20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 3, 2026.
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 3, 2026
Call-report figures are for Carter Bank & Trust 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. | Carter Bank & Trust's published fee schedule; Bank Fee Index medians | Current schedule | Oct 3, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $1.5M in Q2 2026, 8.9% above the same quarter a year earlier ($1.4M).
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.
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Carter Bank & Trust · $4.8B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Carter Bank & Trust(this institution) | Martinsville, VA | $4.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Arrow Bank National Association | Glens Falls, NY | $4.5B | Publishes Monthly maintenance | 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 |
| Capital City Bank | Tallahassee, FL | $4.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| First Federal Bank | Lake City, FL | $4.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| First State Community Bank | Farmington, MO | $4.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Hingham Institution for Savings | Hingham, MA | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| HomeTrust Bank | Asheville, NC | $4.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| International Bank of Commerce | Brownsville, TX | $4.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| NATIONAL COOPERATIVE BANK, N.A. | Hillsboro, OH | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Northeast Bank | Portland, ME | $5.2B | Monthly maintenance not published | 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 |
| Primis Bank | Tappahannock, VA | $4.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| State Bank of India | Chicago, IL | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sunwest Bank | Sandy, UT | $4.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Bank and Trust Company | Longview, TX | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Exchange Bank | Crowley, TX | $4.5B | 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 |
| VeraBank, National Association | Henderson, TX | $4.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | 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 |
✓ 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 $7.75 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 Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Carter Bank & Trust 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 Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for Carter Bank & Trust (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 14 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.5M | +$66K | +4.5% |
| Q1 2026 | $1.5M | −$44K | −2.9% |
| Q4 2025 | $1.5M | +$35K | +2.4% |
| Q3 2025 | $1.5M | +$70K | +4.9% |
| Q2 2025 | $1.4M | +$25K | +1.8% |
| Q1 2025 | $1.4M | −$130K | −8.5% |
| Q4 2024 | $1.5M | +$33K | +2.2% |
| Q3 2024 | $1.5M | +$17K | +1.2% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Carter Bank & Trust’s own schedules, with a source for each figure.
per month
per month
per month
per month
per year
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account is closed within 90 days | $15 | Not stated | None |
| Dormant Fee – No transactions for 730 days (2 years): Per account, per month (audience not stated, treated as personal) | $10 | per month | None |
| Dormant Fee – No transactions for 730 days (2 years): Per account, per month (audience not stated, treated as personal) | $7 | per month | None |
| Inactive Fee – No transactions for 365 days (1 year): Per account, per month (audience not stated, treated as personal) | $5 | per month | None |
| Inactive Fee – No transactions for 365 days (1 year): Per account, per month (audience not stated, treated as personal) | $3 | per month | None |
Overdraft & NSF | |||
| Insufficient Funds Charge - Returned | $30 | per item | None |
| Overdraft Transfer Fee (audience not stated, treated as personal) | $5 | per item | None |
ATM & Card | |||
| Each ATM Balance Inquiry (audience not stated, treated as personal) | $1 | per item | None |
| Replacement Card Fee | $10 | per item | None |
| Replacement Card Fee Per Card | $10 | per item | None |
| Expedited Debit Card Order Fee Per request | $45 | per item | None |
Wire Transfers | |||
| Domestic Outgoing Wire Fee Per request | $30 | per item | None |
| Domestic Incoming Wire Fee Per request | $15 | per item | None |
| International Outgoing Wire Fee | $50 | per item | None |
| International Incoming Wire Fee Per request | $50 | per item | None |
Check Services | |||
| Cashier’s Check Fee | $10 | per item | None |
| Stop Payment Fee | $35 | per item | None |
| Collection Fees (Items sent for special collection) | $35 | per item | None |
Cash & Deposit | |||
| Additional or replacement night depository bag | $40 | per item | None |
| Night depository key replacement | $10 | per item | None |
Account Services | |||
| Notary for Customers | No charge | Not stated | None |
| Safe Deposit Box (SDB) – Annual Rental Fees | $30 | per year | None |
| Safe Deposit Box 10 X 10 | $100 | Not stated | None |
| Safe Deposit Box 10 X 10 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 10 X 15 | $125 | Not stated | None |
| Safe Deposit Box 10 X 15 (audience not stated, treated as personal) | $125 | Not stated | None |
| Safe Deposit Box 3 X 10 | $55 | Not stated | None |
| Safe Deposit Box 3 X 10 (audience not stated, treated as personal) | $55 | Not stated | None |
| Safe Deposit Box 3 X 5 | $35 | Not stated | None |
| Safe Deposit Box 3 X 5 (audience not stated, treated as personal) | $35 | Not stated | None |
| Safe Deposit Box 5 X 10 | $75 | Not stated | None |
| Safe Deposit Box 5 X 10 (audience not stated, treated as personal) | $75 | Not stated | None |
| Safe Deposit Box 5 X 5 | $50 | Not stated | None |
| Safe Deposit Box 5 X 5 (audience not stated, treated as personal) | $50 | Not stated | None |
| SDB Late payment | $15Not compared: Box drilling or key fee | Not stated | None |
| SDB Lost Key | $20Not compared: Box drilling or key fee | Not stated | None |
| Tax Lien/Levy/Garnishment Fee Per request | $100 | per item | None |
| Written Verification of Deposit or Loan Fee Per request | $5 | per item | None |
Other Fees | |||
| Additional Statement Copies Per statement | $10 | 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 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.
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