Compared with Oklahoma
8 of 16
compared fees are above the median.
7 below, 1 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
99th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Oklahoma median
of 16 compared; 7 below, 1 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for The Community State 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) 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. | The Community State Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 15% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (99th 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 $795K in Q2 2026, 0.6% above the same quarter a year earlier ($790K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 16 compared published fees sit above the Oklahoma median; 7 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.
Monthly Maintenance
Now Checking
Can be waived with a balance of $1,500 or more.
Overdraft (OD)
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 was about level from Q3 2025 to Q2 2026, at $795K. Its share of revenue, 15%, is above the 2.1% median for banks with $300M to $1B in assets.
$795K
The Community State BankMedian
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.
The Community State Bank · $393M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The Community State Bank(this institution) | Poteau, OK | $393M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| BankGloucester | Gloucester, MA | $387M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| Central Bank | Tampa, FL | $387M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Bank of Santa Maria | Santa Maria, CA | $397M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | 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 |
| 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 |
| 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 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 HOME LOAN SAVINGS BANK | Coshocton, OH | $387M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 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 |
| Universal Bank | West Covina, CA | $388M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ 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.
Peer pricing snapshot
Its published price is $10, against a peer median of $6.50 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 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 The Community State Bank (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 | $795K | +$28K | +3.7% |
| Q1 2026 | $767K | +$62K | +8.8% |
| Q4 2025 | $705K | −$92K | −11.5% |
| Q3 2025 | $797K | +$7K | +0.9% |
| Q2 2025 | $790K | +$35K | +4.6% |
| Q1 2025 | $755K | −$37K | −4.7% |
| Q4 2024 | $792K | $0 | 0.0% |
| Q3 2024 | $792K | +$14K | +1.8% |
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, The Community State Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Community State Bank by share.
Amounts from The Community State Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New Account Closed Fee (New Account closed within 60 days of opening) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant service charge | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Statement Reconciliation | $20Inside the U.S. middle 50% ($6.63 to $25 nationally) | Not stated | None |
| Statement Reconciliation: Minimum | $10Inside the U.S. middle 50% ($6.63 to $25 nationally) | Not stated | None |
| Temporary Statement | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per item | None |
Overdraft & NSF | |||
| A Paid Item O/D Fee | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Paid Item O/D Fee | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Returned Item Charge | $28Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfers (Incoming) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Checks | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Checks: Non-Customers | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders (Non-Benefit Acct Cust) | $2Inside 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 Payments (each) | $28Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks (each) | $0.25Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Collection Fee | $5Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Fee: Non Customer | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Account Services | |||
| Notary Service | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Service: Non-Customer | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Legal Processing: Garnishment/Levy Processing Fee | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Other Fees | |||
| Special Request/Duplicate Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 14, 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 The Community State Bank operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $363.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 6 | $363.3M |
Largest competitors nearby
Local market: Le Flore and Latimer counties, OK, where it holds the most deposits.
| 7 in its local market | Deposit share |
|---|---|
| The First National Bank of Fort Smith | 26.9% |
| Arvest Bank | 12.8% |
| First National Bank | 8.5% |
| First National Bank & Trust Company of McAlester | 7.5% |
| Spiro State Bank | 4.5% |
This bank holds 33.6% 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
2 past actions
Source: public enforcement action lists from the Federal Reserve, read November 4, 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.