MA Bank

Headquarters: Macon, Missouri
Charter: Bank
Assets: $417.3M
Fed district: St. Louis
Regulator: Federal Reserve
Holding company: Macon-Atlanta Bancorp Inc.

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

Source: its fee schedule, read Nov 2, 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 Nov 2, 2026

How these figures are measured

Call-report figures are for MA 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	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.	MA Bank'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

Details

Source: FFIEC call report (bulk data)
Entity: MA Bank (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 $136K in Q2 2026, 49% above the same quarter a year earlier ($91K).
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
Account Online $5 · SecurePoint Checking $5 · SmartPoint Checking $10
Compared at $5, the middle of its prices
MA Bank: $5 to $10
MA Bank: $5 to $10
U.S. median: no median
Overdraft (OD)
MA Bank: $20
MA Bank: $20
U.S. median: no median
NSF / Returned Item
MA Bank: $20
MA Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis 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).
Missouri: Banks and credit unions headquartered in Missouri that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 74% from Q3 2025 to Q2 2026, to $136K.

Service-charge income, Q2 2026

$136K

$78KQ3 2025

$81KQ4 2025

$16KQ1 2026

$136KQ2 2026

Against the median

MA BankMedian

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

MA Bank · $417M 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.

Banks only
$409M to $426M in assets
Headquartered in 19 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
MA Bank(this institution)	Macon, MO	$417M	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 Lexington, Inc.	Lexington, KY	$411M	Publishes Monthly maintenance	Publishes Out-of-network ATM	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
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
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
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 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	Buxton, ND	$424M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
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
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
Kentland Bank	Kentland, IN	$419M	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
River City Bank	Rome, GA	$423M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Sugar River Bank	Newport, NH	$424M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
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 · 15 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $1 (17%) below the median of similar-sized banks.

Compared at $5, the middle of its three prices, against a peer median of $6 among 15 publishing peers.

Its three checking prices are $5, $5 and $10.

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

MA Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (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 26, 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 MA 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: $136K
vs prior quarter: +$120K+750.0%; from Q1 2026
vs a year earlier: +$45K+49.5%; from Q2 2025
vs start of range: +$64K+88.9%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: MA Bank (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	$136K	+$120K	+750.0%
Q1 2026	$16K	−$65K	−80.2%
Q4 2025	$81K	+$3K	+3.8%
Q3 2025	$78K	−$13K	−14.3%
Q2 2025	$91K	+$8K	+9.6%
Q1 2025	$83K	+$4K	+5.1%
Q4 2024	$79K	+$7K	+9.7%
Q3 2024	$72K	+$6K	+9.1%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly service charge$5
per month
Service Charge$5
per month
SmartPoint Checking Monthly service charge$10
per month
Early Closing Account$25
per item
Dormant Account$5
per month
Account Research$25
Statement Reconciliation$25
per item
Printed Paper Statement$3

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$5	per month	None
Service Charge	$5	per month	None
SmartPoint Checking Monthly service charge	$10	per month	None
Early Closing Account	$25	per item	None
Dormant Account	$5	per month	None
Account Research	$25	Not stated	None
Statement Reconciliation	$25	per item	None
Printed Paper Statement	$3	Not stated	None
Overdraft & NSF
Overdraft/Non-Sufficient Funds	$20	per item	None
Overdraft/Non-Sufficient Funds	$20	per item	None
Overdraft Daily Cap	$120	per day	Maximum per day
ATM & Card
ATM Fee at Non-MA Bank ATM (foreign)	$2	per item	None
Debit Card Replacement	$7	per item	None
Wire Transfers
Wires: Domestic Outgoing	$20	per item	None
Wires - Domestic Incoming	No charge	Not stated	None
Wires: International Outgoing	$40	per item	None
Wires - International Incoming	No charge	Not stated	None
Check Services
Cashier’s Check	$10	per item	None
Money Order	$3	per item	None
Stop Pay: Check or ACH	$20	per item	None
Temporary Check	$0.15	per item	None
Temporary Checks	No charge	Not stated	None
Check Cashing (audience not stated, treated as personal)	5%	Not stated	None
Check Cashing	5%	Not stated	None
Collection Fee (Domestic & Foreign)	$15	per item	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Coin Machine	No charge	Not stated	None
Cash Advance Convenience	$2	per item	None
Deposit Item Return	$2	per item	None
Account Services
Notary Services	No charge	Not stated	None
Notary Services	$2	per item	None
Late Payment	$5Not compared: Monthly charge, not annual	per month	None
Tax Levy	$50	per item	None
Account Verifications	No charge	Not stated	None
Other Fees
Account Activity Fee/Copy of Statement	$2	per item	None
Photocopy	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Showing 5 of 36 fees.

Correct a fee source

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.

Branches and public record

Where MA Bank operates, and what regulators and customers have on file.

Branch footprint

3 offices in 1 state, $364.5M in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

Outside a metro area

$364.5M

Largest competitors nearby

Local market: Macon, Monroe and Adair counties, MO, where it holds the most deposits.

13 in its local market	Deposit share
Equity Bank	15.9%
U.S. Bank National Association	15.5%
Alliant Bank	10.2%
Northeast Missouri State Bank	8.6%
NBH Bank	7.6%

This bank holds 21.3% 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.

Fee change alerts

MA Bank

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is $1 (17%) below the median of similar-sized banks.

Financial performance

Service-charge share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at MA Bank changes in our data

MA Bank

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is $1 (17%) below the median of similar-sized banks.

Financial performance

Service-charge share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at MA Bank changes in our data