Compared with Ohio
3 of 13
compared fees are above the median.
7 below, 3 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
37th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Ohio median
of 13 compared; 7 below, 3 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for The Citizens Bank Company 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 Ohio median | Published fees above the Ohio median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Citizens Bank Company's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.6% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (37th 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 $52K in Q2 2026, 10% below the same quarter a year earlier ($58K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
3 of 13 compared published fees sit above the Ohio 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 Ohio medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Ohio, 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 16% from Q3 2025 to Q2 2026, to $52K. Its share of revenue, 1.6%, is below the 2.1% median for banks with $300M to $1B in assets.
$52K
The Citizens Bank CompanyMedian
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 Citizens Bank Company · $335M 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 |
|---|---|---|---|---|---|---|---|
| The Citizens Bank Company(this institution) | Beverly, OH | $335M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alamosa State Bank | Alamosa, CO | $340M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Bank of Alma | Alma, WI | $340M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bath State Bank | Bath, IN | $338M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Charles River Bank | Medway, MA | $336M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens First Bank | Viroqua, WI | $344M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Savings Bank | Bogalusa, LA | $329M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cumberland Federal Bank, FSB | Cumberland, WI | $342M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Douglas National Bank | Douglas, GA | $327M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Eastern Savings Bank, FSB | Hunt Valley, MD | $336M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Farmers and Merchants Bank of St. Clair | Saint Clair, MO | $343M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers State Bank of Alto Pass, Ill. | Alto Pass, IL | $342M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of Hereford | Hereford, TX | $345M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank | Lonoke, AR | $328M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Heritage Bank | Topeka, KS | $325M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Kaw Valley Bank | Topeka, KS | $340M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kentucky Farmers Bank Corporation | Catlettsburg, KY | $328M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Northern State Bank | Ashland, WI | $331M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| O'Bannon Banking Company | Buffalo, MO | $333M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| PCSB Bank | Clarinda, IA | $326M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank | Marshalltown, IA | $324M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The First Security Bank | Beaver, OK | $335M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The National Bank of Andrews | Andrews, TX | $341M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The State Bank of Faribault | Faribault, MN | $329M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Traditions First Bank | Erin, TN | $337M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ultima Bank Minnesota | Winger, MN | $334M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 12 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
The Citizens Bank Company 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for The Citizens Bank Company (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 | $52K | −$3K | −5.5% |
| Q1 2026 | $55K | −$6K | −9.8% |
| Q4 2025 | $61K | −$1K | −1.6% |
| Q3 2025 | $62K | +$4K | +6.9% |
| Q2 2025 | $58K | +$1K | +1.8% |
| Q1 2025 | $57K | −$3K | −5.0% |
| Q4 2024 | $60K | −$1K | −1.6% |
| Q3 2024 | $61K | +$3K | +5.2% |
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 Citizens Bank Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Citizens Bank Company by share.
Amounts from The Citizens Bank Company’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per transaction
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fees | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing, Research, Reconciliation | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed Statement | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft/Non-Sufficient Funds Fees | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Return NSF Check | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Citizens Bank Company ATM | $1.25Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
Check Services | |||
| Cashier's Checks | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $4Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| ACH Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| IB Stop Pay | $45Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks with Encoding | $0.25Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Collection Items: Incoming | $7.50Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay "3 for Free" or less than three | $5.95Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Coin Counting (audience not stated, treated as personal) | 1%($3 minimum) | Not stated | None |
Account Services | |||
| IRS Tax Levy | $25Below the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
Other Fees | |||
| Account Statement Reprints | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax Services: Outgoing | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | 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 17, 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 Citizens Bank Company operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $291.0M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 5 | $291.0M |
Largest competitors nearby
Local market: Washington county, OH, where it holds the most deposits.
| 10 in its local market | Deposit share |
|---|---|
| Peoples Bank | 61.4% |
| JPMorgan Chase Bank, National Association | 10% |
| The Huntington National Bank | 4.8% |
| The Settlers Bank | 4.6% |
| WesBanco Bank, Inc. | 3.7% |
This bank holds 11.1% 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 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.