Compared with Mississippi
3 of 15
compared fees are above the median.
4 below, 8 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
98th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Mississippi median
of 15 compared; 4 below, 8 about the same
See the feesFee schedule read Oct 5, 2026
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) 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 Mississippi median | Published fees above the Mississippi 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
Service charges were 8.9% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (98th 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 $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.
3 of 15 compared published fees sit above the Mississippi 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 Mississippi 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 Mississippi, 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 14% from Q3 2025 to Q2 2026, to $326K. Its share of revenue, 8.9%, is above the 2.1% median for banks with $300M to $1B in assets.
$326K
Bank of FranklinMedian
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.
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.
| 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.
Peer pricing snapshot
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.
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 Bank of Franklin (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 | $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% |
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, Bank of Franklin left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Bank of Franklin by share.
Amounts from Bank of Franklin’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Research Per Hour (1 hour minimum) ...................................... $15.00
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Fee (per month of inactivity after 12 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $5Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Returned Statement Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF & Overdraft Fee (per presentment) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF & Overdraft Fee (per presentment) | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Foreign ATM Transaction Fee | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer - Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Money Order (up to $500) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee (per item) | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposit Fee (per presentment) | $3Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Night Deposit Extra Lock | $3Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| 10 x 10 (Brookhaven only) | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 X 10 | $45Inside 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) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 X 5 | $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) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 X 10 | $55Inside 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) | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 X 5 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 X 5 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | 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 | $45Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Copies of Research (per copy) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Printout | $4Inside 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 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.
Where Bank of Franklin operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $267.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 5 | $267.8M |
Largest competitors nearby
Local market: Franklin, Lincoln and Pike counties, MS, where it holds the most deposits.
| 10 in its local market | Deposit share |
|---|---|
| Trustmark Bank | 24.1% |
| First Bank | 14.2% |
| Pike National Bank | 13.2% |
| Regions Bank | 11.3% |
| Bank of Brookhaven | 10.5% |
This bank holds 11.9% 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.