The Commercial Bank Of Ozark

Headquarters: Ozark, Alabama
Charter: Bank
Assets: $115.2M
Fed district: Atlanta
Regulator: FDIC
Holding company: Commercial Bancshares Ozark

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

Overview

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 2, 2026

How these figures are measured

Call-report figures are for The Commercial Bank Of Ozark 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.	The Commercial Bank Of Ozark's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: The Commercial Bank Of Ozark (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $59K in Q2 2026, 7.3% above the same quarter a year earlier ($55K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $4, the middle of its prices
The Commercial Bank Of Ozark: $2 to $7
The Commercial Bank Of Ozark: $2 to $7
U.S. median: no median
NSF / Returned Item
The Commercial Bank Of Ozark: $32.50
The Commercial Bank Of Ozark: $32.50
U.S. median: no median
Stop Payment
The Commercial Bank Of Ozark: $32.50
The Commercial Bank Of Ozark: $32.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Alabama: Banks and credit unions headquartered in Alabama that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $59K.

Service-charge income, Q2 2026

$59K

$59KQ3 2025

$63KQ4 2025

$56KQ1 2026

$59KQ2 2026

Against the median

The Commercial Bank Of OzarkMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

The Commercial Bank Of Ozark · $115M 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.

Banks only
$110M to $120M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
The Commercial Bank Of Ozark(this institution)	Ozark, AL	$115M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Bank of New Madrid	New Madrid, MO	$117M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank	Bristow, OK	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Savings Bank	Bethel, OH	$120M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Countryside Bank	Unadilla, NE	$119M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Farmers & Merchants Bank of North Dakota	Tolna, ND	$120M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers and Mechanics Federal Savings Bank	Bloomfield, IN	$114M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank	Heavener, OK	$113M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First State Bank of Bigfork	Bigfork, MN	$117M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Bank of Le Center	Le Center, MN	$110M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Henderson Federal Savings Bank	Henderson, TX	$118M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Metz Banking Company	Nevada, MO	$117M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mid-Central National Bank	Wadena, MN	$117M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Monroe Savings Bank	Williamstown, NJ	$114M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Peoples Bank of Greensboro	Greensboro, AL	$116M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Portage Bank	Bellevue, WA	$116M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Richland County Bank	Richland Center, WI	$114M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rushford State Bank (Incorporated)	Rushford, MN	$115M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Farmers State Bank of Brush	Brush, CO	$117M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Granville National Bank	Granville, IL	$118M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Hamilton Bank	Hamilton, MO	$120M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Lytle State Bank of Lytle, Texas	Lytle, TX	$115M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Peoples Bank	Sardis, TN	$113M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Peoples Savings and Loan Company	West Liberty, OH	$110M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Twin Cedars Bank	Bussey, IA	$118M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Bank & Trust Co.	Marshalltown, IA	$120M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.25 (45%) below the median of similar-sized banks.

Compared at $4, the middle of its three prices, against a peer median of $7.25 among 12 publishing peers.

Its three checking prices are $2, $4 and $7.

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

The Commercial Bank Of Oz…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for The Commercial Bank Of Ozark (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $59K
vs prior quarter: +$3K+5.4%; from Q1 2026
vs a year earlier: +$4K+7.3%; from Q2 2025
vs start of range: −$6K−9.2%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: The Commercial Bank Of Ozark (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$59K	+$3K	+5.4%
Q1 2026	$56K	−$7K	−11.1%
Q4 2025	$63K	+$4K	+6.8%
Q3 2025	$59K	+$4K	+7.3%
Q2 2025	$55K	+$1K	+1.9%
Q1 2025	$54K	$0	0.0%
Q4 2024	$54K	−$11K	−16.9%
Q3 2024	$65K	+$4K	+6.6%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The Commercial Bank Of Ozark’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$2
per month
Regular Checking Service charge$7
per month
Service Charge$4
Account Research (Per hour-1/2 hr. min)$32.50
Not compared: Charged per hour; comparison unavailable
per hour · Account Research (Per hour-1/2 hr. min) | $32.50
Debit Card Chargeback$32.50

Overdraft & NSF

Nonsufficient Funds (NSF) item$32.50
per item
Nonsufficient Funds ACH (Preauthorized Withdrawal)$32.50
Nonsufficient Funds ATM Withdrawal$32.50

ATM & Card

Replacement Card$10

Wire Transfers

International Wires-Outgoing$65

Check Services

Official Checks: Customer$5
Official Checks: Non-Customer$10
Travelers Express Money Orders: Customer$2.50
Travelers Express Money Orders: Non-Customer$5
Stop Payment (All Items)$32.50
Collection Items$25

Cash & Deposit

Deposited check returned unpaid$4.50

Account Services

Notary Service- Non Customer$10
Safe Deposit Box Rent (Annually)$35
per year
Garnishment or Levy$50

Other Fees

Photocopies (per page)$1
Not compared: Charged per page; comparison unavailable
per page · Photocopies (per page) | $1.00

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$2	per month	None
Regular Checking Service charge	$7	per month	None
Service Charge	$4	Not stated	None
Account Research (Per hour-1/2 hr. min)	$32.50Not compared: Charged per hour; comparison unavailable	per hour	Account Research (Per hour-1/2 hr. min) \| $32.50
Debit Card Chargeback	$32.50	Not stated	None
Overdraft & NSF
Nonsufficient Funds (NSF) item	$32.50	per item	None
Nonsufficient Funds ACH (Preauthorized Withdrawal)	$32.50	Not stated	None
Nonsufficient Funds ATM Withdrawal	$32.50	Not stated	None
ATM & Card
Replacement Card	$10	Not stated	None
Wire Transfers
International Wires-Outgoing	$65	Not stated	None
Check Services
Official Checks: Customer	$5	Not stated	None
Official Checks: Non-Customer	$10	Not stated	None
Travelers Express Money Orders: Customer	$2.50	Not stated	None
Travelers Express Money Orders: Non-Customer	$5	Not stated	None
Stop Payment (All Items)	$32.50	Not stated	None
Collection Items	$25	Not stated	None
Cash & Deposit
Deposited check returned unpaid	$4.50	Not stated	None
Account Services
Notary Service- Non Customer	$10	Not stated	None
Safe Deposit Box Rent (Annually)	$35	per year	None
Garnishment or Levy	$50	Not stated	None
Other Fees
Photocopies (per page)	$1Not compared: Charged per page; comparison unavailable	per page	Photocopies (per page) \| $1.00

Correct a fee source

Nov 2, 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.

Branches and public record

Where The Commercial Bank Of Ozark operates, and what regulators and customers have on file.

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 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

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