatrick Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
PREFERRED INTEREST CHECKING $5 to $10
Compared at $7.50, the middle of its prices
Kirkpatrick Bank: $5 to $10
Kirkpatrick Bank: $5 to $10
U.S. median: no median
Overdraft (OD)
Kirkpatrick Bank: $28
Kirkpatrick Bank: $28
U.S. median: no median
NSF / Returned Item
Kirkpatrick Bank: No fee
Kirkpatrick Bank: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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.

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).
Oklahoma: Banks and credit unions headquartered in Oklahoma 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 fell 11% from Q3 2025 to Q2 2026, to $63K.

Service-charge income, Q2 2026

$63K

$71KQ3 2025

$77KQ4 2025

$72KQ1 2026

$63KQ2 2026

Against the median

Kirkpatrick BankMedian

Sources and open questions

FDIC 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

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.

Banks only
$976M to $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
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.50 (7.1%) above the median of similar-sized banks.

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

Kirkpatrick 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 Oct 29, 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 Kirkpatrick 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: $63K
vs prior quarter: −$9K−12.5%; from Q1 2026
vs a year earlier: −$7K−10.0%; from Q2 2025
vs start of range: −$19K−23.2%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Kirkpatrick Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Kirkpatrick Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance fee$10
per month
Monthly maintenance fee$5
per month
Dormant Checking Account Fee (after 24 consecutive monthly statement cycles of inactivity on accounts with a balance < $500.00)$6
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Mail Fee$10

Overdraft & NSF

Paid Overdraft Charge$28
per item
Returned NSF Check ChargeNo charge
per item

ATM & Card

ATM/Debit Card Replacement Fee$5
per item
Rush Card Delivery (audience not stated, treated as personal)$60
per item
Mastercard Debit Card - International Service Assessment2%of the transaction
MasterCard Debit Card International Service Assessment (audience not stated, treated as personal)2%of the transaction

Wire Transfers

Wire Transfer Domestic - Outgoing$12
Wire Transfer Domestic - Incoming$10
Wire Transfer International - Outgoing$45
Wire Transfer International - Incoming$45

Check Services

Cashier's Checks$2
per item
Money Orders$2
per item
Stop Payment Fee$25
per item
Temporary Checks$1
per item
Domestic Collection Item Incoming$16
Domestic Collection Item Outgoing$16
Foreign Collection Item Outgoing <$19
Account Research Check Copies$2
per item

Cash & Deposit

Return Item/Charge Back$4
per item

Account Services

Levy/Garnishment Processing$30
per item

Gift & Prepaid Cards

Visa Gift Cards$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$10	per month	None
Monthly maintenance fee	$5	per month	None
Dormant Checking Account Fee (after 24 consecutive monthly statement cycles of inactivity on accounts with a balance < $500.00)	$6	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Mail Fee	$10	Not stated	None
Overdraft & NSF
Paid Overdraft Charge	$28	per item	None
Returned NSF Check Charge	No charge	per item	None
ATM & Card
ATM/Debit Card Replacement Fee	$5	per item	None
Rush Card Delivery (audience not stated, treated as personal)	$60	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	$12	Not stated	None
Wire Transfer Domestic - Incoming	$10	Not stated	None
Wire Transfer International - Outgoing	$45	Not stated	None
Wire Transfer International - Incoming	$45	Not stated	None
Check Services
Cashier's Checks	$2	per item	None
Money Orders	$2	per item	None
Stop Payment Fee	$25	per item	None
Temporary Checks	$1	per item	None
Domestic Collection Item Incoming	$16	Not stated	None
Domestic Collection Item Outgoing	$16	Not stated	None
Foreign Collection Item Outgoing <	$19	Not stated	None
Account Research Check Copies	$2	per item	None
Cash & Deposit
Return Item/Charge Back	$4	per item	None
Account Services
Levy/Garnishment Processing	$30	per item	None
Gift & Prepaid Cards
Visa Gift Cards	$5	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

Correct a fee source

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.

Fee change alerts

Get an email when Kirkpatrick Bank's nsf / returned item changes in our data

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