Fees from its schedule are under review and appear here once review is done.
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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
98th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 29, 2026
Call-report figures are for Central Bank 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 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. | Central Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 29, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 9.4% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (98th 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 $183K in Q2 2026, 8.3% above the same quarter a year earlier ($169K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Central Bank (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 | $183K | −$5K | −2.7% |
| Q1 2026 | $188K | +$2K | +1.1% |
| Q4 2025 | $186K | +$11K | +6.3% |
| Q3 2025 | $175K | +$6K | +3.6% |
| Q2 2025 | $169K | +$2K | +1.2% |
| Q1 2025 | $167K | −$27K | −13.9% |
| Q4 2024 | $194K | +$3K | +1.6% |
| Q3 2024 | $191K | +$4K | +2.1% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Central Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Central Bank by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Monthly Fee if Balance Falls Under at Any Time During the Statement Cycle. Fees Apply to Account Holders 24 and Older (audience not stated, treated as personal) | $6 | per month | None |
| Monthly Service Charge (Golden NOW Account) (audience not stated, treated as personal) | $12.50 | per month | None |
| Monthly Service Charge (NOW Account) (audience not stated, treated as personal) | $12.50 | per month | None |
| Monthly Service Charge Only if Daily Balance Falls Below on Any Day of Month (audience not stated, treated as personal) | $12.50 | per month | None |
| Account Research (audience not stated, treated as personal) | $1 | per item | None |
Other feesUnder review | |||
| 6 withdrawals allowed per month ( (audience not stated, treated as personal) | $12.50 | per month | None |
| Monthly charge (Passbook Savings) (audience not stated, treated as personal) | $3 | per month | None |
| Monthly Fee (Choice Checking) (audience not stated, treated as personal) | $6 | per month | None |
| Monthly Fee if Balance Falls Under at Any Time During the Statement Cycle. Fees Apply to Account Holders 24 and Older (audience not stated, treated as personal) | $6 | per month | None |
| Monthly Service Charge (Golden NOW Account) (audience not stated, treated as personal) | $12.50 | per month | None |
| Monthly service charge (Money Market) (audience not stated, treated as personal) | $12.50 | per month | None |
| Monthly Service Charge (NOW Account) (audience not stated, treated as personal) | $12.50 | per month | None |
| Monthly Service Charge Only if Daily Balance Falls Below on Any Day of Month (audience not stated, treated as personal) | $12.50 | per month | None |
| No More than 6 Withdrawals Per Month (A service charge fee of (audience not stated, treated as personal) | $1 | per item | None |
| Notary Service (audience not stated, treated as personal) | $12.50 | per month | None |
| Open a new account with just (audience not stated, treated as personal) | $10 | per month | 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 29, 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 Central Bank operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $141.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $141.1M |
Largest competitors nearby
Local market: Hardin and McNairy counties, TN, where it holds the most deposits.
| 11 in its local market | Deposit share |
|---|---|
| The Hardin County Bank | 43.7% |
| CB&S Bank, Inc. | 9.4% |
| The Huntington National Bank | 8.5% |
| Home Banking Company | 7.2% |
| Regions Bank | 5.3% |
This bank holds 10.3% 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.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows