17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 6, 2026.
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 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) 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. | 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-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.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Citizens Senior Checking $5 · Citizens Choice Checking $10 · Citizens Elite Checking $15
Compared at $10, the middle of its prices
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
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.
$121K
Citizens BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
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% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Citizens Bank’s own schedules, with a source for each figure.
per month
per month
per month
per hour
per item
per item · per hour, one hour minimum
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Citizens Choice Checking Monthly Maintenance Fee | $10 | per month | None |
| Citizens Elite Checking Monthly Maintenance Fee | $15 | per month | None |
| Citizens Senior Checking Monthly Maintenance Fee | $5 | 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) | $3 | per item | None |
| Statement Balancing | $30 | per item | per hour, one hour minimum |
| Paper Statement fee | $5 | per month | None |
Overdraft & NSF | |||
| Return Item charged back to account (per item) | $6 | 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) | $2 | Not stated | None |
| Replacement Debit or ATM Card | $10 | Not stated | None |
Wire Transfers | |||
| Domestic Wire (outgoing) | $25 | Not stated | None |
| Domestic Wire (incoming) | $15 | per item | None |
| Foreign Wire (outgoing) | $55 | Not stated | None |
| Foreign Wire (incoming) | $20 | Not stated | None |
Check Services | |||
| Cashier's Checks | $7 | Not stated | None |
| Stop Payment Order (ACH, Debit Card, Check) | $30 | Not stated | None |
| Stop Payment Renewal (ACH, Debit Card, Check) | $30 | per item | None |
| Foreign Check (cash/deposit, per item) | $5 | per item | None |
| Domestic Collection Fee (incoming & outgoing) | $50 | Not stated | None |
| Foreign Check Clean Collection (plus foreign bank fees) | $50 | Not stated | None |
Account Services | |||
| Annual Rent for 10 x 10 | $105 | per year | None |
| Annual Rent for 2 x 5 | $20 | per year | None |
| Annual Rent for 3 x 10 | $55 | per year | None |
| Annual Rent for 3 x 5 | $30 | per year | None |
| Annual Rent for 5 x 5 | $45 | per year | None |
| Safe Deposit Box | $75 | per year | None |
| Safe Deposit Box Drilling Fees | $50Not compared: Box drilling or key fee | Not stated | None |
| Garnishment Response | $100 | Not stated | None |
Other Fees | |||
| Additional check fee | $1 | 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.
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 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
We check once a day and send one email covering every change.