12 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 1, 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 1, 2026
Call-report figures are for Guaranty Bank Inc. 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. | Guaranty Bank Inc.'s published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $51K in Q2 2026, 31% below the same quarter a year earlier ($74K).
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
Regular Checking
Can be waived with a minimum daily balance of $1,000 or more.
Overdraft (OD)
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 West Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 29% from Q3 2025 to Q2 2026, to $51K.
$51K
Guaranty Bank Inc.Median
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Guaranty Bank Inc. · $152M 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 |
|---|---|---|---|---|---|---|---|
| Guaranty Bank Inc.(this institution) | Williamson, WV | $152M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 1st Federal Savings Bank of SC, Inc. | Walterboro, SC | $152M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Pensacola | Pensacola, FL | $147M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Salem | Salem, MO | $147M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bluff View Bank | Galesville, WI | $153M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Boone Bank & Trust Co. | Boone, IA | $157M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Carmine State Bank | Carmine, TX | $149M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Savings Bank | Spillville, IA | $151M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers State Bank | Algona, IA | $150M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers Trust & Savings Bank | Earling, IA | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Bank and Trust of Memphis | Memphis, TX | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Fowler State Bank | Fowler, CO | $155M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Grand Missouri Bank | Bolivar, MO | $151M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| GSL Savings Bank | Guttenberg, NJ | $151M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hiawatha Bank and Trust Company | Hiawatha, IA | $157M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hyden Citizens Bank | Hyden, KY | $149M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Miami Savings Bank | Miamitown, OH | $148M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Oakwood Bank | Pigeon Falls, WI | $156M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Peoples Bank of Wyaconda, Missouri | Kahoka, MO | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Priority Bank | Fayetteville, AR | $153M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Schuyler Savings Bank | Kearny, NJ | $151M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sweet Water State Bank | Sweet Water, AL | $150M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Bank of Protection | Protection, KS | $154M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The Sacramento Deposit Bank | Sacramento, KY | $150M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Twin City Bank | Longview, WA | $151M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| WSB Municipal Bank | Watertown, NY | $152M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $6.25 among 8 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 Guaranty Bank Inc. (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 | $51K | −$8K | −13.6% |
| Q1 2026 | $59K | +$2K | +3.5% |
| Q4 2025 | $57K | −$15K | −20.8% |
| Q3 2025 | $72K | −$2K | −2.7% |
| Q2 2025 | $74K | −$3K | −3.9% |
| Q1 2025 | $77K | −$7K | −8.3% |
| Q4 2024 | $84K | +$1K | +1.2% |
| Q3 2024 | $83K | $0 | 0.0% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Guaranty Bank Inc.’s own schedules, with a source for each figure.
per month
per year
per statement · Account balancing assistance | $20.00/statement
per hour
per month
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Regular Checking Service charge | $10 | per month | None |
| Account closed within 90 days of opening | $10 | Not stated | None |
| Dormant Savings Accounts | $15Not compared: Annual charge, not monthly | per year | None |
| Account balancing assistance | $20Not compared: Charged per statement; comparison unavailable | per statement | Account balancing assistance | $20.00/statement |
| Account research ($25 Minimum Charge) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly/ Periodic Paper Statement | $2 | per month | None |
Overdraft & NSF | |||
| Overdraft (each item paid) | $35 | per item | None |
| Overdraft Protection ( Automatic Transfers) between accounts | $10 | per item | None |
ATM & Card | |||
| Foreign ATM transaction | $3 | Not stated | None |
| Replace ATM /Debit Card | $10 | Not stated | None |
Check Services | |||
| Cashier's check | $6 | Not stated | None |
| Stop payment - all types of items | $35 | Not stated | None |
| Counter check | $1 | per item | None |
Cash & Deposit | |||
| Deposited checks returned unpaid | $10 | per item | None |
Account Services | |||
| Safe Deposit Box 10" x 10" | $20 | per year | None |
Other Fees | |||
| Fax (received or sent) | $1Not compared: Charged per page; comparison unavailable | per page | Fax (received or sent) | $1.00/page |
| Photocopies | $0.25Not compared: Charged per page; comparison unavailable | per page | Photocopies | $0.25/page |
Nov 1, 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 Guaranty Bank Inc. operates, and what regulators and customers have on file.
In Huntington-Ashland, WV-KY-OH, Guaranty Bank Inc. holds 0.1% of bank deposits, #25 of 26, with 1 office.
The fee comparison uses its home metro, Charleston, WV.
142 offices of 44 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.
9 of 26 institutions shown. $8.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time
Only the 2026 survey has Guaranty Bank Inc. in this metro, so there is no trend to show.
Credit unions, reported separately
47 offices of 21 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.
Fee change alerts
We check once a day and send one email covering every change.