Compared with Kansas
4 of 17
compared fees are above the median.
6 below, 7 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
93rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kansas median
of 17 compared; 6 below, 7 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Centera 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 Kansas median | Published fees above the Kansas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Centera Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 5.9% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (93rd 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 $190K in Q2 2026, 4.5% below the same quarter a year earlier ($199K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 17 compared published fees sit above the Kansas median; 6 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 Kansas medians for fees published by banks and credit unions.
Monthly Maintenance
Regular Checking
Can be waived with a balance of $500 or more.
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Kansas, 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 fell 9.5% from Q3 2025 to Q2 2026, to $190K. Its share of revenue, 5.9%, is above the 2.1% median for banks with $300M to $1B in assets.
$190K
Centera 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.
Centera Bank · $318M 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 |
|---|---|---|---|---|---|---|---|
| Centera Bank(this institution) | Sublette, KS | $318M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1NB Bank | Carlyle, IL | $319M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Abacus Federal Savings Bank | New York, NY | $321M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Coushatta | Coushatta, LA | $317M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Yazoo City | Yazoo City, MS | $318M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens Independent Bank | Saint Louis Park, MN | $314M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| City Bank & Trust Co. | Lincoln, NE | $323M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Bank | Longview, TX | $315M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Forest Park National Bank and Trust Company | Forest Park, IL | $322M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Gateway Bank | Mendota Heights, MN | $320M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Guaranty Bank and Trust Company | New Roads, LA | $319M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heritage Bank | Topeka, KS | $325M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Horatio State Bank | Horatio, AR | $312M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| KCB Bank | Lakin, KS | $322M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| People's Bank and Trust Company of Pickett County | Byrdstown, TN | $319M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| PEOPLES BANK | Sheridan, AR | $314M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Profile Bank | Rochester, NH | $317M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Seneca Savings Bank, National Association | Baldwinsville, NY | $312M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sewickley Savings Bank | Sewickley, PA | $316M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| State Bank of Graymont | Graymont, IL | $313M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The National Iron Bank | Salisbury, CT | $318M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Payne County Bank | Perkins, OK | $313M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Peoples Bank | Brownstown, IN | $324M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| TNBANK | Oak Ridge, TN | $318M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wray State Bank | Wray, CO | $312M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $7.50 among 17 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 21, 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 21, 2026. Total assets from FDIC and NCUA records.
Call reports for Centera 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 | $190K | +$9K | +5.0% |
| Q1 2026 | $181K | −$12K | −6.2% |
| Q4 2025 | $193K | −$17K | −8.1% |
| Q3 2025 | $210K | +$11K | +5.5% |
| Q2 2025 | $199K | +$8K | +4.2% |
| Q1 2025 | $191K | +$7K | +3.8% |
| Q4 2024 | $184K | −$7K | −3.7% |
| Q3 2024 | $191K | +$14K | +7.9% |
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, Centera Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Centera Bank by share.
Amounts from Centera Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per day
per item
per transaction
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Regular Checking Monthly maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closing of Deposit Account within 3 months | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (Monthly Fee) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Fee (per item per presentment) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Check Fee (per item) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Daily Cap (audience not stated, treated as personal) | $200Above the U.S. middle 50% ($100 to $162.50 nationally) | per day | None |
ATM & Card | |||
| Per Inquiry at Non Centera Bank ATM (Foreign ATM) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Per Withdrawal at Non Centera Bank ATM (Foreign ATM) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Lost or Stolen Replacement card fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Card Fee - per card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| International Service Assessment Fee | 1.7%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire Transfer | $75Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers Checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Personal Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Digital & Electronic | |||
| Balance Reporting, Wire Transfers, ACH Origination and Bill Pay (Monthly Fee) | $20Not compared: Monthly charge, not per item | per month | None |
| Balance Reporting Only & Bill Pay (Monthly Fee) | $10Above the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Account Services | |||
| Notary Fee | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 3 X 10 (short) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5 X 5 (long) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5 X 6 (short) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Drilling Charges | $300Not compared: Box drilling or key fee | Not stated | None |
| Lost Key Replacement | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 X 10 (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2 X 5 (audience not stated, treated as personal) | $10Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 X 10 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 X 5 (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4 X 10 (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4 X 5 (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 X 10 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishments | $15Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| IRS Levies | $10Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Deposit Account Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax Service: Incoming (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax Service: Outgoing (per page) | $2.50Inside 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 11, 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 Centera Bank operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $290.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 6 | $290.5M |
Largest competitors nearby
Local market: Haskell, Ford and Clark counties, KS, where it holds the most deposits.
| 13 in its local market | Deposit share |
|---|---|
| Sunflower Bank, National Association | 15.3% |
| Landmark National Bank | 13.4% |
| The Fidelity State Bank and Trust Company | 12.7% |
| The Western State Bank | 8.6% |
| The Stockgrowers State Bank of Ashland, Kansas | 6.4% |
This bank holds 22.8% 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.