Compared with Kentucky
1 of 16
compared fees are above the median.
9 below, 6 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
81st percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kentucky median
of 16 compared; 9 below, 6 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Bank of Clarkson 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 1,681 banks with under $300M 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 Kentucky median | Published fees above the Kentucky median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Bank of Clarkson's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.1% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (81st 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 $79K in Q2 2026, 9.2% below the same quarter a year earlier ($87K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
1 of 16 compared published fees sit above the Kentucky median; 9 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 Kentucky medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Now Account $5 · VIP Club Account $6 to $8
Compared at $6.50, the middle of its prices
Overdraft (OD)
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 15% from Q3 2025 to Q2 2026, to $79K. Its share of revenue, 4.1%, is above the 2.1% median for banks with under $300M in assets.
$79K
Bank of ClarksonMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $8; we compare the midpoint.
Bank of Clarkson · $178M 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 |
|---|---|---|---|---|---|---|---|
| Bank of Clarkson(this institution) | Clarkson, KY | $178M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Hydro | Hydro, OK | $181M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Prairie Village | Prairie Village, KS | $176M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bank of South Texas | Mcallen, TX | $175M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Citizens Bank and Trust of Lebanon, Inc. | Lebanon, KY | $173M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community State Bank | Royal Center, IN | $176M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers National Bank | Phillipsburg, KS | $173M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers State Bank & Trust Co. | Church Point, LA | $175M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First New Mexico Bank, Las Cruces | Las Cruces, NM | $172M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Iroquois Farmers State Bank | Iroquois, IL | $174M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| LNB Community Bank | Lynnville, IN | $181M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Peoples Bank | Paris, TX | $185M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pine River State Bank | Pine River, MN | $185M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sharon Bank | Springfield, PA | $173M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Slovenian Savings and Loan Association of Franklin-Conemaugh | Conemaugh, PA | $181M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of Southwest Missouri | Springfield, MO | $184M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of Whittington | Benton, IL | $180M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Farmers State Bank of Aliceville, Kansas | Westphalia, KS | $180M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First State Bank of Shelby | Shelby, MT | $176M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Goose River Bank | Mayville, ND | $173M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Warrington Bank | Pensacola, FL | $174M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Town Center Bank | Frankfort, IL | $181M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Twin River Bank | Lewiston, ID | $173M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Union Savings Bank | Freeport, IL | $182M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Utah Independent Bank | Salina, UT | $171M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Woodland Bank | Deer River, MN | $177M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 $6.50, the middle of its four prices, against a peer median of $6.75 among 14 publishing peers.
Its four checking prices are $5, $6, $7 and $8.
$6.50 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 31, 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Bank of Clarkson (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 | $79K | −$17K | −17.7% |
| Q1 2026 | $96K | +$1K | +1.1% |
| Q4 2025 | $95K | +$2K | +2.2% |
| Q3 2025 | $93K | +$6K | +6.9% |
| Q2 2025 | $87K | +$1K | +1.2% |
| Q1 2025 | $86K | −$13K | −13.1% |
| Q4 2024 | $99K | +$4K | +4.2% |
| Q3 2024 | $95K | +$8K | +9.2% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Bank of Clarkson 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 Clarkson by share.
Amounts from Bank of Clarkson’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge for Basic Plans | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge for Family Plans | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge for Personal Plans | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Now Account Service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research Fee - Per Item | $5Below the U.S. middle 50% ($6.25 to $25 nationally) | per item | None |
| Account Research Fees; Per item charge (checks, statements, etc.) | $5Below the U.S. middle 50% ($6.25 to $25 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft Item Charge | $20Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Return Item Charge | $20Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM/Debit Card transactions at all other ATM's | $0.75Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Debit Card Replacement Fee | $12Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ATM/Debit Card - International (audience not stated, treated as personal) | 1% | Not stated | None |
Wire Transfers | |||
| Wire Transfer Outgoing; "Customers Only" - Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Incoming; "Customers Only" | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Outgoing; "Customers Only" - International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check - "Customers Only" | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Request (if amount, payee and check number are given) | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Request (incomplete information) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check Fee (per printed page) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
Digital & Electronic | |||
| Internet Banking and Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary Service - "Customers Only" | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safety Deposit Box; Drill and replace lock | $75Not compared: Box drilling or key fee | Not stated | None |
| Safety Deposit Box; Lost Key (1) | $25Not compared: Box drilling or key fee | Not stated | None |
| Attachments, Garnishments & Levies (each occurence) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| State Levy (fee determined by levy) | No chargeBelow the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Fax Charges (each additional page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax Charges (first page) | $2Inside 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 16, 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 Clarkson operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $149.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $149.7M |
Largest competitors nearby
Local market: Grayson county, KY, where it holds the most deposits.
| 3 in its local market | Deposit share |
|---|---|
| The Cecilian Bank | 41.2% |
| Wilson & Muir Bank & Trust Company | 31.8% |
| The Sacramento Deposit Bank | 6.6% |
This bank holds 20.4% 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.