Bank of the West

Headquarters: Grapevine, Texas
Charter: Bank
Assets: $829.8M
Fed district: Dallas
Regulator: FDIC
Holding company: Greater Sw Bancshares Inc.

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

Source: its fee schedule, read Nov 4, 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 4, 2026

How these figures are measured

Call-report figures are for Bank of the West 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.	Bank of the West's published fee schedule; Bank Fee Index medians	Current schedule	Nov 4, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Bank of the West (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 $163K in Q2 2026, 7.9% below the same quarter a year earlier ($177K).
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.

Monthly Maintenance
Bank of the West: $10
Bank of the West: $10
U.S. median: no median
Overdraft (OD)
Bank of the West: $35
Bank of the West: $35
U.S. median: no median
Paper Statement
Leaves out 1 fee charged on a different basis filed under this fee.
Bank of the West: $5
Bank of the West: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas 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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 fell 8.9% from Q3 2025 to Q2 2026, to $163K.

Service-charge income, Q2 2026

$163K

$179KQ3 2025

$167KQ4 2025

$160KQ1 2026

$163KQ2 2026

Against the median

Bank of the WestMedian

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

Bank of the West · $830M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$811M to $846M in assets
Headquartered in 19 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
Bank of the West(this institution)	Grapevine, TX	$830M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
BankIowa	Cedar Rapids, IA	$846M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	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
Citizens Bank	Corvallis, OR	$823M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
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 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
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
The Old Fort Banking Company	Old Fort, OH	$844M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $2 (25%) above the median of similar-sized banks.

Compared at $10, the middle of its two prices, against a peer median of $8 among 14 publishing peers.

Its two checking prices are $10 and $10.

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

Bank of the West: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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.

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 Bank of the West (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: $163K
vs prior quarter: +$3K+1.9%; from Q1 2026
vs a year earlier: −$14K−7.9%; from Q2 2025
vs start of range: −$26K−13.8%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Bank of the West (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	$163K	+$3K	+1.9%
Q1 2026	$160K	−$7K	−4.2%
Q4 2025	$167K	−$12K	−6.7%
Q3 2025	$179K	+$2K	+1.1%
Q2 2025	$177K	−$7K	−3.8%
Q1 2025	$184K	−$1K	−0.5%
Q4 2024	$185K	−$4K	−2.1%
Q3 2024	$189K	+$5K	+2.7%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Bank of the West’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Charge$10
per month
Monthly Service Charge$10
per month
Monthly service charge (account balance drops below $1,000)$10
per month
Monthly service charge (account balance drops below $1,000)$10
per month
Monthly service charge (account balance drops below $100)$10
per month
Monthly service charge (account balance drops below $2,500)$15
per month
Monthly service charge (account balance drops below $2,500)$15
per month
Monthly service charge (account balance drops below $750)$10
per month
Service charge (account balance drops below $100)$5
Not compared: Quarterly charge, not monthly
per quarter
Service charge (account balance drops below $100)$5
Not compared: Quarterly charge, not monthly
per quarter
Service charge (account balance drops below $500)$5
Not compared: Quarterly charge, not monthly
per quarter
Service charge (account balance drops below $500)$5
Not compared: Quarterly charge, not monthly
per quarter
Monthly paper statement fee$5
per month
Quarterly paper statement fee$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Overdraft (OD)$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	$10	per month	None
Monthly Service Charge	$10	per month	None
Monthly service charge (account balance drops below $1,000)	$10	per month	None
Monthly service charge (account balance drops below $1,000)	$10	per month	None
Monthly service charge (account balance drops below $100)	$10	per month	None
Monthly service charge (account balance drops below $2,500)	$15	per month	None
Monthly service charge (account balance drops below $2,500)	$15	per month	None
Monthly service charge (account balance drops below $750)	$10	per month	None
Service charge (account balance drops below $100)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Service charge (account balance drops below $100)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Service charge (account balance drops below $500)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Service charge (account balance drops below $500)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Monthly paper statement fee	$5	per month	None
Quarterly paper statement fee	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Overdraft (OD)	$35	per item	None

Correct a fee source

Nov 4, 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.

Fee change alerts

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