11 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 9, 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 9, 2026
Call-report figures are for Putnam County 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. | Putnam County Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $4K in Q2 2026, 33% below the same quarter a year earlier ($6K).
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.
Overdraft (OD)
NSF / Returned Item
Compared at $20, the middle of its prices
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
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 fell 33% from Q3 2025 to Q2 2026, to $4K.
$4K
Putnam County BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Putnam County Bank · $704M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Putnam County Bank(this institution) | Hurricane, WV | $704M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Albany Bank and Trust Company National Association | Chicago, IL | $722M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Artisans' Bank | Wilmington, DE | $718M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Luxemburg | Luxemburg, WI | $723M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| BankOrion | Orion, IL | $688M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital Bank | Jacinto City, TX | $690M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens National Bank | Cameron, TX | $692M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eagle Bank | Everett, MA | $709M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Bank | Burkburnett, TX | $704M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Community Bank of Central Alabama | Wetumpka, AL | $694M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings Bank | Rochester, IN | $687M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First State Bank of Livingston | Livingston, TX | $689M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Florida Capital Bank, National Association | Jacksonville, FL | $713M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Geddes Federal Savings and Loan Association | Syracuse, NY | $686M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hickory Point Bank and Trust | Decatur, IL | $718M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Legacy Bank | Hinton, OK | $686M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Pilgrim Bank | Pittsburg, TX | $715M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pioneer Trust Bank, National Association | Salem, OR | $713M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Prospect Bank | Paris, IL | $716M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Citizens National Bank of Somerset | Somerset, KY | $701M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Eastern Colorado Bank | Cheyenne Wells, CO | $721M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Sonora | Sonora, TX | $722M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Time Bank | Park Ridge, IL | $713M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Union Bank | Mena, AR | $710M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Union State Bank | Arkansas City, KS | $719M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Yampa Valley Bank | Steamboat Springs, CO | $688M | Monthly maintenance not published | Out-of-network ATM not published | 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
The peer median is $7.50 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 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Putnam County Bank does not publish a monthly maintenance fee, so it is not on this chart.
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 Putnam County 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 | $4K | +$1K | +33.3% |
| Q1 2026 | $3K | −$2K | −40.0% |
| Q4 2025 | $5K | −$1K | −16.7% |
| Q3 2025 | $6K | $0 | 0.0% |
| Q2 2025 | $6K | −$1K | −14.3% |
| Q1 2025 | $7K | −$1K | −12.5% |
| Q4 2024 | $8K | −$2K | −20.0% |
| Q3 2024 | $10K | +$4K | +66.7% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Putnam County Bank’s own schedules, with a source for each figure.
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Low Balance Fee | $2 | per month | None |
| Dormant Charge | $5 | per month | None |
| Reconcilement Fee (1 hour minimum) | $11 | Not stated | None |
| Research Fee (3hour minimum and 25 cents per copy fee) | $11 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee | $10 | per item | None |
| Bill Payment NSF Fee | $30 | per item | None |
| NSF Fee | $10 | per item | None |
ATM & Card | |||
| Replace Lost ATM/Visa Card | $5 | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer Fee | $15 | Not stated | None |
| Outgoing International Wire Transfer Fee | $25 | Not stated | None |
Check Services | |||
| Cashiers Check (per check fee) | $1 | per item | None |
| ACH Stop Pay Fee | $10 | Not stated | None |
| Stop Pay Fee (charged per item for a stop payment order) | $10 | per item | None |
Account Services | |||
| Safe Deposit Drill Fee | $60Not compared: Box drilling or key fee | Not stated | None |
Other Fees | |||
| Fax Back Statement Charge | $1 | Not stated | None |
per month · Charged monthly if account balance falls below $500 on any day of the month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Low Balance Fee (Business Interest Checking, and Super Now Account) | $5 | per month | Charged monthly if account balance falls below $500 on any day of the month |
Oct 9, 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 Putnam County Bank operates, and what regulators and customers have on file.
In Huntington-Ashland, WV-KY-OH, Putnam County Bank holds 7.7% of bank deposits, #3 of 26, with 5 offices.
142 offices of 44 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 26 institutions shown. $8.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 7.7% share, 5 offices, #3 of 26
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
47 offices of 21 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
1 past action
Past
Federal Reserve · Order
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.