Compared with California
8 of 13
compared fees are above the median.
3 below, 2 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
55th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the California median
of 13 compared; 3 below, 2 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for Community Bank of Santa Maria 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 California median | Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Community Bank of Santa Maria's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.2% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (55th 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 $102K in Q2 2026, 23% above the same quarter a year earlier ($83K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 13 compared published fees sit above the California 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 California medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Stop Payment
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 20% from Q3 2025 to Q2 2026, to $102K. Its share of revenue, 2.2%, is above the 2.1% median for banks with $300M to $1B in assets.
$102K
Community Bank of Santa MariaMedian
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.
Community Bank of Santa Maria · $397M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Community Bank of Santa Maria(this institution) | Santa Maria, CA | $397M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Ascendia Bank | Glen Rock, NJ | $395M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Balboa Thrift and Loan Association | Chula Vista, CA | $394M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bank of St. Francisville | Saint Francisville, LA | $399M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Big Horn Federal Savings Bank | Greybull, WY | $400M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers State Bank | Center, TX | $391M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Iowa State Bank | Albia, IA | $396M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Secure Bank and Trust Co. | Palos Hills, IL | $396M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Bank | Irvington, KY | $402M | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 |
| Grant County State Bank | Swayzee, IN | $396M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Great Plains State Bank | Petersburg, NE | $392M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| GreenWay Bank | Van Wert, OH | $402M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Locality Bank | Fort Lauderdale, FL | $396M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Peoples State Bank of Hallettsville | Hallettsville, TX | $396M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Peoples Trust Company of St. Albans | Saint Albans, VT | $395M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pony Express Bank | Braymer, MO | $399M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Bank of Glen Burnie | Glen Burnie, MD | $395M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Citizens National Bank of Park Rapids | Park Rapids, MN | $397M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Clinton National Bank | Clinton, IA | $396M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Community State Bank | Poteau, OK | $393M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First Citizens National Bank of Upper Sandusky | Upper Sandusky, OH | $390M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Peoples Community Bank | Mazomanie, WI | $389M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| The Shelby State Bank | Shelby, MI | $397M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| TrustTexas Bank, SSB | Cuero, TX | $393M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $5.63 among 14 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 31, 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Community Bank of Santa Maria (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 | $102K | +$1K | +1.0% |
| Q1 2026 | $101K | +$7K | +7.4% |
| Q4 2025 | $94K | +$9K | +10.6% |
| Q3 2025 | $85K | +$2K | +2.4% |
| Q2 2025 | $83K | −$21K | −20.2% |
| Q1 2025 | $104K | $0 | 0.0% |
| Q4 2024 | $104K | +$2K | +2.0% |
| Q3 2024 | $102K | −$7K | −6.4% |
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, Community Bank of Santa Maria left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Community Bank of Santa Maria by share.
Amounts from Community Bank of Santa Maria’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month · eVue Statements discount: $2.00
per month
per quarter · eVue Statements discount: $2.00
one time
varies · per hour
per item
per item · plus payee bank charges
per item
per item
per item
per item
per item
per item
per item · per page
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Service charge for accounts with a minimum daily balance below (per statement cycle) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge (Money Market Savings, minimum daily balance below $2,500) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | eVue Statements discount: $2.00 |
| Service charge (NOW Account, minimum daily balance below $1,000) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge (Regular Savings, minimum daily balance below $500) (audience not stated, treated as personal) | $5Not compared: Quarterly charge, not monthly | per quarter | eVue Statements discount: $2.00 |
| Early Closure Fee — accounts closed within 6 monthsofopening «o.oo (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment Fee (Dormant Accounts) (audience not stated, treated as personal) | $2Not compared: One-time charge, not monthly | one time | None |
| Balancing and research (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($6.25 to $25 nationally) | varies | per hour |
| Balancing and research (perhour) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($6.25 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| Returned item due to uncollected funds (each) | $33Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Debit card replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Debit card replacement (each) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer - International Outgoing (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | plus payee bank charges |
Check Services | |||
| Cashier's Checks (Customers) (audience not stated, treated as personal) | $8Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashier's Checks (Non-customer) (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop payment charge (each) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Items— Single item, item with documents (per item plus payee bank charges) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Foreign check/draft deposited (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Foreign check/draft(per item deposited) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copy of check(s) (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | per page |
| Copy of check(s) (perpage) (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination | $20Not compared: Monthly charge, not per item | per month | per statement cycle |
| ACH Origination (perstatement cycle) | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Telephone Transfer (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Statement copy (each) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | 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 10, 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 Community Bank of Santa Maria operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $350.4M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 2 | $350.4M |
Santa Maria-Santa Barbara, CA
2.5% of bank deposits, #9 of 20, up 0.5 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 18.2% |
| Wells Fargo Bank, National Association | 15.8% |
| Bank of America, National Association | 15.2% |
| U.S. Bank National Association | 11.4% |
| Montecito Bank & Trust | 10.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Santa Maria-Santa Barbara, CA, Community Bank of Santa Maria holds 2.5% of bank deposits, #9 of 20, with 2 offices.
101 offices of 28 institutions shown.
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 20 institutions shown. $14.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 2.5% share, 2 offices, #9 of 20
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
15 offices of 8 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.