Compared with Kentucky
2 of 6
compared fees are above the median.
4 below, 0 about the same.
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
84th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kentucky median
of 6 compared; 4 below, 0 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for Pbt Bancorp 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 Kentucky median | Published fees above the Kentucky median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Pbt Bancorp's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.5% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (84th 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 $224K in Q2 2026, 24% above the same quarter a year earlier ($180K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 6 compared published fees sit above the Kentucky median; 4 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 Kentucky medians for fees published by banks and credit unions.
Monthly Maintenance
GO GREEN ACCOUNT
NSF / Returned Item
Stop Payment
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 fell 8.9% from Q3 2025 to Q2 2026, to $224K. Its share of revenue, 4.5%, is above the 2.1% median for banks with $300M to $1B in assets.
$224K
Pbt BancorpMedian
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.
Pbt Bancorp · $473M 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 |
|---|---|---|---|---|---|---|---|
| Pbt Bancorp(this institution) | Hazard, KY | $473M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Alliance Bank | Francesville, IN | $455M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Arundel Federal Savings Bank | Glen Burnie, MD | $492M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Century Bank and Trust | Milledgeville, GA | $491M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank & Trust Company | Plaquemine, LA | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens National Bank of Cheboygan | Cheboygan, MI | $471M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eclipse Bank, Inc. | Louisville, KY | $486M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| EvaBank | Eva, AL | $491M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank in New Bremen | New Bremen, OH | $467M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FNB Community Bank | Midwest City, OK | $480M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| FSNB, National Association | Lawton, OK | $478M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hoyne Savings Bank | Chicago, IL | $480M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Iowa State Bank | Des Moines, IA | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Local Bank | Hulbert, OK | $463M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meade County Bank | Brandenburg, KY | $458M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mechanics & Farmers Bank | Durham, NC | $476M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northview Bank | Sandstone, MN | $470M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ohio State Bank | Bexley, OH | $484M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific Alliance Bank | San Gabriel, CA | $454M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Seamen's Bank | Provincetown, MA | $478M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest Capital Bank | Albuquerque, NM | $483M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sterling Federal Bank, F.S.B. | Sterling, IL | $482M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank, National Association | McAlester, OK | $488M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bippus State Bank | Huntington, IN | $459M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Hometown Savings Bank | Terre Haute, IN | $456M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wallkill Valley Federal Savings and Loan Association | Wallkill, NY | $485M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ 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
Its published price is $6, against a peer median of $8.50 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 27, 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 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Pbt Bancorp (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 | $224K | −$12K | −5.1% |
| Q1 2026 | $236K | −$16K | −6.3% |
| Q4 2025 | $252K | +$6K | +2.4% |
| Q3 2025 | $246K | +$66K | +36.7% |
| Q2 2025 | $180K | −$5K | −2.7% |
| Q1 2025 | $185K | +$52K | +39.1% |
| Q4 2024 | $133K | +$25K | +23.1% |
| Q3 2024 | $108K | +$4K | +3.8% |
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, Pbt Bancorp left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Pbt Bancorp by share.
Amounts from Pbt Bancorp’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per quarter
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| GO Green Account Service charge (audience not stated, treated as personal) | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge (balance in the account falls below $500) (audience not stated, treated as personal) | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account | $2Not compared: Quarterly charge, not monthly | per quarter | None |
| Research Fee per hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excess transaction fee | $1Below the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Return ACH items due to Subscriber Error | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Return Check due to Subscriber Error | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
Check Services | |||
| Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Copy Mailed or Faxed to Subscriber or Bank | $15Above the U.S. middle 50% ($2 to $5 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
Oct 26, 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 Pbt Bancorp operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $426.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 6 | $426.7M |
Largest competitors nearby
Local market: Perry, Estill and Powell counties, KY, where it holds the most deposits.
| 6 in its local market | Deposit share |
|---|---|
| Community Trust Bank, Inc. | 19% |
| Citizens Guaranty Bank | 14.4% |
| 1st Trust Bank, Inc. | 14.2% |
| Whitaker Bank | 11.4% |
| First Federal Savings and Loan Association | 4.4% |
This bank holds 33% 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
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
We check once a day and send one email covering every change.