Compared with Florida
7 of 19
compared fees are above the median.
7 below, 5 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
2nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Florida median
of 19 compared; 7 below, 5 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Central 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 Florida median | Published fees above the Florida median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Central 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
Service charges were 0.1% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (2nd 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 $5K in Q2 2026, 29% below the same quarter a year earlier ($7K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
7 of 19 compared published fees sit above the Florida 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 Florida medians for fees published by banks and credit unions.
Overdraft (OD)
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 17% from Q3 2025 to Q2 2026, to $5K. Its share of revenue, 0.1%, is below the 2.1% median for banks with $300M to $1B in assets.
$5K
Central 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.
Central Bank · $387M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Central Bank(this institution) | Tampa, FL | $387M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American Community Bank of Indiana | Saint John, IN | $383M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| BankGloucester | Gloucester, MA | $387M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Earlham Savings Bank | West Des Moines, IA | $383M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| ESB Financial | Emporia, KS | $381M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 National Bank of Clarksdale | Clarksdale, MS | $386M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First State Bank | Lynnville, IA | $384M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Merchants & Planters' Bank | Newport, AR | $379M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Municipal Trust and Savings Bank | Bourbonnais, IL | $382M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Valley Bank & Trust | Springfield, MA | $385M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pinnacle Bank | Jasper, AL | $385M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| RockPointBank, National Association | Chattanooga, TN | $384M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sandhills State Bank | North Platte, NE | $383M | 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 Community State Bank | Poteau, OK | $393M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Fahey Banking Company | Marion, OH | $385M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 Harbor Bank of Maryland | Baltimore, MD | $383M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| 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 |
| United Roosevelt Savings Bank | Carteret, NJ | $381M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.95 among 15 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
Central Bank 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Central 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 | $5K | −$1K | −16.7% |
| Q1 2026 | $6K | $0 | 0.0% |
| Q4 2025 | $6K | $0 | 0.0% |
| Q3 2025 | $6K | −$1K | −14.3% |
| Q2 2025 | $7K | +$1K | +16.7% |
| Q1 2025 | $6K | −$2K | −25.0% |
| Q4 2024 | $8K | $0 | 0.0% |
| Q3 2024 | $8K | +$2K | +33.3% |
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, Central Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Central Bank by share.
Amounts from Central Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closing Fee (within 90 days of opening) | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant/Escheat charge (account is dormant after 18 months without customer activity) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Balancing (per hour-minimum) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (per hour-minimum) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Item Paid Fee (such as created by check, in-person withdrawal, ATM withdrawal, or other electronic means) | Item* | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
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.
Where Central Bank operates, and what regulators and customers have on file.
Branch footprint
4 offices in 2 states, $325.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $169.7M | |
| 1 | $79.4M | |
| 1 | $47.0M | |
| 1 | $29.1M |
Tampa-St. Petersburg-Clearwater, FL
0.1% of bank deposits, #38 of 60, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| Raymond James Bank | 31.5% |
| Bank of America, National Association | 10.6% |
| Truist Bank | 10.3% |
| Wells Fargo Bank, National Association | 9.3% |
| JPMorgan Chase Bank, National Association | 6.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Tampa-St. Petersburg-Clearwater, FL, Central Bank holds 0.1% of bank deposits, #38 of 60, with 1 office.
The fee comparison uses its home metro, Atlanta-Sandy Springs-Roswell, GA.
771 offices of 97 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 60 institutions shown. $131.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.1% share, 1 office, #38 of 60
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
180 offices of 37 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 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