Central Bank

Headquarters: Little Rock, Arkansas
Charter: Bank
Assets: $954.6M
Fed district: St. Louis
Regulator: FDIC
Holding company: Cross County Bancshares Inc.

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

Source: its fee schedule, read Nov 3, 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 Nov 3, 2026

How these figures are measured

Call-report figures are for Central 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.	Central Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Central 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 $463K in Q2 2026, 8.9% below the same quarter a year earlier ($508K).
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.

NSF / Returned Item
Central Bank: $30
Central Bank: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Central Bank: $20
Central Bank: $20
U.S. median: no median
Stop Payment
Central Bank: $30
Central Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Arkansas, the St. Louis 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).
Arkansas: Banks and credit unions headquartered in Arkansas that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 was about level from Q3 2025 to Q2 2026, at $463K.

Service-charge income, Q2 2026

$463K

$460KQ3 2025

$436KQ4 2025

$444KQ1 2026

$463KQ2 2026

Against the median

Central 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

Central Bank · $955M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$928M to $985M in assets
Headquartered in 17 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
Central Bank(this institution)	Little Rock, AR	$955M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bank of Botetourt	Buchanan, VA	$939M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dream First Bank, National Association	Syracuse, KS	$964M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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 Bank & Trust Co.	Duncan, OK	$952M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Commerce Bank	Lewisburg, TN	$935M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Community Bank of Tennessee	Shelbyville, TN	$944M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank and Trust Company of Weatherford	Weatherford, TX	$968M	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 State Bank	Waynesboro, MS	$952M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Franklin Savings Bank	Franklin, NH	$931M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Greenfield Banking Company	Greenfield, IN	$930M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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
Legends Bank	Clarksville, TN	$928M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Mid-Missouri Bank	Springfield, MO	$947M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
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
Oxford Bank	Oxford, MI	$931M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Passumpsic Savings Bank	Saint Johnsbury, VT	$934M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Texas Bank	Henderson, TX	$954M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Texas Heritage National Bank	Daingerfield, TX	$936M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Farmers & Merchants Bank	Berlin, WI	$949M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Farmers Bank	Portland, TN	$943M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The First National Bank of Granbury	Granbury, TX	$946M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The First National Bank of Middle Tennessee	Mcminnville, TN	$952M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Killbuck Savings Bank Company	Killbuck, OH	$954M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Winchester Co-operative Bank	Winchester, MA	$947M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Central Bank does not publish a monthly maintenance fee in the index.

The peer median is $8 among 13 publishing peers.

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 22, 2026.

Monthly maintenance fee in dollars, one mark per institution

Central Bank does not publish a monthly maintenance fee, so it is not on this chart.

Central BankPeer (equal prices stack)Peer medianInclude $20 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 22, 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 Central 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: $463K
vs prior quarter: +$19K+4.3%; from Q1 2026
vs a year earlier: −$45K−8.9%; from Q2 2025
vs start of range: +$31K+7.2%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Central 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	$463K	+$19K	+4.3%
Q1 2026	$444K	+$8K	+1.8%
Q4 2025	$436K	−$24K	−5.2%
Q3 2025	$460K	−$48K	−9.4%
Q2 2025	$508K	+$34K	+7.2%
Q1 2025	$474K	+$18K	+3.9%
Q4 2024	$456K	+$24K	+5.6%
Q3 2024	$432K	+$20K	+4.9%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Dormant Account Fee: Checking Account (per month)$5
per month
Dormant Account Fee: Savings Account (per quarter)$5
Not compared: Quarterly charge, not monthly
per quarter
Account Balancing Assistance: Each Additional Hour$30
per item
Account Balancing Assistance: First Hour$20
Account Research: Each Additional Hour$30
per item
Account Research: First Hour$20

Overdraft & NSF

Nonsufficient Funds "NSF" (per item)$30
per item

ATM & Card

Debit Card Replacement$5

Wire Transfers

Wire Domestic Outgoing$20
‘Wire Domestic Incoming$15
‘Wire International Outgoing$45
Wire International Incoming$25

Check Services

Official Bank or Cashier Check: Customer$5
Official Bank or Cashier Check: Non-Customer$10
Money Orders (Customers Only)$5
Stop Payment Fee (per item)$30
per item
Temporary Checks (12 checks)$2
Check copy fee$1
per item

