The Community State Bank

Headquarters: Poteau, Oklahoma
Charter: Bank
Assets: $393.1M
Fed district: Kansas City
Regulator: Federal Reserve
Holding company: First Poteau Corp.

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

Source: its fee schedule, read Oct 14, 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 Oct 14, 2026

How these figures are measured

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) 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.	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

Details

Source: FFIEC call report (bulk data)
Entity: The Community State 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 $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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Now Checking
Can be waived with a balance of $1,500 or more.
The Community State Bank: $10
The Community State Bank: $10
U.S. median: no median
Overdraft (OD)
The Community State Bank: $28
The Community State Bank: $28
U.S. median: no median
NSF / Returned Item
The Community State Bank: $28
The Community State Bank: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 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 was about level from Q3 2025 to Q2 2026, at $795K.

Service-charge income, Q2 2026

$795K

$797KQ3 2025

$705KQ4 2025

$767KQ1 2026

$795KQ2 2026

Against the median

The Community State 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

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.

Banks only
$387M to $400M in assets
Headquartered in 18 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
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.50 (54%) above the median of similar-sized banks.

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

The Community State BankPeer (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 31, 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 The Community State 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: $795K
vs prior quarter: +$28K+3.7%; from Q1 2026
vs a year earlier: +$5K+0.6%; from Q2 2025
vs start of range: +$3K+0.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: The Community State 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	$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%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from The Community State Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$10
per month
New Account Closed Fee (New Account closed within 60 days of opening)$15
Dormant service charge$2
per month
Statement Reconciliation$20
Statement Reconciliation: Minimum$10
Temporary Statement$2
per item

Overdraft & NSF

A Paid Item O/D Fee$28
per item
Paid Item O/D Fee$28
NSF Returned Item Charge$28
per item

Wire Transfers

Wire Transfers (Incoming)$15

Check Services

Official Checks$2
Official Checks: Non-Customers$5
Money Orders (Non-Benefit Acct Cust)$2
Money Orders: Non-Customer$5
Stop Payments (each)$28
per item
Temporary Checks (each)$0.25
per item
Collection Fee$5
Collection Fee: Non Customer$10

Account Services

Notary Service$2
Notary Service: Non-Customer$5
Legal Processing: Garnishment/Levy Processing Fee$50

Other Fees

Special Request/Duplicate Statement$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$10	per month	None
New Account Closed Fee (New Account closed within 60 days of opening)	$15	Not stated	None
Dormant service charge	$2	per month	None
Statement Reconciliation	$20	Not stated	None
Statement Reconciliation: Minimum	$10	Not stated	None
Temporary Statement	$2	per item	None
Overdraft & NSF
A Paid Item O/D Fee	$28	per item	None
Paid Item O/D Fee	$28	Not stated	None
NSF Returned Item Charge	$28	per item	None
Wire Transfers
Wire Transfers (Incoming)	$15	Not stated	None
Check Services
Official Checks	$2	Not stated	None
Official Checks: Non-Customers	$5	Not stated	None
Money Orders (Non-Benefit Acct Cust)	$2	Not stated	None
Money Orders: Non-Customer	$5	Not stated	None
Stop Payments (each)	$28	per item	None
Temporary Checks (each)	$0.25	per item	None
Collection Fee	$5	Not stated	None
Collection Fee: Non Customer	$10	Not stated	None
Account Services
Notary Service	$2	Not stated	None
Notary Service: Non-Customer	$5	Not stated	None
Legal Processing: Garnishment/Levy Processing Fee	$50	Not stated	None
Other Fees
Special Request/Duplicate Statement	$5	Not stated	None

Correct a fee source

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.

Fee change alerts

Get an email when The Community State Bank's monthly maintenance changes in our data

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