Local Bank

Headquarters: Hulbert, Oklahoma
Charter: Bank
Assets: $463.1M
Fed district: Kansas City
Regulator: Federal Reserve
Holding company: Grandview Bankshares Inc.

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

Source: its fee schedule, read Oct 23, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 23, 2026

How these figures are measured

Call-report figures are for Local 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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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.	Local Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 23, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Local Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $176K in Q2 2026, 35% above the same quarter a year earlier ($130K).
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.

Overdraft (OD)
Local Bank: $29
Local Bank: $29
U.S. median: no median
NSF / Returned Item
Local Bank: $29
Local Bank: $29
U.S. median: no median
Non-Network ATM
Compared at $2.25, the middle of its prices
Local Bank: $2 to $2.50
Local Bank: $2 to $2.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 2026View sources

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.

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).
Oklahoma: Banks and credit unions headquartered in Oklahoma that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 15% from Q3 2025 to Q2 2026, to $176K.

Service-charge income, Q2 2026

$176K

$153KQ3 2025

$152KQ4 2025

$158KQ1 2026

$176KQ2 2026

Against the median

Local BankMedian

Sources and open questions

FDIC 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

Local Bank · $463M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$446M to $481M in assets
Headquartered in 16 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
Local Bank(this institution)	Hulbert, OK	$463M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Bank	Francesville, IN	$455M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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
Citizens Bank & Trust Company	Plaquemine, LA	$481M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens National Bank of Cheboygan	Cheboygan, MI	$471M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens State Bank	Lena, IL	$453M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Exchange Bank of Missouri	Fayette, MO	$454M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First National Bank in New Bremen	New Bremen, OH	$467M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FNB Community Bank	Midwest City, OK	$480M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
FSNB, National Association	Lawton, OK	$478M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hometown Bank of Pennsylvania	Bedford, PA	$454M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hoyne Savings Bank	Chicago, IL	$480M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Iowa State Bank	Des Moines, IA	$481M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Meade County Bank	Brandenburg, KY	$458M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mechanics & Farmers Bank	Durham, NC	$476M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
North Brookfield Savings Bank	North Brookfield, MA	$449M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Northview Bank	Sandstone, MN	$470M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific Alliance Bank	San Gabriel, CA	$454M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Patriot Bank	Millington, TN	$451M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Pbt Bancorp	Hazard, KY	$473M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Seamen's Bank	Provincetown, MA	$478M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Bippus State Bank	Huntington, IN	$459M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Citizens State Bank	Moundridge, KS	$451M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Denison State Bank	Holton, KS	$454M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Hometown Savings Bank	Terre Haute, IN	$456M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Welch State Bank of Welch, Okla.	Welch, OK	$450M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Local Bank does not publish a monthly maintenance fee in the index.

The peer median is $9 among 13 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 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

Local Bank does not publish a monthly maintenance fee, so it is not on this chart.

Local BankPeer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 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 Local Bank (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: $176K
vs prior quarter: +$18K+11.4%; from Q1 2026
vs a year earlier: +$46K+35.4%; from Q2 2025
vs start of range: +$52K+41.9%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Local Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$176K	+$18K	+11.4%
Q1 2026	$158K	+$6K	+3.9%
Q4 2025	$152K	−$1K	−0.7%
Q3 2025	$153K	+$23K	+17.7%
Q2 2025	$130K	+$9K	+7.4%
Q1 2025	$121K	−$14K	−10.4%
Q4 2024	$135K	+$11K	+8.9%
Q3 2024	$124K	+$17K	+15.9%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Local Bank’s own schedules, with a source for each figure.

Account Maintenance

Service Charge (Minimum Balance Falls Below $50.00)$3
per month
Dormant Account Fee$7
per month
Account Balancing Assistance$35
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$35
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statements$3
per month
Temporary Statement$5
per item

Overdraft & NSF

Overdraft$29
per item
Overdraft Protection Advance Fee$29
Insufficient Funds$29
per item

ATM & Card

ATM Not on Us Inquiry Fee$2
ATM Not on Us Withdrawal Fee$2.50
ATM/VISA Check Card Replacement Fee$7

Wire Transfers

Wire Transfers (Outgoing)$25
per item
Wire Transfers (Incoming)$10
per item
Wire Transfers (International)$50
per item

Check Services

Cashier's Check (Customer)$3
per item
Money Order (Customer)$3
per item
Stop Payments & Stop Payment Renewals$29
per item

Cash & Deposit

Returned Deposit/Checks$5
per item

Account Services

Garnishments/Executions$25
Levies$25

Fee	Amount	Basis	Note
Account Maintenance
Service Charge (Minimum Balance Falls Below $50.00)	$3	per month	None
Dormant Account Fee	$7	per month	None
Account Balancing Assistance	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statements	$3	per month	None
Temporary Statement	$5	per item	None
Overdraft & NSF
Overdraft	$29	per item	None
Overdraft Protection Advance Fee	$29	Not stated	None
Insufficient Funds	$29	per item	None
ATM & Card
ATM Not on Us Inquiry Fee	$2	Not stated	None
ATM Not on Us Withdrawal Fee	$2.50	Not stated	None
ATM/VISA Check Card Replacement Fee	$7	Not stated	None
Wire Transfers
Wire Transfers (Outgoing)	$25	per item	None
Wire Transfers (Incoming)	$10	per item	None
Wire Transfers (International)	$50	per item	None
Check Services
Cashier's Check (Customer)	$3	per item	None
Money Order (Customer)	$3	per item	None
Stop Payments & Stop Payment Renewals	$29	per item	None
Cash & Deposit
Returned Deposit/Checks	$5	per item	None
Account Services
Garnishments/Executions	$25	Not stated	None
Levies	$25	Not stated	None

Correct a fee source

Oct 23, 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

Get an email when Local Bank's nsf / returned item changes in our data

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