Fees from its schedule are under review and appear here once review is done.
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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
33rd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 14, 2026
Call-report figures are for HNB National 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 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. | HNB National Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.5% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (33rd 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 $230K in Q2 2026, 28% above the same quarter a year earlier ($180K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for HNB National 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 | $230K | +$62K | +36.9% |
| Q1 2026 | $168K | −$16K | −8.7% |
| Q4 2025 | $184K | +$2K | +1.1% |
| Q3 2025 | $182K | +$2K | +1.1% |
| Q2 2025 | $180K | −$7K | −3.7% |
| Q1 2025 | $187K | −$5K | −2.6% |
| Q4 2024 | $192K | +$2K | +1.1% |
| Q3 2024 | $190K | +$7K | +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, HNB National Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to HNB National Bank by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Monthly Fee (audience not stated, treated as personal) | No charge | per month | None |
| Ultimate Checking monthly service charge (audience not stated, treated as personal) | $5 | per month | None |
| Early closure fee (audience not stated, treated as personal) | $25 | Not stated | None |
| eBanking Checking monthly fee for printed statement (audience not stated, treated as personal) | $5 | per month | None |
Digital & ElectronicUnder review | |||
| Bill Pay (audience not stated, treated as personal) | No charge | Not stated | None |
Other feesUnder review | |||
| Bill Pay (audience not stated, treated as personal) | No charge | Not stated | None |
| Early closure fee (audience not stated, treated as personal) | $25 | Not stated | None |
| Fee if Falls Below Balance (audience not stated, treated as personal) | No charge | Not stated | None |
| For eBanking Checking there is a Monthly service charge (audience not stated, treated as personal) | $5 | per month | None |
| For Ultimate Checking accounts, there is a monthly service charge of only (audience not stated, treated as personal) | $5 | per month | None |
| Monthly Fee (audience not stated, treated as personal) | No charge | per month | None |
| Paper statement fee (audience not stated, treated as personal) | $5 | per month | None |
| This fee applies to the NOW Checking account only. You must keep a (audience not stated, treated as personal) | $100 | per month | None |
| You will receive (audience not stated, treated as personal) | $2 | per year | 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 14, 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 HNB National Bank operates, and what regulators and customers have on file.
Branch footprint
17 offices in 1 state, $1.2B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 10 | $688.3M |
| 2 | $294.1M | |
| 3 | $108.7M | |
| 2 | $71.8M |
Kansas City, MO-KS
0.3% of bank deposits, #39 of 114, up 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| UMB Bank, National Association | 34.5% |
| Commerce Bank | 9.9% |
| Bank of America, National Association | 5.5% |
| U.S. Bank National Association | 5.4% |
| Security Bank of Kansas City | 3.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Kansas City, MO-KS, HNB National Bank holds 0.3% of bank deposits, #39 of 114, with 2 offices.
773 offices of 157 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 114 institutions shown. $99.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time
Only the 2026 survey has HNB National Bank in this metro, so there is no trend to show.
Credit unions, reported separately
122 offices of 44 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 OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and 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
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows