Compared with Indiana
11 of 21
compared fees are above the median.
4 below, 6 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
67th percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the Indiana median
of 21 compared; 4 below, 6 about the same
See the feesFee schedule read Oct 16, 2026
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) One quarter, as reported. Median and percentile from each of 95 banks with $10B to $50B 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 Indiana median | Published fees above the Indiana 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
Service charges were 3.6% of revenue, above the 2.9% median of 95 banks with $10B to $50B in assets (67th 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 $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.
11 of 21 compared published fees sit above the Indiana 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 Indiana medians for fees published by banks and credit unions.
Monthly Maintenance
Connect Checking
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income fell 7.1% from Q3 2025 to Q2 2026, to $3.7M. Its share of revenue, 3.6%, is above the 2.9% median for banks with $10B to $50B in assets.
$3.7M
Centier BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 95 banks with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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 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 Centier 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 | $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% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, Centier Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Centier Bank by share.
Amounts from Centier Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per hour
per item
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee (Connect Checking) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Fee - Paid Item | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Return Item Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Surcharge | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ATM/Debit Card Rush Order (2 Days) | $50Inside the U.S. middle 50% ($30 to $50 nationally) | 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) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (Foreign) | $30Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check - sold to clients only | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order - sold to clients only | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Check | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| On-Us Check Cashing Fee – non-Clients | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Item | $45Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Foreign Check Collection | $95Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counting | No chargeInside the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Chargeback Fee | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Night Deposit Key Replacement | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Notary Fee – available to clients only | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Late Payment fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Levy Fee | $100Above the U.S. middle 50% ($30 to $85 nationally) | 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 | $3.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | 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
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.
Where Centier Bank operates, and what regulators and customers have on file.
Branch footprint
63 offices in 1 state, $8.8B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 34 | $7.1B | |
| 11 | $648.0M | |
| 5 | $374.6M | |
| 4 | $209.5M | |
| 4 | $129.5M | |
| 2 | $121.5M | |
| 2 | $93.4M | |
| Outside a metro area | 1 | $90.2M |
Chicago-Naperville-Elgin, IL-IN
1.1% of bank deposits, #15 of 147, up 0.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 20.4% |
| BMO Bank National Association | 16.9% |
| CIBC Bank USA | 7.8% |
| Bank of America, National Association | 6.6% |
| The Northern Trust Company | 6.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Chicago-Naperville-Elgin, IL-IN, Centier Bank holds 1.1% of bank deposits, #15 of 147, with 34 offices.
900 offices of 25 institutions shown.
Showing 900 of 2,460 offices: the largest institutions' offices, with banks and credit unions in proportion.
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 147 institutions shown. $630.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.1% share, 34 offices, #15 of 147
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
357 offices of 133 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.