17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 15, 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 15, 2026
Call-report figures are for West Point 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. | West Point Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $57K in Q2 2026, 1.7% below the same quarter a year earlier ($58K).
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
Compared at $5, the middle of its prices
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 Kentucky, 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 fell 12% from Q3 2025 to Q2 2026, to $57K.
$57K
West Point BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
West Point Bank · $561M 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 |
|---|---|---|---|---|---|---|---|
| West Point Bank(this institution) | Radcliff, KY | $561M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Baraboo State Bank | Baraboo, WI | $570M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Belgrade State Bank | Belgrade, MO | $548M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central State Bank | State Center, IA | $558M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Century Bank | Lucedale, MS | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Bank of Kansas | Kingman, KS | $548M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens' Bank & Trust Co. | Van Buren, AR | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Commercial Bank | Ithaca, MI | $553M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eastern Michigan Bank | Croswell, MI | $554M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Bank | Baldwyn, MS | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers Bank of Northern Missouri | Unionville, MO | $567M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank | McComb, MS | $563M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Commercial Bank, National Association | Seguin, TX | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Home Federal Savings and Loan Association of Grand Island | Grand Island, NE | $563M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hyperion Bank | Philadelphia, PA | $570M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| International Bank of Commerce | Zapata, TX | $568M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mound City Bank | Platteville, WI | $551M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mountain Valley Bank | Walden, CO | $557M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nebraska Bank | Dodge, NE | $552M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Northwestern Mutual Wealth Management | Milwaukee, WI | $558M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Portage Community Bank | Ravenna, OH | $552M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Redwood Capital Bank | Eureka, CA | $566M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Silver Lake Bank | Topeka, KS | $548M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Cooperative Bank | Roslindale, MA | $548M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The National Bank of Middlebury | Middlebury, VT | $554M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Mississippi Bank | Natchez, MS | $561M | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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
Compared at $5, the middle of its three prices, against a peer median of $7.74 among 16 publishing peers.
Its three checking prices are $3, $5 and $10.
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 West Point 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 | $57K | +$1K | +1.8% |
| Q1 2026 | $56K | −$10K | −15.2% |
| Q4 2025 | $66K | +$1K | +1.5% |
| Q3 2025 | $65K | +$7K | +12.1% |
| Q2 2025 | $58K | +$5K | +9.4% |
| Q1 2025 | $53K | −$5K | −8.6% |
| Q4 2024 | $58K | +$2K | +3.6% |
| Q3 2024 | $56K | −$4K | −6.7% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from West Point Bank’s own schedules, with a source for each figure.
per month
per month
per month
per month
per month
per hour
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Now Account Service charge | $10 | per month | None |
| Premium Checking Monthly service charge | $5 | per month | None |
| Service charge | $3 | per month | None |
| Service charge (daily balance on any day of the month falls below $25,000.00) | $25 | per month | None |
| Dormant Fee (Checking Accounts Only, Monthly Fee) | $10 | per month | None |
| Account Record Research Fee; research charge (per hour-one hour minimum; this fee is in addition to the per item charge) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Item Charge (per item) | $26.50 | per item | None |
| Return Item Charge (per item) | $26.50 | per item | None |
| Daily Overdraft Charge; (All Checking Accounts) | $6 | per day | None |
ATM & Card | |||
| ATM Service Charge (transactions not at West Point Bank or affiliates) | $1.50 | Not stated | None |
| ATM/Debit Card Replacement Fee | $12 | Not stated | None |
| ATM/Debit Card -International (audience not stated, treated as personal) | 1% | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee Outgoing- Domestic (Customer Only) | $20 | Not stated | None |
| Wire Transfer Fee Outgoing- International (Customer Only) | $50 | Not stated | None |
Check Services | |||
| Cashier's Check - (Customer Only) | $2 | Not stated | None |
| Stop Payment Charge (if amount, payee and check number given) | $25 | Not stated | None |
| Stop Payment Charge (incomplete information) | $50 | Not stated | None |
| Counter Check Fee (Per Printed Page) | $1 | Not stated | None |
Digital & Electronic | |||
| Online Banking and Bill Payment | No charge | Not stated | None |
Account Services | |||
| Notary Service | No charge | Not stated | None |
| Drill and Replace lock on Safe Deposit Box/Self-Storage Box | $50Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box fee (annually) 10X10 | $50 | per year | None |
| Safe Deposit Box fee (annually) 3X10 | $24 | per year | None |
| Safe Deposit Box fee (annually) 3X5 | $12 | per year | None |
| Safe Deposit Box fee (annually) 5X10 | $30 | per year | None |
| Safe Deposit Box fee (annually) 5X5 | $15 | per year | None |
| Safe Deposit Box/Self-Storage Box; Lost Key(1) | $10Not compared: Box drilling or key fee | Not stated | None |
| Self-Storage Box 3X10 (annually)-Elizabethtown Branch Only | $24 | per year | None |
| Tax Levy/Garnishment Fee (amount determined by levy/garnishment- maximum of $75.00) | $75 | 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
Oct 15, 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
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