Compared with Oklahoma
11 of 17
compared fees are above the median.
3 below, 3 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
77th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Oklahoma median
of 17 compared; 3 below, 3 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Exchange Bank and Trust Company 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 Oklahoma median | Published fees above the Oklahoma median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Exchange Bank and Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.6% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (77th 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 $189K in Q2 2026, 0.5% above the same quarter a year earlier ($188K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
11 of 17 compared published fees sit above the Oklahoma median; 3 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 Oklahoma medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Non-Interest and Interest Bearing Checking Accounts
Can be waived with a balance of $100 or more.
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 3.6% from Q3 2025 to Q2 2026, to $189K. Its share of revenue, 3.6%, is above the 2.1% median for banks with $300M to $1B in assets.
$189K
Exchange Bank and Trust CompanyMedian
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.
Exchange Bank and Trust Company · $429M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Exchange Bank and Trust Company(this institution) | Perry, OK | $429M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| 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 |
| Cattle Bank and Trust | Seward, NE | $422M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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 |
| Central State Bank | Coralville, IA | $419M | 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 |
| Devon Bank | Chicago, IL | $419M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers Trust and Savings Bank | Buffalo Center, IA | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 | 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 & 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 |
| 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 |
| 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 |
| 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 |
| North Valley Bank | Zanesville, OH | $427M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 |
| 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 St. Henry Bank | St. Henry, OH | $436M | 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 · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $7.50, against a peer median of $6 among 12 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 26, 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 Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Exchange Bank and Trust Company (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 | $189K | +$2K | +1.1% |
| Q1 2026 | $187K | −$5K | −2.6% |
| Q4 2025 | $192K | −$4K | −2.0% |
| Q3 2025 | $196K | +$8K | +4.3% |
| Q2 2025 | $188K | +$12K | +6.8% |
| Q1 2025 | $176K | +$3K | +1.7% |
| Q4 2024 | $173K | +$4K | +2.4% |
| Q3 2024 | $169K | +$18K | +11.9% |
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, Exchange Bank and Trust Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Exchange Bank and Trust Company by share.
Amounts from Exchange Bank and Trust Company’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per quarter
per quarter
per month
per month
per year
per year
per year
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Service Charge: No | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Quarterly fee (balance falls below $100) | $3Not compared: Quarterly charge, not monthly | per quarter | None |
| Quarterly fee (balance falls below $300) | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Dormant Account Monthly Fee | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly dormant inactivity fee | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Insufficient Funds Check Charge | $32Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Sweep - (Overdraft) | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM surcharge Fee | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Check Card Replacement Card (all card styles) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire transfer International | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers Checks (customer) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashiers Checks (non-customer) | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders (customer) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Orders (non customer) | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment/Stop Payment Renewal | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks - First sheet of 3 Free | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
Cash & Deposit | |||
| Use of Coin Counting Machine (customer) | No chargeInside the U.S. middle 50% ($0 to $2.50 nationally) | Not stated | None |
| Use of Coin Counting Machine (non-customer) (audience not stated, treated as personal) | 7% | Not stated | None |
| Returned Deposit Item Fee | $6Below the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Fee (customer) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Fee (non-customer) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box - Late Charge | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box - Lost Key | $50Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Drill Charge | $175Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Locker Stillwater Location 44 X 16 (annually) | $350Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Perry Location 10 X 10 (annually) | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Perry Location 10 X 20 (annually) | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Perry Location 3 X 10 (annually) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Perry Location 3 X 5 (annually) | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Perry Location 5 X 10 (annually) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Perry Location 5 X 5 (annually) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Stillwater Location 10 X 10 (annually) | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Stillwater Location 5 X 10 (annually) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
Gift & Prepaid Cards | |||
| Gift Card Fee | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement Reprint | $5Inside the U.S. middle 50% ($2 to $5 nationally) | 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
vs. the U.S. middle 50%:BelowInsideAbove
per month
per year
per year
per year
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Monthly Fee | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Insufficient Funds Check Charge | $32Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Sweep - (Overdraft) | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM surcharge Fee | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Check Card Replacement Card (all card styles) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire transfer International | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers Checks (customer) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashiers Checks (non-customer) | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders (customer) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Orders (non customer) | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment/Stop Payment Renewal | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks - First sheet of 3 Free | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay (Commercial Accounts) | $6 | per month | None |
| Bill Pay (Small Business Accounts) 10 free bill payments & | $0.50Not compared: Per-item charge, not monthly | per item | None |
Cash & Deposit | |||
| Use of Coin Counting Machine (customer) | No chargeInside the U.S. middle 50% ($0 to $2.50 nationally) | Not stated | None |
| Returned Deposit Item Fee | $6Below the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Fee (customer) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Fee (non-customer) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box - Late Charge | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box - Lost Key | $50Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Drill Charge | $175Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Locker Stillwater Location 44 X 16 (annually) | $350Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Perry Location 10 X 10 (annually) | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Perry Location 10 X 20 (annually) | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Perry Location 3 X 10 (annually) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Perry Location 3 X 5 (annually) | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Perry Location 5 X 10 (annually) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Perry Location 5 X 5 (annually) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Stillwater Location 10 X 10 (annually) | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Stillwater Location 5 X 10 (annually) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
Gift & Prepaid Cards | |||
| Gift Card Fee | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement Reprint | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Nov 2, 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 Exchange Bank and Trust Company operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $385.9M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $385.9M |
Largest competitors nearby
Local market: Noble and Payne counties, OK, where it holds the most deposits.
| 17 in its local market | Deposit share |
|---|---|
| Simmons Bank | 19.5% |
| BancFirst | 18.4% |
| RCB Bank | 9% |
| The Payne County Bank | 8.7% |
| Blue Sky Bank | 7.4% |
This bank holds 14.5% 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 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.