Compared with California
12 of 18
compared fees are above the median.
4 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
87th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the California median
of 18 compared; 4 below, 2 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for BAC Community 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 California median | Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | BAC Community Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.9% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (87th 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 $356K in Q2 2026, 0.6% below the same quarter a year earlier ($358K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
12 of 18 compared published fees sit above the California median; 4 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 California medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $12, the middle of its prices
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for California, 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 rose 2.9% from Q3 2025 to Q2 2026, to $356K. Its share of revenue, 4.9%, is above the 2.1% median for banks with $300M to $1B in assets.
$356K
BAC Community 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 $35; we compare the midpoint.
BAC Community Bank · $762M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| BAC Community Bank(this institution) | Stockton, CA | $762M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Prairie du Sac | Prairie du Sac, WI | $745M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| CFSBANK | Charleroi, PA | $773M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Clinton Savings Bank | Clinton, MA | $745M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Commerce Bank | Laredo, TX | $762M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank | Waverly, IA | $740M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Community Bank | Chatsworth, GA | $755M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FM Bank | Waseca, MN | $738M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FNB Bank, Inc. | Mayfield, KY | $770M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Harford Bank | Aberdeen, MD | $777M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Home State Bank, National Association | Crystal Lake, IL | $776M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Industrial Bank | Washington, DC | $774M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Itasca Bank & Trust Co. | Itasca, IL | $771M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lea County State Bank | Hobbs, NM | $738M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Manufacturers Bank & Trust Company | Forest City, IA | $738M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| MidSouth Bank | Dothan, AL | $771M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Midwest Heritage Bank, FSB | West Des Moines, IA | $768M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Millennium Bank | Ooltewah, TN | $781M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mission Valley Bank | Sun Valley, CA | $782M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| People's Bank of Commerce | Medford, OR | $777M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Savers Co-operative Bank | Southbridge, MA | $783M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Bank of Canton | Canton, MA | $783M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The National Capital Bank of Washington | Washington, DC | $742M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Peoples Bank, Biloxi, Mississippi | Biloxi, MS | $771M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Valley Bank | Cavalier, ND | $752M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| West Plains Bank and Trust Company | West Plains, MO | $768M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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
Compared at $12, the middle of its eight prices, against a peer median of $7.50 among 16 publishing peers.
Its eight checking prices are $5, $7.50, $10, $11, $12, $15, $22 and $25.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for BAC Community 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 | $356K | +$7K | +2.0% |
| Q1 2026 | $349K | +$9K | +2.6% |
| Q4 2025 | $340K | −$6K | −1.7% |
| Q3 2025 | $346K | −$12K | −3.4% |
| Q2 2025 | $358K | +$13K | +3.8% |
| Q1 2025 | $345K | −$6K | −1.7% |
| Q4 2024 | $351K | +$3K | +0.9% |
| Q3 2024 | $348K | −$14K | −3.9% |
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, BAC Community Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to BAC Community Bank by share.
Amounts from BAC Community Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per month
per month
per month
per month
per item
per item
per item
per item
per item
per item
per item
per item
per month
per item
per item · if available for specified payee
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Fee | $35Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $22Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Select Interest Checking Monthly service charge | $11Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Fee | $33Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Transfer Fee | $8Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Replacement Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire, Outgoing-Domestic | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Domestic Wire Transfers: Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire, Outgoing-Foreign | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check | $9Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Online Bill Pay Stop Payment | $33Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Zelle® Stop Payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks First 6 per year free; thereafter | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing, Non-Customer | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy – Archived Paid Check (front and back) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH File | $2Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| ACH Origination | $35Not compared: Monthly charge, not per item | per month | None |
| Online Bill Pay | $33Not compared: Per-item charge, not monthly | per item | None |
| Online Bill Pay Rush Payment | $14.95Not compared: Per-occurrence charge, not monthly | per item | if available for specified payee |
| Online Bill Pay Rush Payment, if available for specified payee | $14.95Not compared: Per-item charge, not monthly | per item | None |
| Online Bill Pay Same Day Check, if available for specified payee | $9.95Not compared: Per-item charge, not monthly | per item | None |
| Zelle® | $15Not compared: Per-item charge, not monthly | per item | None |
Cash & Deposit | |||
| Returned Item Fee | $33Above the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Notary | $15Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Late Fee, after 30 days delinquent | $10Not compared: Box drilling or key fee | Not stated | None |
| Legal Process Fee | $125Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
Other Fees | |||
| Fax Service | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 10, 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 BAC Community Bank operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state, $673.0M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $434.0M | |
| 4 | $198.9M | |
| 1 | $40.1M |
Stockton-Lodi, CA
2.8% of bank deposits, #10 of 15, down 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 18.3% |
| Bank of America, National Association | 15.8% |
| Bank of Stockton | 15% |
| Farmers & Merchants Bank of Central California | 14.1% |
| JPMorgan Chase Bank, National Association | 13.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Stockton-Lodi, CA, BAC Community Bank holds 2.8% of bank deposits, #10 of 15, with 3 offices.
The fee comparison uses its home metro, San Francisco-Oakland-Fremont, CA.
110 offices of 25 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 15 institutions shown. $15.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 2.8% share, 3 offices, #10 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
23 offices of 10 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.