14 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 15, 2026.
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 15, 2026
Call-report figures are for Bank of the Bluegrass 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 | 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. | Bank of the Bluegrass and Trust Company'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
Service-charge income was $87K in Q2 2026, 16% above the same quarter a year earlier ($75K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
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.
Service-charge income was about level from Q3 2025 to Q2 2026, at $87K.
$87K
Bank of the Bluegrass and Trust CompanyMedian
FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Bank of the Bluegrass and Trust Company · $407M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Bank of the Bluegrass and Trust Company(this institution) | Lexington, KY | $407M | Monthly maintenance not published | Out-of-network ATM not published | 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 Lexington, Inc. | Lexington, KY | $411M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| 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 |
| 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 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 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 |
| 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 |
| 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 |
| 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 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 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 |
| 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 |
✓ 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.
Peer pricing snapshot
The peer median is $5.25 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 30, 2026.
Monthly maintenance fee in dollars, one mark per institution
Bank of the Bluegrass and Trust Company does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Bank of the Bluegrass 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 | $87K | $0 | 0.0% |
| Q1 2026 | $87K | +$3K | +3.6% |
| Q4 2025 | $84K | −$3K | −3.4% |
| Q3 2025 | $87K | +$12K | +16.0% |
| Q2 2025 | $75K | −$1K | −1.3% |
| Q1 2025 | $76K | −$3K | −3.8% |
| Q4 2024 | $79K | +$4K | +5.3% |
| Q3 2024 | $75K | $0 | 0.0% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Bank of the Bluegrass and Trust Company’s own schedules, with a source for each figure.
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Balancing Checkbook | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Receipt of Paper Statements | $2 | Not stated | None |
Overdraft & NSF | |||
| \ AOD Paid Item Fee and Non-Sufficient Funds Fee (AOD = Automated Overdraft) | $30 | per item | None |
| \ Return Item Fee(s) | $30 | per item | None |
ATM & Card | |||
| Lost Debit Card Replacement Fee | $10 | Not stated | None |
Wire Transfers | |||
| ### Wire Transfer: Outgoing | $20 | Not stated | None |
| ### Wire Transfer: Incoming | No charge | Not stated | None |
| ### Wire Transfer: Foreign | $30 | Not stated | None |
Check Services | |||
| Cashier's Checks | $6 | Not stated | None |
| Stop Payment | $30 | per item | None |
| Collection Items: Foreign | $10 | Not stated | None |
Digital & Electronic | |||
| Internet Banking/Bill Payer | No charge | Not stated | None |
Account Services | |||
| Late Fee | $15Not compared: Box drilling or key fee | Not stated | None |
| Lost Key Replacement | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 3 x 10.5 x 23 | $35 | per year | None |
| Safe Deposit Box 3 x 5 x 23 | $20 | per year | None |
| Safe Deposit Box 5 x 10.5 x 23 | $55 | per year | None |
| Tax Levy or Garnishment | $75 | Not stated | None |
Other Fees | |||
| Statement Printout | $3 | per item | None |
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.
Fee change alerts
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