Compared with West Virginia
12 of 15
compared fees are above the median.
1 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
84th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the West Virginia median
of 15 compared; 1 below, 2 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Pendleton Community Bank, Inc. 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 West Virginia median | Published fees above the West Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Pendleton Community Bank, Inc.'s published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.5% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (84th 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 $449K in Q2 2026, 11% above the same quarter a year earlier ($403K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
12 of 15 compared published fees sit above the West Virginia median; 1 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 West Virginia medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for West Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 4.2% from Q3 2025 to Q2 2026, to $449K. Its share of revenue, 4.5%, is above the 2.1% median for banks with $300M to $1B in assets.
$449K
Pendleton Community Bank, Inc.Median
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. *Non-network ATM: Listed at $1 to $2; we compare the midpoint.
Pendleton Community Bank, Inc. · $850M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Pendleton Community Bank, Inc.(this institution) | Franklin, WV | $850M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| 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 |
| BayVanguard Bank | Baltimore, MD | $869M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bogota Savings Bank | Teaneck, NJ | $872M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Falcon National Bank | Foley, MN | $872M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Focus Bank | Charleston, MO | $854M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Harmony Bank | Dallas, TX | $855M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hawaii National Bank | Honolulu, HI | $872M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | 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 |
| Legacy Bank | Colwich, KS | $865M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Liberty Bank for Savings | Chicago, IL | $869M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Northeast Bank | Minneapolis, MN | $837M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| 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 |
| Savings Bank of Walpole | Walpole, NH | $858M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas National Bank of Jacksonville | Jacksonville, TX | $852M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | 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 |
| Unified Bank | Martins Ferry, OH | $872M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $21, against a peer median of $8 among 16 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 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 Pendleton Community Bank, Inc. (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 | $449K | +$28K | +6.7% |
| Q1 2026 | $421K | −$30K | −6.7% |
| Q4 2025 | $451K | +$20K | +4.6% |
| Q3 2025 | $431K | +$28K | +6.9% |
| Q2 2025 | $403K | +$2K | +0.5% |
| Q1 2025 | $401K | −$22K | −5.2% |
| Q4 2024 | $423K | −$13K | −3.0% |
| Q3 2024 | $436K | +$52K | +13.5% |
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, Pendleton Community Bank, Inc. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Pendleton Community Bank, Inc. by share.
Amounts from Pendleton Community Bank, Inc.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour · Research per hour (1 hour minimum) | $30.00
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Service charge | $21Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Early Closing (within 90 days of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (per month; inactivity of at least 2 years) | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research per hour (1 hour minimum) | $30Not compared: Charged per hour; comparison unavailable | per hour | Research per hour (1 hour minimum) | $30.00 |
| Paper Statement Fee | $4Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft/NSF Paid Fee Per Item | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft/NSF Return Fee Per Item | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Foreign Balance Inquiries and Transfers | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Foreign Transaction Fee | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Outgoing Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer - Outgoing Foreign | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers Checks | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $6Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments/Special Instructions | $40Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Foreign Check Collection Fee | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box Drilling and Lock Replacement | $175Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Lost Key | $50Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Payment Late Charge | $15Not compared: Box drilling or key fee | Not stated | None |
| Garnishments, Executions or Levies | $150Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Nov 1, 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 Pendleton Community Bank, Inc. operates, and what regulators and customers have on file.
Branch footprint
15 offices in 2 states, $718.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 6 | $363.6M |
| 4 | $196.4M | |
| 3 | $137.2M | |
| 2 | $21.4M |
Harrisonburg, VA
5.6% of bank deposits, #7 of 15, up 1.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Farmers & Merchants Bank | 26.2% |
| Truist Bank | 19.6% |
| Wells Fargo Bank, National Association | 12.3% |
| United Bank | 8.9% |
| The First Bank and Trust Company | 7.1% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Harrisonburg, VA, Pendleton Community Bank, Inc. holds 5.6% of bank deposits, #7 of 15, with 4 offices.
52 offices of 22 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.
8 of 15 institutions shown. $3.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 5.6% share, 4 offices, #7 of 15
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
15 offices of 7 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.