Compared with Ohio
2 of 11
compared fees are above the median.
9 below, 0 about the same.
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
26th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Ohio median
of 11 compared; 9 below, 0 about the same
See the feesFee schedule read Oct 12, 2026
Call-report figures are for The St. Henry 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 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 Ohio median | Published fees above the Ohio median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The St. Henry Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 12, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.3% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (26th 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 $59K in Q2 2026, 11% above the same quarter a year earlier ($53K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 11 compared published fees sit above the Ohio median; 9 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 Ohio medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
Everyday Busy Account
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 5.4% from Q3 2025 to Q2 2026, to $59K. Its share of revenue, 1.3%, is below the 2.1% median for banks with $300M to $1B in assets.
$59K
The St. Henry BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
The St. Henry Bank · $436M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The St. Henry Bank(this institution) | St. Henry, OH | $436M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American National Bank - Fox Cities | Appleton, WI | $433M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of the Lowcountry | Walterboro, SC | $430M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Better Banks | Peoria, IL | $446M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Centinel Bank of Taos | Taos, NM | $425M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coffee County Bank | Manchester, TN | $428M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Exchange Bank and Trust Company | Perry, OK | $429M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| First State Bank | Buxton, ND | $424M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Foresight Bank | Plainview, MN | $434M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Frontier Bank | Lamar, CO | $436M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Heritage Bank of the Ozarks | Lebanon, MO | $424M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Home Bank SB | Martinsville, IN | $433M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Honor Bank | Honor, MI | $443M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| JONES BANK | Seward, NE | $441M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Morgantown Bank & Trust Company, Incorporated | Morgantown, KY | $440M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| NobleBank & Trust | Anniston, AL | $444M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Valley Bank | Zanesville, OH | $427M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oostburg State Bank | Oostburg, WI | $440M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| River City Bank | Rome, GA | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| RiverHills Bank | Vicksburg, MS | $445M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Spring Bank | Brookfield, WI | $441M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sugar River Bank | Newport, NH | $424M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Bank of Clovis | Clovis, NM | $438M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The National Grand Bank of Marblehead | Marblehead, MA | $445M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Town & Country Bank and Trust Company | Bardstown, KY | $434M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Winnsboro State Bank & Trust Company | Winnsboro, LA | $426M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $6, against a peer median of $6.95 among 11 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 The St. Henry 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 | $59K | +$6K | +11.3% |
| Q1 2026 | $53K | −$7K | −11.7% |
| Q4 2025 | $60K | +$4K | +7.1% |
| Q3 2025 | $56K | +$3K | +5.7% |
| Q2 2025 | $53K | +$3K | +6.0% |
| Q1 2025 | $50K | −$4K | −7.4% |
| Q4 2024 | $54K | −$1K | −1.8% |
| Q3 2024 | $55K | +$5K | +10.0% |
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, The St. Henry Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The St. Henry Bank by share.
Amounts from The St. Henry Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge Fees | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft (Each debit or check unpaid) | $22Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfers Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Foreign Wire Transfers | $75Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $2.50Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $2.50Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments (Bill Pay) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payments (checks) | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay | $4.95Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Deposited Check (+ other items) Returned Unpaid | $9Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Other Fees | |||
| Photocopies | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 12, 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 The St. Henry Bank operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $384.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $384.5M |
Largest competitors nearby
Local market: Mercer county, OH, where it holds the most deposits.
| 9 in its local market | Deposit share |
|---|---|
| The Peoples Bank Co. | 34.4% |
| First Financial Bank | 21.6% |
| The Park National Bank | 7.7% |
| Mercer Savings Bank | 5.8% |
| The Citizens National Bank of Bluffton | 4.9% |
This bank holds 18.9% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
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 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.