Compared with Oregon
11 of 15
compared fees are above the median.
2 below, 2 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
38th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Oregon median
of 15 compared; 2 below, 2 about the same
See the feesFee schedule read Oct 6, 2026
Call-report figures are for Citizens 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 Oregon median | Published fees above the Oregon median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Citizens Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 6, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.7% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (38th 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 $121K in Q2 2026, 12% below the same quarter a year earlier ($138K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
11 of 15 compared published fees sit above the Oregon median; 2 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 Oregon medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Citizens Senior Checking $5 · Citizens Choice Checking $10 · Citizens Elite Checking $15
Compared at $10, the middle of its prices
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Oregon, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 17% from Q3 2025 to Q2 2026, to $121K. Its share of revenue, 1.7%, is below the 2.1% median for banks with $300M to $1B in assets.
$121K
Citizens 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.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $15; we compare the midpoint.
Citizens Bank · $823M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Citizens Bank(this institution) | Corvallis, OR | $823M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of the West | Grapevine, TX | $830M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Barwick Banking Company | Barwick, GA | $830M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| CIBM Bank | Champaign, IL | $820M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| CNB St Louis Bank | Maplewood, MO | $813M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cumberland Valley National Bank & Trust Company | London, KY | $816M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank | Clewiston, FL | $811M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Century Bank | Tazewell, TN | $810M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Freedom Bank | Lebanon, TN | $818M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Resource Bank | Exton, PA | $841M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank of Middlebury | Middlebury, IN | $836M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Utah Bank | Salt Lake City, UT | $840M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hana Bank USA, National Association | Fort Lee, NJ | $835M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hebron Savings Bank | Hebron, MD | $839M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Macon Bank and Trust Company | Lafayette, TN | $821M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northeast Bank | Minneapolis, MN | $837M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Oregon Pacific Bank | Florence, OR | $825M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Platte Valley Bank | Torrington, WY | $809M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Premier Bank | Rock Valley, IA | $826M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| PromiseOne Bank | Duluth, GA | $812M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Quail Creek Bank | Oklahoma City, OK | $831M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Rollstone Bank & Trust | Fitchburg, MA | $816M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Royal Bank | Elroy, WI | $816M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Southern Bank | Umatilla, FL | $843M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| West Shore Bank | Ludington, MI | $834M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wilson & Muir Bank & Trust Company | Bardstown, KY | $818M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its three prices, against a peer median of $8 among 14 publishing peers.
Its three checking prices are $5, $10 and $15.
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 31, 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Citizens 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 | $121K | $0 | 0.0% |
| Q1 2026 | $121K | +$52K | +75.4% |
| Q4 2025 | $69K | −$76K | −52.4% |
| Q3 2025 | $145K | +$7K | +5.1% |
| Q2 2025 | $138K | +$4K | +3.0% |
| Q1 2025 | $134K | +$9K | +7.2% |
| Q4 2024 | $125K | −$15K | −10.7% |
| Q3 2024 | $140K | −$9K | −6.0% |
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, Citizens Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Citizens Bank by share.
Amounts from Citizens 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 hour, one hour minimum
per month
per item
per item
per item
per year
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Citizens Choice Checking Monthly Maintenance Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Citizens Elite Checking Monthly Maintenance Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Citizens Senior Checking Monthly Maintenance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research per hour (one hour minimum) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Research per page (check or deposit images) | $3Below the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Statement Balancing | $30Above the U.S. middle 50% ($6 to $25 nationally) | per item | per hour, one hour minimum |
| Paper Statement fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Return Item charged back to account (per item) | $6Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Consumer Overdraft Sweep (per transfer) | $5Not compared: Annual charge, not per item | per year | None |
ATM & Card | |||
| ATM Withdrawal (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Debit or ATM Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire (outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic Wire (incoming) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Foreign Wire (outgoing) | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Foreign Wire (incoming) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Order (ACH, Debit Card, Check) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Renewal (ACH, Debit Card, Check) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Foreign Check (cash/deposit, per item) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Domestic Collection Fee (incoming & outgoing) | $50Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Foreign Check Clean Collection (plus foreign bank fees) | $50Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Account Services | |||
| Annual Rent for 10 x 10 | $105Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent for 2 x 5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent for 3 x 10 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent for 3 x 5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent for 5 x 5 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Drilling Fees | $50Not compared: Box drilling or key fee | Not stated | None |
| Garnishment Response | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Additional check fee | $1Below the U.S. middle 50% ($20 to $37.50 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 6, 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 Citizens Bank operates, and what regulators and customers have on file.
Branch footprint
14 offices in 1 state, $702.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $351.1M | |
| 3 | $103.8M | |
| 3 | $88.7M | |
| 3 | $80.4M | |
| 2 | $78.5M |
Corvallis, OR
22.3% of bank deposits, #1 of 8, down 3.8 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 19.6% |
| JPMorgan Chase Bank, National Association | 16.5% |
| U.S. Bank National Association | 15.4% |
| Bank of America, National Association | 11% |
| Columbia Bank | 8.8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Corvallis, OR, Citizens Bank holds 22.3% of bank deposits, #1 of 8, with 3 offices.
The fee comparison uses its home metro, Albany, OR.
26 offices of 14 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.
$1.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 22.3% share, 3 offices, #1 of 8
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
11 offices of 6 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.