Centier Bank

Headquarters: Whiting, Indiana
Charter: Bank
Assets: $10.4B
Fed district: Chicago
Regulator: FDIC
Holding company: First Bancshares Inc.

22 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 16, 2026.

Overview

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 16, 2026

How these figures are measured

Call-report figures are for Centier 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.	Centier Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 16, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Centier Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $3.7M in Q2 2026, about level with the same quarter a year earlier ($3.7M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Connect Checking
Centier Bank: $2
Centier Bank: $2
U.S. median: no median
Overdraft (OD)
Centier Bank: $35
Centier Bank: $35
U.S. median: no median
NSF / Returned Item
Centier Bank: $35
Centier Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Indiana: Banks and credit unions headquartered in Indiana that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 7.1% from Q3 2025 to Q2 2026, to $3.7M.

Service-charge income, Q2 2026

$3.7M

$4.0MQ3 2025

$3.8MQ4 2025

$3.5MQ1 2026

$3.7MQ2 2026

Against the median

Centier BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Centier Bank · $10.4B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Banks only
$8.8B to $11.8B in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Centier Bank(this institution)	Whiting, IN	$10.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1st Source Bank	South Bend, IN	$9.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Amalgamated Bank	New York, NY	$9.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Amarillo National Bank	Amarillo, TX	$10.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Amerant Bank, National Association	Coral Gables, FL	$10.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
American Savings Bank, National Association	Honolulu, HI	$9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
b1BANK	Baton Rouge, LA	$8.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Beal Bank USA	Las Vegas, NV	$11B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Burke & Herbert Bank & Trust Company	Alexandria, VA	$11B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Byline Bank	Chicago, IL	$9.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Capitol Federal Savings Bank	Topeka, KS	$9.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Farmers and Merchants Bank of Long Beach	Long Beach, CA	$11.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
International Bank of Commerce	Laredo, TX	$10.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Liberty Bank	Middletown, CT	$9.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Origin Bank	Choudrant, LA	$10.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples Bank	Marietta, OH	$9.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pinnacle Bank	Lincoln, NE	$9.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Principal Bank	Des Moines, IA	$9.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
RBC Bank, (Georgia) National Association	Atlanta, GA	$9.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
S&T Bank	Indiana, PA	$9.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Salem Five Cents Savings Bank	Salem, MA	$8.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Stock Yards Bank & Trust Company	Louisville, KY	$10.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tompkins Community Bank	Ithaca, NY	$8.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tri Counties Bank	Chico, CA	$9.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Washington Trust Bank	Spokane, WA	$10.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Woodforest National Bank	The Woodlands, TX	$9B	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 · 19 publish this fee(monthly maintenance)

6 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $9 (82%) below the median of similar-sized banks.

Its published price is $2, against a peer median of $11 among 19 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 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Centier BankPeer (equal prices stack)Peer median

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 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Centier Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $3.7M
vs prior quarter: +$195K+5.6%; from Q1 2026
vs a year earlier: −$8K−0.2%; from Q2 2025
vs start of range: −$155K−4.0%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Centier Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$3.7M	+$195K	+5.6%
Q1 2026	$3.5M	−$276K	−7.3%
Q4 2025	$3.8M	−$204K	−5.1%
Q3 2025	$4.0M	+$277K	+7.5%
Q2 2025	$3.7M	+$150K	+4.2%
Q1 2025	$3.6M	−$327K	−8.4%
Q4 2024	$3.9M	+$30K	+0.8%
Q3 2024	$3.9M	+$250K	+6.9%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Centier Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee (Connect Checking)$2
per month
Dormant Account Fee$5
per month
Account Research$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee - Paid Item$35
Return Item Fee$35

ATM & Card

ATM Surcharge$2.50
ATM/Debit Card Replacement$10
ATM/Debit Card Rush Order (2 Days)$50
Currency Conversion and International (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfer (Domestic)$30
Wire Transfer (Foreign)$30

Check Services

Official Check - sold to clients only$5
Money Order - sold to clients only$3
Stop Payment Fee$35
per item
Counter Check$2
per item
On-Us Check Cashing Fee – non-Clients$5
Collection Item$45
Foreign Check Collection$95

Cash & Deposit

Coin CountingNo charge
Chargeback Fee$10
Night Deposit Key Replacement$5

Account Services

Notary Fee – available to clients onlyNo charge
Late Payment fee$10
Not compared: Box drilling or key fee
Safe Deposit Box$125
Levy Fee$100
Subpoena Fee$35
Not compared: Charged per hour; comparison unavailable
per hour

Gift & Prepaid Cards

Visa Gift Card – sold to clients only$3.95
per item

Other Fees

Photocopies$0.50
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee (Connect Checking)	$2	per month	None
Dormant Account Fee	$5	per month	None
Account Research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee - Paid Item	$35	Not stated	None
Return Item Fee	$35	Not stated	None
ATM & Card
ATM Surcharge	$2.50	Not stated	None
ATM/Debit Card Replacement	$10	Not stated	None
ATM/Debit Card Rush Order (2 Days)	$50	Not stated	None
Currency Conversion and International (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer (Domestic)	$30	Not stated	None
Wire Transfer (Foreign)	$30	Not stated	None
Check Services
Official Check - sold to clients only	$5	Not stated	None
Money Order - sold to clients only	$3	Not stated	None
Stop Payment Fee	$35	per item	None
Counter Check	$2	per item	None
On-Us Check Cashing Fee – non-Clients	$5	Not stated	None
Collection Item	$45	Not stated	None
Foreign Check Collection	$95	Not stated	None
Cash & Deposit
Coin Counting	No charge	Not stated	None
Chargeback Fee	$10	Not stated	None
Night Deposit Key Replacement	$5	Not stated	None
Account Services
Notary Fee – available to clients only	No charge	Not stated	None
Late Payment fee	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$125	Not stated	None
Levy Fee	$100	Not stated	None
Subpoena Fee	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Gift & Prepaid Cards
Visa Gift Card – sold to clients only	$3.95	per item	None
Other Fees
Photocopies	$0.50Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 16, 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.

Fee change alerts

Get an email when Centier Bank's nsf / returned item changes in our data

We check once a day and send one email covering every change.