14 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 2, 2026.
Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 Nov 2, 2026
Call-report figures are for Southern Bank and Trust 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 | FDIC BankFind Suite (call report data) ASSET | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 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. | Southern Bank and Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $2.8M in Q2 2026, 12% above the same quarter a year earlier ($2.5M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $1.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 6.7% from Q3 2025 to Q2 2026, to $2.8M.
$2.8M
Southern Bank and Trust CompanyMedian
FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Southern Bank and Trust Company · $5.3B 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 |
|---|---|---|---|---|---|---|---|
| Southern Bank and Trust Company(this institution) | Mount Olive, NC | $5.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alerus Financial, National Association | Grand Forks, ND | $5.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Banesco USA | Miami, FL | $6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bar Harbor Bank & Trust | Bar Harbor, ME | $4.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Broadway National Bank | San Antonio, TX | $5.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Carter Bank & Trust | Martinsville, VA | $4.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community Bank of Mississippi | Flowood, MS | $5.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community West Bank | Fresno, CA | $5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Emigrant Bank | Miami, FL | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Internet Bank of Indiana | Fishers, IN | $5.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First National Bank Alaska | Anchorage, AK | $5.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Firstrust Savings Bank | Conshohocken, PA | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Great Southern Bank | Reeds Spring, MO | $5.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hills Bank and Trust Company | Hills, IA | $4.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independent Bank | Grand Rapids, MI | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Institution for Savings in Newburyport and Its Vicinity | Newburyport, MA | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Morton Community Bank | Morton, IL | $5.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northeast Bank | Portland, ME | $5.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Orrstown Bank | Harrisburg, PA | $5.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PeoplesBank | Holyoke, MA | $4.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Bank | Poplar Bluff, MO | $5.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Southern First Bank | Greenville, SC | $4.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Fidelity Bank | Fuquay Varina, NC | $4.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Westamerica Bank | San Rafael, CA | $5.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wheaton Bank & Trust, National Association | Wheaton, IL | $4.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wilson Bank and Trust | Lebanon, TN | $6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $1.50, the middle of its two prices, against a peer median of $10 among 14 publishing peers.
Its two checking prices are $0 and $3.
$1.50 is a comparison price, not a fee anyone is charged.
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 27, 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 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Southern Bank and Trust 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 | $2.8M | +$122K | +4.5% |
| Q1 2026 | $2.7M | +$45K | +1.7% |
| Q4 2025 | $2.7M | +$12K | +0.5% |
| Q3 2025 | $2.7M | +$133K | +5.3% |
| Q2 2025 | $2.5M | +$46K | +1.9% |
| Q1 2025 | $2.5M | −$19K | −0.8% |
| Q4 2024 | $2.5M | +$80K | +3.3% |
| Q3 2024 | $2.4M | +$76K | +3.2% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Southern Bank and Trust Company’s own schedules, with a source for each figure.
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| E-Checking Monthly maintenance fee | $3 | per month | None |
| Monthly Service Fee | No charge | per month | None |
Overdraft & NSF | |||
| Overdraft/Insufficient Funds (NSF) fee: First occurrence | $20 | Not stated | None |
| Overdraft/Insufficient Funds (NSF) fee: First occurrence | $20 | Not stated | None |
ATM & Card | |||
| Foreign transactions | 2%of the transaction | per transaction | None |
Check Services | |||
| Counter checks (applies to all customers) | $0.75 | Not stated | None |
| Check cashing fee per check (non-customers) | $8 | per item | None |
| Collection items (plus actual expenses paid to others) | $20 | Not stated | None |
| Copy fee for checks, deposit slips and other documents (per item or page) | $3 | per item | None |
Digital & Electronic | |||
| Proof of payment less than six months old for bill payment not in dispute | $10 | Not stated | None |
| Proof of payment more than six months old for bill payment not in dispute | $15 | Not stated | None |
Cash & Deposit | |||
| Returned Check Chargeback (each) | $10 | per item | None |
| Replace lost night deposit head key | $5 | Not stated | None |
Account Services | |||
| FEES FOR OTHER PERSONAL SERVICES: 5”x 5” | $40 | Not stated | None |
| Lost Key (replacement fee) | $30Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10”x 11” | $100 | Not stated | None |
| Safe Deposit Box 3”x 10” | $50 | Not stated | None |
| Safe Deposit Box 3”x 11” | $55 | Not stated | None |
| Safe Deposit Box 3”x 5” | $25 | Not stated | None |
| Safe Deposit Box 4”x 5” | $30 | Not stated | None |
| Safe Deposit Box 5.5”x 11” | $75 | Not stated | None |
| Safe Deposit Box 5”x 10” | $70 | Not stated | None |
| Safe Deposit Box 5"x 8” | $60 | Not stated | None |
| Safe Deposit Box 6”x10” | $80 | Not stated | None |
| Safe Deposit Box 8”x 10” | $90 | Not stated | None |
| Small Safe Deposit Boxes | $20 | Not stated | None |
| Legal process handling (Tax levies, garnishments, etc.) | $100 | Not stated | None |
| Deposit verification | $8 | Not stated | None |
Other Fees | |||
| Copy fee per statement | $5 | Not stated | None |
| Interim statements: With checks | $8 | Not stated | None |
| Interim statements: Without checks | $5 | Not stated | None |
Nov 2, 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
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