18 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 12, 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 12, 2026
Call-report figures are for West Plains Bank and Trust Company 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. | West Plains Bank and Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Oct 12, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $396K in Q2 2026, 9.7% above the same quarter a year earlier ($361K).
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
Account Requirements
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 1.3% from Q3 2025 to Q2 2026, to $396K.
$396K
West Plains Bank and Trust CompanyMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
West Plains Bank and Trust Company · $768M 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 |
|---|---|---|---|---|---|---|---|
| West Plains Bank and Trust Company(this institution) | West Plains, MO | $768M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BAC Community Bank | 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 |
| City State Bank | Norwalk, IA | $788M | Publishes Monthly maintenance | 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 National Community Bank | Chatsworth, GA | $755M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Savings Bank of Hegewisch | Chicago, IL | $787M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| Franklin Savings Bank | Farmington, ME | $787M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Harford Bank | Aberdeen, MD | $777M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | 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 |
| 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 |
| Quontic Bank | Astoria, NY | $787M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sauk Valley Bank & Trust Company | Sterling, IL | $791M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 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 |
✓ 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 $6, against a peer median of $9.48 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 Nov 3, 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 3, 2026. Total assets from FDIC and NCUA records.
Call reports for West Plains Bank and Trust Company (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 | $396K | +$18K | +4.8% |
| Q1 2026 | $378K | −$10K | −2.6% |
| Q4 2025 | $388K | −$3K | −0.8% |
| Q3 2025 | $391K | +$30K | +8.3% |
| Q2 2025 | $361K | −$9K | −2.4% |
| Q1 2025 | $370K | −$26K | −6.6% |
| Q4 2024 | $396K | −$9K | −2.2% |
| Q3 2024 | $405K | +$34K | +9.2% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from West Plains Bank and Trust Company’s own schedules, with a source for each figure.
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $6 | per month | None |
| Early Account Closure Fee (First 90 Days) | $25 | Not stated | None |
| Dormant Account Fee | $5 | per month | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft – each Item Paid | $29 | per item | None |
| Nonsufficient Funds (NSF) | $29 | per item | None |
| Overdraft Protection Transfer | $4 | Not stated | None |
ATM & Card | |||
| Foreign ATM (not owned by WPB&TC) | No charge | Not stated | None |
| ATM Card or Debit Card (replacement) | $10 | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfers: Outgoing (customer only) | $20 | Not stated | None |
| Domestic Wire Transfers: Incoming (customer only) | $10 | Not stated | None |
| International Wire Transfers: Outgoing (customer only) | $60 | Not stated | None |
Check Services | |||
| Cashier’s Checks (Customer Only) | $5 | Not stated | None |
| Stop Payments – each item | $29 | per item | None |
| Collection Item (Incoming or Outgoing) | $15 | Not stated | None |
| Foreign Item Collection Fee | $25 | Not stated | None |
Cash & Deposit | |||
| Coin Counting (Non-Customer or Business) (audience not stated, treated as personal) | 1%($5 minimum) | Not stated | None |
| Deposited Items Returned Unpaid | $5 | per item | None |
Account Services | |||
| Notary Public Service (Customer Only) | No charge | Not stated | None |
| Safe Deposit Box 10x10 | $115 | Not stated | None |
| Safe Deposit Box 3x10 | $40 | Not stated | None |
| Safe Deposit Box 3x5 | $20 | Not stated | None |
| Safe Deposit Box 5x10 | $65 | Not stated | None |
| Safe Deposit Box 5x5 | $30 | Not stated | None |
| Garnishment/Levies (per garnishment or levy) | $50 | 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 12, 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.
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