Digital & Electronic

ACH Origination: Notice of Change$5
ACH Origination: Per Transaction/File$5
per item
ACH Origination: Per Transaction/Originated$0.05
per item
ACH Origination: Software$25
ACH Origination: Software$2,500
ACH Origination: Return Items (per item)$5
per item

Account Services

Notary Public (non customer)$5
Safety Deposit Box Drill Fee$150
Not compared: Box drilling or key fee
Safety Deposit Box Late Payment Fee (audience not stated, treated as personal)$10
Not compared: Box drilling or key fee
Safety Deposit Box Lost Key (per key)$10
Not compared: Box drilling or key fee
per item
Safety Deposit Box Rental 5X10 (annual)$45
per year
Safety Deposit Box Rental 8X10 (annual)$85
per year
Levy Gamishment$100

Other Fees

Account Research: Research Copy(per page)$1
Not compared: Charged per page; comparison unavailable
per page
Fax$5
Photocopy(per copy)$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee: Checking Account (per month)	$5	per month	None
Dormant Account Fee: Savings Account (per quarter)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Account Balancing Assistance: Each Additional Hour	$30	per item	None
Account Balancing Assistance: First Hour	$20	Not stated	None
Account Research: Each Additional Hour	$30	per item	None
Account Research: First Hour	$20	Not stated	None
Overdraft & NSF
Nonsufficient Funds "NSF" (per item)	$30	per item	None
ATM & Card
Debit Card Replacement	$5	Not stated	None
Wire Transfers
Wire Domestic Outgoing	$20	Not stated	None
‘Wire Domestic Incoming	$15	Not stated	None
‘Wire International Outgoing	$45	Not stated	None
Wire International Incoming	$25	Not stated	None
Check Services
Official Bank or Cashier Check: Customer	$5	Not stated	None
Official Bank or Cashier Check: Non-Customer	$10	Not stated	None
Money Orders (Customers Only)	$5	Not stated	None
Stop Payment Fee (per item)	$30	per item	None
Temporary Checks (12 checks)	$2	Not stated	None
Check copy fee	$1	per item	None
Digital & Electronic
ACH Origination: Notice of Change	$5	Not stated	None
ACH Origination: Per Transaction/File	$5	per item	None
ACH Origination: Per Transaction/Originated	$0.05	per item	None
ACH Origination: Software	$25	Not stated	None
ACH Origination: Software	$2,500	Not stated	None
ACH Origination: Return Items (per item)	$5	per item	None
Account Services
Notary Public (non customer)	$5	Not stated	None
Safety Deposit Box Drill Fee	$150Not compared: Box drilling or key fee	Not stated	None
Safety Deposit Box Late Payment Fee (audience not stated, treated as personal)	$10Not compared: Box drilling or key fee	Not stated	None
Safety Deposit Box Lost Key (per key)	$10Not compared: Box drilling or key fee	per item	None
Safety Deposit Box Rental 5X10 (annual)	$45	per year	None
Safety Deposit Box Rental 8X10 (annual)	$85	per year	None
Levy Gamishment	$100	Not stated	None
Other Fees
Account Research: Research Copy(per page)	$1Not compared: Charged per page; comparison unavailable	per page	None
Fax	$5	Not stated	None
Photocopy(per copy)	$2	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

Nov 3, 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 Central Bank operates, and what regulators and customers have on file.

Market position

In Little Rock-North Little Rock-Conway, AR, Central Bank holds 1.8% of bank deposits, #11 of 42, with 2 offices.

Compare fees with the 45 Little Rock-North Little Rock-Conway, AR banks and credit unions in its home-metro peer set →

Offices in the metro

352 offices of 70 institutions shown.

Central 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: Little Rock-North Little Rock-Conway, AR metro (FDIC metro code 30780), 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: 8 offices have no coordinates on file

Share of bank deposits

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

1Bank OZK22.8%
2Bank of America, National Association14.1%
3Simmons Bank11.1%
4Centennial Bank7.7%
5First Security Bank7.5%
6Arvest Bank6.7%
7Regions Bank5.7%
8ENCORE BANK4.4%
11Central Bank1.8%

9 of 42 institutions shown. $36.9B 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: Little Rock-North Little Rock-Conway, AR metro (FDIC metro code 30780)
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: 1.8% share, 2 offices, #11 of 42

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: Little Rock-North Little Rock-Conway, AR 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

67 offices of 29 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.

Fee change alerts

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