19 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 4, 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 Nov 4, 2026
Call-report figures are for Texas 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 | 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. | Texas Bank and Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $1.2M in Q2 2026, 2.2% above the same quarter a year earlier ($1.2M).
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
TBT Preferred Interest Checking
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was about level from Q3 2025 to Q2 2026, at $1.2M.
$1.2M
Texas Bank and Trust CompanyMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Texas Bank and Trust Company · $4.3B 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 |
|---|---|---|---|---|---|---|---|
| Texas Bank and Trust Company(this institution) | Longview, TX | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 |
| Capital City Bank | Tallahassee, FL | $4.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Bank & Trust Co. | Lexington, KY | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Civista Bank | Sandusky, OH | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| First Bank | Hamilton, NJ | $4.1B | Monthly maintenance not published | Out-of-network ATM not published | 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 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 |
| Gate City Bank | Fargo, ND | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 |
| PeoplesBank | Holyoke, MA | $4.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank | Elberton, GA | $4B | Monthly maintenance not published | Out-of-network ATM not published | 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 |
| River Bank & Trust | Prattville, AL | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Spencer Savings Bank, SLA | Elmwood Park, NJ | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 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 |
| Union Savings Bank | Cincinnati, OH | $4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | 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 |
| West Bank | West Des Moines, IA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Woori America Bank | New York, NY | $4.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $8, against a peer median of $8 among 17 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
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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Texas 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 | $1.2M | +$3K | +0.2% |
| Q1 2026 | $1.2M | +$24K | +2.0% |
| Q4 2025 | $1.2M | −$25K | −2.0% |
| Q3 2025 | $1.2M | +$25K | +2.1% |
| Q2 2025 | $1.2M | +$26K | +2.2% |
| Q1 2025 | $1.2M | −$78K | −6.2% |
| Q4 2024 | $1.3M | $0 | 0.0% |
| Q3 2024 | $1.3M | +$46K | +3.8% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Texas Bank and Trust Company’s own schedules, with a source for each figure.
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| TBT Preferred Interest Checking Monthly service fee | $8 | per month | None |
| Early Account Closure (closed within 90 days of opening) | $25 | Not stated | None |
| Account/Statement Research | $20Not compared: Charged per hour; comparison unavailable | per hour | Account/Statement Research: $20 per hour |
| Returned Mail Fee | $5 | Not stated | None |
Overdraft & NSF | |||
| Return Item Fee | $30 | Not stated | None |
| Sweep Transfers | $5 | Not stated | None |
ATM & Card | |||
| Balance inquiry | $0.75 | Not stated | None |
| Replacement card | $5 | Not stated | None |
| Express Shipping (domestic U.S. only) | $25 | Not stated | None |
| Foreign Transaction Fee | 1%of the transaction | Not stated | None |
| Foreign Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wires: Outgoing Domestic | $25 | Not stated | None |
| Wires: Incoming Domestic | $5 | Not stated | None |
| Wires: Incoming International | $15 | Not stated | None |
Check Services | |||
| Cashier's Check (customers only) | $3 | Not stated | None |
| Stop Payment | $30 | per item | None |
| Temporary Checks | $5 | per item | for 8 checks |
| Check Copies | $1Not compared: Charged per page; comparison unavailable | per page | Check Copies: $1 per page |
Cash & Deposit | |||
| Chargebacks | $5 | per item | None |
Account Services | |||
| Notary Services (customers only) | No charge | Not stated | None |
| Drilling Fee | $175Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement Fee | $15Not compared: Box drilling or key fee | Not stated | None |
| Late Payment Fee (applied after 30 days) | $10Not compared: Box drilling or key fee | Not stated | None |
| Levy/Garnishment/Government Freeze | $100 | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards (customers only; purchase fee) | $3 | Not stated | None |
Other Fees | |||
| UPS Shipping Fee | $12.50 | Not stated | None |
| Statement Copies | $5Not compared: Charged per statement; comparison unavailable | per statement | Statement Copies: $5 per statement |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 4, 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 Texas Bank and Trust Company operates, and what regulators and customers have on file.
In Longview, TX, Texas Bank and Trust Company holds 23% of bank deposits, #1 of 25, with 8 offices.
117 offices of 34 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 25 institutions shown. $8.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 23% share, 8 offices, #1 of 25
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
33 offices of 10 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve and Texas Department of Banking
The Federal Reserve and Texas Department of Banking have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve and Texas Department of Banking, 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.