Fees from its schedule are under review and appear here once review is done.
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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
15th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Nov 3, 2026
Call-report figures are for Alva State Bank & 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) 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 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. | Alva State Bank & Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.9% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (15th 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 $41K in Q2 2026, 6.8% below the same quarter a year earlier ($44K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Alva State Bank & 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 | $41K | +$1K | +2.5% |
| Q1 2026 | $40K | −$3K | −7.0% |
| Q4 2025 | $43K | −$4K | −8.5% |
| Q3 2025 | $47K | +$3K | +6.8% |
| Q2 2025 | $44K | +$5K | +12.8% |
| Q1 2025 | $39K | −$7K | −15.2% |
| Q4 2024 | $46K | −$1K | −2.1% |
| Q3 2024 | $47K | $0 | 0.0% |
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, Alva State Bank & Trust Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Alva State Bank & Trust Company by share.
They stay out of every comparison until review is done.
per item
per month
per statement
per item
per item
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Overdraft & NSFUnder review | |||
| Overdraft (OD)/Nonsufficient Funds (NSF) Item (audience not stated, treated as personal) | $25 | per item | None |
Wire TransfersUnder review | |||
| Wire Fee: Incoming (audience not stated, treated as personal) | No charge | Not stated | None |
Check ServicesUnder review | |||
| Money Order Fee (audience not stated, treated as personal) | $1 | Not stated | None |
| Stop Payment Fee (audience not stated, treated as personal) | $15 | per item | None |
| Temporary Checks (audience not stated, treated as personal) | $5 | Not stated | None |
Digital & ElectronicUnder review | |||
| Mobile Deposit (audience not stated, treated as personal) | $5Not compared: Monthly charge, not per item | per month | None |
Account ServicesUnder review | |||
| Safe Deposit Box Forced Entry (audience not stated, treated as personal) | $125Not compared: Box drilling or key fee | Not stated | None |
| Tax Levy Fee (audience not stated, treated as personal) | $35 | Not stated | None |
Other FeesUnder review | |||
| Statement Copy Fee (audience not stated, treated as personal) | $5Not compared: Charged per statement; comparison unavailable | per statement | None |
Other feesUnder review | |||
| Business ACH Payroll (audience not stated, treated as personal) | $5 | Not stated | None |
| Business Merchant Check Capture (audience not stated, treated as personal) | $5 | Not stated | None |
| Collections (audience not stated, treated as personal) | $15 | Not stated | None |
| Outgoing wire (audience not stated, treated as personal) | $15 | per item | None |
| Overdraft (OD)/Nonsufficient Funds (NSF) Item (audience not stated, treated as personal) | $25 | per item | None |
| Safe Deposit Box Rent (audience not stated, treated as personal) | $9 | per year | None |
| Stop Payment Fee (audience not stated, treated as personal) | $15 | per item | None |
| Tax Levy Fee (audience not stated, treated as personal) | $35 | Not stated | None |
| Wire Fee: Incoming (audience not stated, treated as personal) | No charge | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 3, 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 Alva State Bank & Trust Company operates, and what regulators and customers have on file.
Branch footprint
6 offices in 2 states, $505.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 5 | $453.4M |
| 1 | $52.4M |
Enid, OK
0.9% of bank deposits, #8 of 14, down 0.7 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Stride Bank, National Association | 79.6% |
| The Security National Bank of Enid | 6.3% |
| Cowboy Bank | 4.8% |
| InterBank | 2.4% |
| BOKF, National Association | 1.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Enid, OK, Alva State Bank & Trust Company holds 0.9% of bank deposits, #8 of 14, with 1 office.
25 offices of 16 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 14 institutions shown. $5.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2016 to 2026
June 2026: 0.9% share, 1 office, #8 of 14
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2016 to 2026.
Credit unions, reported separately
3 offices of 2 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
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows