16 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 18, 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 18, 2026
Call-report figures are for Elkton Bank & 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 | 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. | Elkton Bank & Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Oct 18, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $71K in Q2 2026, 9.2% above the same quarter a year earlier ($65K).
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
Non-Network ATM
Stop Payment
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 6.6% from Q3 2025 to Q2 2026, to $71K.
$71K
Elkton Bank & Trust CompanyMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Elkton Bank & Trust Company · $199M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Elkton Bank & Trust Company(this institution) | Elkton, KY | $199M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Bank 21 | Carrollton, MO | $202M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Commerce | Chelsea, OK | $203M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Delight | Delight, AR | $201M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chelsea Savings Bank | Belle Plaine, IA | $197M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Citizens State Bank | Sheldon, IA | $195M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fidelity Bank | Savanna, IL | $199M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Frederick Community Bank, The | Paxton, IL | $196M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Gouverneur Savings and Loan Association | Gouverneur, NY | $199M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Horizon Financial Bank | Munich, ND | $201M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Liberty Bank | Liberty, IL | $194M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Lineage Bank | Franklin, TN | $198M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lyons Federal Bank | Lyons, KS | $198M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Minnstar Bank National Association | Lake Crystal, MN | $204M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mount Vernon Bank and Trust Company | Mount Vernon, IA | $195M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Haven Bank | New Haven, CT | $200M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Northern Interstate Bank, N. A. | Norway, MI | $194M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oklahoma Capital Bank | Tulsa, OK | $196M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| PeoplesTrust Bank | Hamilton, AL | $201M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Simmesport State Bank | Simmesport, LA | $198M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| State Bank & Trust Co. | Nevada, IA | $198M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Farmers State Bank | Quinton, OK | $194M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The First National Bank of Absecon | Absecon, NJ | $195M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First National Bank of Dryden | Dryden, NY | $204M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Groton | Groton, NY | $204M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| THE SEILING STATE BANK | Seiling, OK | $195M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $9, against a peer median of $5 among 11 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 1, 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Elkton Bank & 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 | $71K | −$5K | −6.6% |
| Q1 2026 | $76K | +$1K | +1.3% |
| Q4 2025 | $75K | −$1K | −1.3% |
| Q3 2025 | $76K | +$11K | +16.9% |
| Q2 2025 | $65K | +$9K | +16.1% |
| Q1 2025 | $56K | −$7K | −11.1% |
| Q4 2024 | $63K | −$1K | −1.6% |
| Q3 2024 | $64K | +$8K | +14.3% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Elkton Bank & Trust Company’s own schedules, with a source for each figure.
per month
per month
per hour
per month
per item
per item
per item
per item
per item
per item
per month
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Low monthly service fee: Personal | $9 | per month | None |
| Any new account closed within 90 days | $25 | Not stated | None |
| Dormant account fee | $5 | per month | None |
| Account reconciliation and research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Legacy Paper Statement Fee | $5 | per month | None |
| Return Mail Fee | $10Not compared: Per-item charge, not monthly | per item | None |
ATM & Card | |||
| ATM withdrawal at other banks | $3 | per item | None |
| Contactless Debit Card Replacement: Standard Card | $8 | Not stated | None |
| Debit Card Replacement: Specialty Card | $13 | Not stated | None |
Wire Transfers | |||
| Domestic wire transfer FRB Incoming Wire | $30 | Not stated | None |
| International wire transfer: Outgoing | $75 | Not stated | None |
Check Services | |||
| Cashier's Check | $5 | per item | None |
| Money Orders | $5 | per item | None |
| Stop payment/Zero hold Fee | $25 | per item | None |
| Check Cashing (non-customers) | 2%($10 minimum) | per item | None |
| Check Cashing (non-customers) (audience not stated, treated as personal) | 2%($10 minimum) | per item | None |
Digital & Electronic | |||
| Bill Pay (Monthly) | $6 | per month | None |
Cash & Deposit | |||
| Coin Counting (non-customers) | 5%($3 minimum) | Not stated | None |
| Coin Counting (non-customers) (audience not stated, treated as personal) | 5%($3 minimum) | Not stated | None |
| Credit / Debit Card Cash Advance | $5 | Not stated | None |
| Night Depository Fee Extra Key | $25Not compared: Annual charge, not per item | per year | None |
Account Services | |||
| 10x10= | $75 | per year | None |
| 3X10= | $30 | per year | None |
| 3X5= | $20 | per year | None |
| 3X5=$20.003X10=$30.005X10=$50.0010x10 | $75 | Not stated | None |
| 5X10= | $50 | per year | None |
| Safe Deposit Box rental annual fee rent charged to checking account | $5 | per year | None |
| Levy/Garnishment Fee | $50 | Not stated | None |
Other Fees | |||
| Snapshot Statement Copy | $2 | per item | None |
| Special Statement Copy | $5 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
per item
per item
per item
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Any new account closed within 90 days | $25 | Not stated | None |
| Dormant account fee | $5 | per month | None |
| Account reconciliation and research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Mail Fee | $10Not compared: Per-item charge, not monthly | per item | None |
ATM & Card | |||
| ATM withdrawal at other banks | $3 | per item | None |
| Contactless Debit Card Replacement: Standard Card | $8 | Not stated | None |
| Debit Card Replacement: Specialty Card | $13 | Not stated | None |
Wire Transfers | |||
| Domestic wire transfer FRB Incoming Wire | $30 | Not stated | None |
| International wire transfer: Outgoing | $75 | Not stated | None |
Check Services | |||
| Cashier's Check | $5 | per item | None |
| Money Orders | $5 | per item | None |
| Stop payment/Zero hold Fee | $25 | per item | None |
| Check Cashing (non-customers) | 2%($10 minimum) | per item | None |
Digital & Electronic | |||
| Bill Pay (Monthly) | $6 | per month | None |
| Business Online: Business Bill Pay | $5 | Not stated | None |
Cash & Deposit | |||
| Coin Counting (non-customers) | 5%($3 minimum) | Not stated | None |
| Credit / Debit Card Cash Advance | $5 | Not stated | None |
| Night Depository Fee Extra Key | $25Not compared: Annual charge, not per item | per year | None |
Account Services | |||
| 10x10= | $75 | per year | None |
| 3X10= | $30 | per year | None |
| 3X5= | $20 | per year | None |
| 3X5=$20.003X10=$30.005X10=$50.0010x10 | $75 | Not stated | None |
| 5X10= | $50 | per year | None |
| Safe Deposit Box rental annual fee rent charged to checking account | $5 | per year | None |
| Levy/Garnishment Fee | $50 | Not stated | None |
Other Fees | |||
| Snapshot Statement Copy | $2 | per item | None |
| Special Statement Copy | $5 | per item | None |
Oct 18, 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 Elkton Bank & Trust Company operates, and what regulators and customers have on file.
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.