Compared with Arkansas
6 of 18
compared fees are above the median.
5 below, 7 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
93rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Arkansas median
of 18 compared; 5 below, 7 about the same
See the feesFee schedule read Oct 27, 2026
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) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B 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 Arkansas median | Published fees above the Arkansas 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 | Oct 27, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 5.9% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (93rd 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 $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.
6 of 18 compared published fees sit above the Arkansas median; 5 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 Arkansas medians for fees published by banks and credit unions.
Wire Transfer (Domestic In)
NSF / Returned Item
Wire Transfer (Domestic Out)
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.
Service-charge income was about level from Q3 2025 to Q2 2026, at $463K. Its share of revenue, 5.9%, is above the 2.1% median for banks with $300M to $1B in assets.
$463K
Central BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for Central 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 | $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% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Central Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Central Bank by share.
Amounts from Central Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per quarter
per item
per item
per item
per item
per item
per item
per item
per item
per item
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee: Checking Account (per month) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $30Above the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Account Balancing Assistance: First Hour | $20Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Account Research: Each Additional Hour | $30Above the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Account Research: First Hour | $20Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| Nonsufficient Funds "NSF" (per item) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Domestic Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| ‘Wire Domestic Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ‘Wire International Outgoing | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire International Incoming | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Bank or Cashier Check: Customer | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Bank or Cashier Check: Non-Customer | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders (Customers Only) | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee (per item) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks (12 checks) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check copy fee | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination: Notice of Change | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Origination: Per Transaction/File | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| ACH Origination: Per Transaction/Originated | $0.05Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| ACH Origination: Software | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Origination: Software | $2,500Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Origination: Return Items (per item) | $5Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Account Services | |||
| Notary Public (non customer) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | 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) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safety Deposit Box Rental 8X10 (annual) | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy Gamishment | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Account Research: Research Copy(per page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Fax | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy(per copy) | $2Inside the U.S. middle 50% ($2 to $5 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 27, 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 Central Bank operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $743.4M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 2 | $656.4M | |
| 1 | $87.0M |
Little Rock-North Little Rock-Conway, AR
1.8% of bank deposits, #11 of 42, up 1.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank OZK | 22.8% |
| Bank of America, National Association | 14.1% |
| Simmons Bank | 11.1% |
| Centennial Bank | 7.7% |
| First Security Bank | 7.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Little Rock-North Little Rock-Conway, AR, Central Bank holds 1.8% of bank deposits, #11 of 42, with 2 offices.
352 offices of 70 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 42 institutions shown. $36.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.8% 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.
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.
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.