Bank of Lexington, Inc.

Headquarters: Lexington, Kentucky
Charter: Bank
Assets: $410.8M
Fed district: Cleveland
Regulator: FDIC
Holding company: First Breckinridge Bancshares

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

Source: its fee schedule, read Oct 15, 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 15, 2026

How these figures are measured

Call-report figures are for Bank of Lexington, Inc. 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.	Bank of Lexington, Inc.'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

Details

Source: FFIEC call report (bulk data)
Entity: Bank of Lexington, Inc. (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 $19K in Q2 2026, 36% above the same quarter a year earlier ($14K).
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
Bank of Lexington, Inc.: $10
Bank of Lexington, Inc.: $10
U.S. median: no median
Overdraft (OD)
Bank of Lexington, Inc.: $35
Bank of Lexington, Inc.: $35
U.S. median: no median
NSF / Returned Item
Bank of Lexington, Inc.: $35
Bank of Lexington, Inc.: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the Cleveland 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).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 rose 36% from Q3 2025 to Q2 2026, to $19K.

Service-charge income, Q2 2026

$19K

$14KQ3 2025

$16KQ4 2025

$17KQ1 2026

$19KQ2 2026

Against the median

Bank of Lexington, Inc.Median

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

Bank of Lexington, Inc. · $411M 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
$400M to $419M 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
Bank of Lexington, Inc.(this institution)	Lexington, KY	$411M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Community Bank	Petersburg, IL	$414M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Frankewing	Frankewing, TN	$413M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bank of the Bluegrass and Trust Company	Lexington, KY	$407M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Zachary	Zachary, LA	$416M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Central State Bank	Coralville, IA	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Devon Bank	Chicago, IL	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers and Merchants Bank of South Carolina	Holly Hill, SC	$414M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers State Bank of Calhan	Calhan, CO	$416M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First Lockhart Bank	Lockhart, TX	$416M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First National Bank in DeRidder	DeRidder, LA	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank	Irvington, KY	$402M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Vision Bank of Tennessee	Tullahoma, TN	$414M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fleetwood Bank	Fleetwood, PA	$416M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
FORTE BANK	Hartford, WI	$404M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Founders Bank	Washington, DC	$406M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
GreenWay Bank	Van Wert, OH	$402M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heritage Bank & Trust	Columbia, TN	$418M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Kentland Bank	Kentland, IN	$419M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MA Bank	Macon, MO	$417M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pike National Bank	Mccomb, MS	$409M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sentry Bank	Saint Joseph, MN	$415M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
State Bank & Trust	Winfield, AL	$413M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Elmer	Elmer, NJ	$408M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Grant County Bank	Petersburg, WV	$407M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Security National Bank of Enid	Enid, OK	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ 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.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.52 (82%) above the median of similar-sized banks.

Its published price is $10, against a peer median of $5.48 among 16 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 Oct 17, 2026.

Monthly maintenance fee in dollars, one mark per institution

Bank of Lexington, Inc.Peer (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 Oct 17, 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 Bank of Lexington, Inc. (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: $19K
vs prior quarter: +$2K+11.8%; from Q1 2026
vs a year earlier: +$5K+35.7%; from Q2 2025
vs start of range: +$1K+5.6%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Bank of Lexington, Inc. (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	$19K	+$2K	+11.8%
Q1 2026	$17K	+$1K	+6.3%
Q4 2025	$16K	+$2K	+14.3%
Q3 2025	$14K	$0	0.0%
Q2 2025	$14K	−$1K	−6.7%
Q1 2025	$15K	−$1K	−6.3%
Q4 2024	$16K	−$2K	−11.1%
Q3 2024	$18K	$0	0.0%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Bank of Lexington, Inc.’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$10
per month
Quarterly fee (daily balance falls below $100)$5
Not compared: Quarterly charge, not monthly
per quarter
Early Closure of Deposit Account Within 6 Months of Opening$25
Dormant Account Status$5
per month
Research Fee (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Insufficient Funds (NSF) Item PAID$35
Insufficient Funds (NSF) Item RETURNED$35

ATM & Card

ATM- ForeignNo charge
ATM/Debit Card Replacement (first replacement card free)$10

Wire Transfers

Wire Transfer: Outgoing Domestic$25
Wire Transfer Incoming$5
Wire Transfer: Outgoing Foreign$50

Check Services

Cashier's Check$7
Stop Payment (each)$35
per item
Counter Checks (per page (4 checks to a page)after initial 24 free starter checks)$1
per item
Foreign/Collection Item$16

Digital & Electronic

Online Bill PayNo charge

Cash & Deposit

Returned Deposit Items (chargeback)$12

Account Services

Drill Box$150
Not compared: Box drilling or key fee
Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$120
Safe Deposit Box 3 x 10$30
Safe Deposit Box 5 x 10$60
Safe Deposit Box 7 x 10$90
Garnishments$100
Tax Levy or Escheat of Funds$100

Other Fees

Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$10	per month	None
Quarterly fee (daily balance falls below $100)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Early Closure of Deposit Account Within 6 Months of Opening	$25	Not stated	None
Dormant Account Status	$5	per month	None
Research Fee (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Insufficient Funds (NSF) Item PAID	$35	Not stated	None
Insufficient Funds (NSF) Item RETURNED	$35	Not stated	None
ATM & Card
ATM- Foreign	No charge	Not stated	None
ATM/Debit Card Replacement (first replacement card free)	$10	Not stated	None
Wire Transfers
Wire Transfer: Outgoing Domestic	$25	Not stated	None
Wire Transfer Incoming	$5	Not stated	None
Wire Transfer: Outgoing Foreign	$50	Not stated	None
Check Services
Cashier's Check	$7	Not stated	None
Stop Payment (each)	$35	per item	None
Counter Checks (per page (4 checks to a page)after initial 24 free starter checks)	$1	per item	None
Foreign/Collection Item	$16	Not stated	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Returned Deposit Items (chargeback)	$12	Not stated	None
Account Services
Drill Box	$150Not compared: Box drilling or key fee	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$120	Not stated	None
Safe Deposit Box 3 x 10	$30	Not stated	None
Safe Deposit Box 5 x 10	$60	Not stated	None
Safe Deposit Box 7 x 10	$90	Not stated	None
Garnishments	$100	Not stated	None
Tax Levy or Escheat of Funds	$100	Not stated	None
Other Fees
Statement Copy	$5	Not stated	None

Correct a fee source

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.

Branches and public record

Where Bank of Lexington, Inc. operates, and what regulators and customers have on file.

Market position

In Lexington-Fayette, KY, Bank of Lexington, Inc. holds 2% of bank deposits, #15 of 36, with 4 offices.

Compare fees with the 36 Lexington-Fayette, KY banks and credit unions in its home-metro peer set →

Offices in the metro

202 offices of 48 institutions shown.

Bank of Lexington, Inc.Other banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Lexington-Fayette, KY metro (FDIC metro code 30460), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 3 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Central Bank & Trust Co.14.9%
2JPMorgan Chase Bank, National Association12.8%
3Fifth Third Bank, National Association11.4%
4Traditional Bank, Inc.8.3%
5PNC Bank, National Association7.0%
6Community Trust Bank, Inc.5.8%
7Bank of America, National Association4.8%
8Stock Yards Bank & Trust Company4.5%
15Bank of Lexington, Inc.2.0%

9 of 36 institutions shown. $16.0B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Lexington-Fayette, KY metro (FDIC metro code 30460)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 2% share, 4 offices, #15 of 36

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Lexington-Fayette, KY metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

33 offices of 13 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.

Fee change alerts

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