Compared with Tennessee
2 of 10
compared fees are above the median.
8 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
90th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Tennessee median
of 10 compared; 8 below, 0 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for People's Bank and Trust Company of Pickett County 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 Tennessee median | Published fees above the Tennessee median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | People's Bank and Trust Company of Pickett County's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 5.3% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (90th 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 $221K in Q2 2026, 13% above the same quarter a year earlier ($195K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 10 compared published fees sit above the Tennessee median; 8 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 Tennessee medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $4, the middle of its prices
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 4.2% from Q3 2025 to Q2 2026, to $221K. Its share of revenue, 5.3%, is above the 2.1% median for banks with $300M to $1B in assets.
$221K
People's Bank and Trust Company of Pickett CountyMedian
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. *Monthly maintenance: Listed at $3 to $7.50; we compare the midpoint.
People's Bank and Trust Company of Pickett County · $319M 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 |
|---|---|---|---|---|---|---|---|
| People's Bank and Trust Company of Pickett County(this institution) | Byrdstown, TN | $319M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| Centera Bank | Sublette, KS | $318M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| KCB Bank | Lakin, KS | $322M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| 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
Compared at $4, the middle of its five prices, against a peer median of $7.50 among 17 publishing peers.
Its five checking prices are $3, $4, $4, $5 and $7.50.
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 3, 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 Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for People's Bank and Trust Company of Pickett County (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 | $221K | +$13K | +6.3% |
| Q1 2026 | $208K | +$2K | +1.0% |
| Q4 2025 | $206K | −$6K | −2.8% |
| Q3 2025 | $212K | +$17K | +8.7% |
| Q2 2025 | $195K | −$5K | −2.5% |
| Q1 2025 | $200K | +$5K | +2.6% |
| Q4 2024 | $195K | −$2K | −1.0% |
| Q3 2024 | $197K | +$8K | +4.2% |
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, People's Bank and Trust Company of Pickett County left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to People's Bank and Trust Company of Pickett County by share.
Amounts from People's Bank and Trust Company of Pickett County’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per hour
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| NOW Account Maintenance fee | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Super NOW Account Maintenance fee | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant accounts | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account research | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Nonsufficient funds (NSF) item | $26.90Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Replacement debit cards | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire transfers: Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire transfers: Incoming | $25Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Cashier's checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money order | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop payments-ACH | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payments-checks | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Other Fees | |||
| Photocopies | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement reprints | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| HI-FI Account Maintenance fee | $4 | per month | None |
| Dormant accounts | $2 | per month | None |
| Account research | $15Not compared: Charged per hour; comparison unavailable | per hour | Account research | $15.00/hour |
| HI-FI excess debit fee | $1 | per item | None |
Overdraft & NSF | |||
| Nonsufficient funds (NSF) item | $26.90 | per item | None |
ATM & Card | |||
| Replacement debit cards | $5 | per item | None |
Wire Transfers | |||
| Wire transfers: Outgoing | $25 | per item | None |
| Wire transfers: Incoming | $25 | per item | None |
Check Services | |||
| Cashier's checks | $3 | per item | None |
| Money order | $1 | per item | None |
| Stop payments-ACH | $25 | per item | None |
| Stop payments-checks | $15 | per item | None |
Other Fees | |||
| Photocopies | $0.50 | per item | None |
| Statement reprints | $3 | per item | None |
Nov 3, 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 People's Bank and Trust Company of Pickett County operates, and what regulators and customers have on file.
Branch footprint
3 offices in 2 states, $280.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $280.2M |
Largest competitors nearby
Local market: Pickett and Overton counties, TN, where it holds the most deposits in its main state.
| 5 in its local market | Deposit share |
|---|---|
| First National Bank of Tennessee | 40.3% |
| Wellworth Bank | 14.8% |
| Union Bank & Trust Company | 10% |
| One Bank of Tennessee | 8.1% |
| Union Bank | 2.1% |
This bank holds 24.7% 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.