Compared with Missouri
8 of 20
compared fees are above the median.
4 below, 8 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
73rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Missouri median
of 20 compared; 4 below, 8 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Bank of Salem 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 Missouri median | Published fees above the Missouri median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Bank of Salem's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.3% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (73rd 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 $45K in Q2 2026, 4.7% above the same quarter a year earlier ($43K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 20 compared published fees sit above the Missouri median; 4 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 Missouri medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Missouri, 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 rose 2.3% from Q3 2025 to Q2 2026, to $45K. Its share of revenue, 3.3%, is above the 2.1% median for banks with under $300M in assets.
$45K
Bank of SalemMedian
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.
Bank of Salem · $147M 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 |
|---|---|---|---|---|---|---|---|
| Bank of Salem(this institution) | Salem, MO | $147M | Monthly maintenance not published | Publishes Out-of-network ATM | 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 Plus | Estherville, IA | $145M | 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 |
| 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 |
| 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 |
| Jonesburg State Bank | Jonesburg, MO | $146M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Miami Savings Bank | Miamitown, OH | $148M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Millbury National Bank | Millbury, MA | $147M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| River Falls State Bank | River Falls, WI | $143M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Schuyler Savings Bank | Kearny, NJ | $151M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Security Bank of Southwest Missouri | Cassville, MO | $147M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 First National Bank in Cimarron | Cimarron, KS | $143M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First State Bank of Rosemount | Rosemount, MN | $146M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Peoples Bank | Taylorsville, KY | $145M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | 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 |
| Union Federal Savings and Loan Association | Kewanee, IL | $146M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Vermilion Bank & Trust Company | Kaplan, LA | $145M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | 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
The peer median is $7 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 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Bank of Salem does not publish a monthly maintenance fee, so it is not on this chart.
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 Bank of Salem (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 | $45K | +$5K | +12.5% |
| Q1 2026 | $40K | −$5K | −11.1% |
| Q4 2025 | $45K | +$1K | +2.3% |
| Q3 2025 | $44K | +$1K | +2.3% |
| Q2 2025 | $43K | −$3K | −6.5% |
| Q1 2025 | $46K | +$8K | +21.1% |
| Q4 2024 | $38K | −$17K | −30.9% |
| Q3 2024 | $55K | +$10K | +22.2% |
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 Salem 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 Salem by share.
Amounts from Bank of Salem’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per day
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Premature account closing (within 90 days) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant checking account (12 months no activity, per month) | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive checking account fee (six months no activity, per month) | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Records research (per hour) (audience not stated, treated as personal) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee (Basic Checking and Interest Checking accounts only) (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee (per item presented and paid) (audience not stated, treated as personal) | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds / NSF Fee | $29Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Continuous overdraft fee (per day on fourth business day) | $6Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Non-proprietary ATM use (per transaction) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit/ATM card replacement (per card) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing wire (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming wire (audience not stated, treated as personal) | $12.50Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International outgoing wire (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| International incoming wire (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s checks (any amount) | $6Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop payments (per item) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| Unauthorized ACH return (per item) (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
| Online Bill Pay (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Charge back deposited return item (per item) | $5Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary fee (non-customer) | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Replace safe deposit box key (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe deposit box late payment >30 days (audience not stated, treated as personal) | $10Not compared: Box drilling or key fee | Not stated | None |
| Tax levy/garnishment (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA close and transfer (for external transfer) | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Fax services (per fax sent or received) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies (per page) (audience not stated, treated as personal) | $1Below the U.S. middle 50% ($2 to $5 nationally) | 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
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant checking account (12 months no activity, per month) | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive checking account fee (six months no activity, per month) | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Insufficient Funds / NSF Fee | $29Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Continuous overdraft fee (per day on fourth business day) | $6Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Non-proprietary ATM use (per transaction) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit/ATM card replacement (per card) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Cashier’s checks (any amount) | $6Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Online business banking stop payments (per item) | $15 | per item | None |
Digital & Electronic | |||
| Online business banking ACH origination (per file) | $5 | per item | None |
Cash & Deposit | |||
| Charge back deposited return item (per item) | $5Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary fee (non-customer) | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA close and transfer (for external transfer) | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Fax services (per fax sent or received) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 15, 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 Salem operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $132.9M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $132.9M |
Largest competitors nearby
Local market: Dent county, MO, where it holds the most deposits.
| 2 in its local market | Deposit share |
|---|---|
| Town & Country Bank | 41.9% |
| Progressive Ozark Bank | 14.5% |
This bank holds 43.6% 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.