Bank of Franklin

Headquarters: Meadville, Mississippi
Charter: Bank
Assets: $302.3M
Fed district: Atlanta
Regulator: FDIC
Holding company: Franklin Bancshares Inc.

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 5, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 5, 2026

How these figures are measured

Call-report figures are for Bank of Franklin 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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Bank of Franklin's published fee schedule; Bank Fee Index medians	Current schedule	Oct 5, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Bank of Franklin (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $326K in Q2 2026, 13% above the same quarter a year earlier ($289K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Bank of Franklin: $35
Bank of Franklin: $35
U.S. median: no median
NSF / Returned Item
Bank of Franklin: $35
Bank of Franklin: $35
U.S. median: no median
Non-Network ATM
Bank of Franklin: $3
Bank of Franklin: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Mississippi, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Mississippi: Banks and credit unions headquartered in Mississippi that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 14% from Q3 2025 to Q2 2026, to $326K.

Service-charge income, Q2 2026

$326K

$286KQ3 2025

$279KQ4 2025

$293KQ1 2026

$326KQ2 2026

Against the median

Bank of FranklinMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Bank of Franklin · $302M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$294M to $311M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Bank of Franklin(this institution)	Meadville, MS	$302M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Crockett	Bells, TN	$299M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Montana	Missoula, MT	$309M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Caldwell Bank & Trust Company	Columbia, LA	$299M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens Guaranty Bank	Richmond, KY	$304M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Collins State Bank	Collins, WI	$301M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Bank	Winslow, IL	$311M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank and Trust Company	Muscatine, IA	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dearborn Federal Savings Bank	Dearborn, MI	$307M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
DLP Bank	Starke, FL	$301M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank Of Commerce	Walnut Ridge, AR	$297M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of South Carolina	Holly Hill, SC	$310M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Secure State Bank	Wonder Lake, IL	$306M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grant County Bank	Ulysses, KS	$298M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Leighton State Bank	Pella, IA	$298M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
McClain Bank	Purcell, OK	$294M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
PrinsBank	Prinsburg, MN	$308M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
RNB STATE BANK	Rawlins, WY	$296M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
SJN Bank of Kansas	Saint John, KS	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
St. Johns Bank and Trust Company	Saint Louis, MO	$297M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
State Bank	Waterloo, IL	$296M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Forest	Forest, MS	$296M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Farmers Bank of Milton	Milton, KY	$305M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Bank	Springdale, AR	$296M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Washington Savings Bank	Lowell, MA	$302M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Washington State Bank	Washington, LA	$309M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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.

Fee type

Peer pricing snapshot

Bank of Franklin does not publish a monthly maintenance fee in the index.

The peer median is $6.98 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Bank of Franklin does not publish a monthly maintenance fee, so it is not on this chart.

Bank of FranklinPeer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Bank of Franklin (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $326K
vs prior quarter: +$33K+11.3%; from Q1 2026
vs a year earlier: +$37K+12.8%; from Q2 2025
vs start of range: +$21K+6.9%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Bank of Franklin (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$326K	+$33K	+11.3%
Q1 2026	$293K	+$14K	+5.0%
Q4 2025	$279K	−$7K	−2.4%
Q3 2025	$286K	−$3K	−1.0%
Q2 2025	$289K	+$12K	+4.3%
Q1 2025	$277K	−$18K	−6.1%
Q4 2024	$295K	−$10K	−3.3%
Q3 2024	$305K	+$23K	+8.2%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Bank of Franklin’s own schedules, with a source for each figure.

Account Maintenance

Dormant Fee (per month of inactivity after 12 months)$5
per month
Research Per Hour (1 hour minimum)$15
Not compared: Charged per hour; comparison unavailable
per hour · Research Per Hour (1 hour minimum) ...................................... $15.00
Excess Withdrawal Fee$5
Returned Statement Fee$5

Overdraft & NSF

NSF & Overdraft Fee (per presentment)$35
per item
NSF & Overdraft Fee (per presentment)$35
per item

ATM & Card

Foreign ATM Transaction Fee$3
Debit Card Replacement Fee$10

Wire Transfers

Wire Transfer - Outgoing$20
Wire Transfer - Incoming$15

Check Services

Money Order (up to $500)$3
Stop Payment Fee (per item)$35
per item

Cash & Deposit

Returned Deposit Fee (per presentment)$3
per item
Night Deposit Extra Lock$3

Account Services

10 x 10 (Brookhaven only)$85
Safe Deposit Box 3 X 10$45
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)$45
Safe Deposit Box 3 X 5$30
Safe Deposit Box 3 X 5 (audience not stated, treated as personal)$30
Safe Deposit Box 5 X 10$55
Safe Deposit Box 5 X 10 (audience not stated, treated as personal)$55
Safe Deposit Box 5 X 5$35
Safe Deposit Box 5 X 5 (audience not stated, treated as personal)$35
Safe Deposit Box Drill Lock if Keys are lost$50
Not compared: Box drilling or key fee
Safe Deposit Box Late Fee (after 30 days late)$10
Not compared: Box drilling or key fee
Safe Deposit Box Lock Replacement Fee$50
Not compared: Box drilling or key fee
Garnishment/Levy Processing Fee$45

Other Fees

Copies of Research (per copy)$1
per item
Statement Printout$4

Fee	Amount	Basis	Note
Account Maintenance
Dormant Fee (per month of inactivity after 12 months)	$5	per month	None
Research Per Hour (1 hour minimum)	$15Not compared: Charged per hour; comparison unavailable	per hour	Research Per Hour (1 hour minimum) ...................................... $15.00
Excess Withdrawal Fee	$5	Not stated	None
Returned Statement Fee	$5	Not stated	None
Overdraft & NSF
NSF & Overdraft Fee (per presentment)	$35	per item	None
NSF & Overdraft Fee (per presentment)	$35	per item	None
ATM & Card
Foreign ATM Transaction Fee	$3	Not stated	None
Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfer - Outgoing	$20	Not stated	None
Wire Transfer - Incoming	$15	Not stated	None
Check Services
Money Order (up to $500)	$3	Not stated	None
Stop Payment Fee (per item)	$35	per item	None
Cash & Deposit
Returned Deposit Fee (per presentment)	$3	per item	None
Night Deposit Extra Lock	$3	Not stated	None
Account Services
10 x 10 (Brookhaven only)	$85	Not stated	None
Safe Deposit Box 3 X 10	$45	Not stated	None
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)	$45	Not stated	None
Safe Deposit Box 3 X 5	$30	Not stated	None
Safe Deposit Box 3 X 5 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box 5 X 10	$55	Not stated	None
Safe Deposit Box 5 X 10 (audience not stated, treated as personal)	$55	Not stated	None
Safe Deposit Box 5 X 5	$35	Not stated	None
Safe Deposit Box 5 X 5 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box Drill Lock if Keys are lost	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Late Fee (after 30 days late)	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lock Replacement Fee	$50Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy Processing Fee	$45	Not stated	None
Other Fees
Copies of Research (per copy)	$1	per item	None
Statement Printout	$4	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

Correct a fee source

Oct 5, 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.

Fee change alerts

Get an email when Bank of Franklin's early account closure changes in our data

We check once a day and send one email covering every change.