Citizens Bank & Trust Co.

Headquarters: Marks, Mississippi
Charter: Bank
Assets: $98.6M
Fed district: St. Louis
Regulator: FDIC
Holding company: Cb&t Bancshares Inc.

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

Source: its fee schedule, read Oct 28, 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 Oct 28, 2026

How these figures are measured

Call-report figures are for Citizens Bank & Trust Co. 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.	Citizens Bank & Trust Co.'s published fee schedule; Bank Fee Index medians	Current schedule	Oct 28, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Citizens Bank & Trust Co. (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 $85K in Q2 2026, 11% below the same quarter a year earlier ($95K).
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
Basic Checking Account $5 · NOW Account $8 · Regular Checking Account $8
Compared at $8, the middle of its prices
Citizens Bank & Trust Co.: $5 to $8
Citizens Bank & Trust Co.: $5 to $8
U.S. median: no median
Overdraft (OD)
Citizens Bank & Trust Co.: $35
Citizens Bank & Trust Co.: $35
U.S. median: no median
NSF / Returned Item
Citizens Bank & Trust Co.: $35
Citizens Bank & Trust Co.: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 28, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Mississippi, the St. Louis 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).
Mississippi: Banks and credit unions headquartered in Mississippi that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 fell 12% from Q3 2025 to Q2 2026, to $85K.

Service-charge income, Q2 2026

$85K

$97KQ3 2025

$87KQ4 2025

$84KQ1 2026

$85KQ2 2026

Against the median

Citizens Bank & Trust Co.Median

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

Citizens Bank & Trust Co. · $99M 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.

Banks only
$93M to $105M in assets
Headquartered in 15 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
Citizens Bank & Trust Co.(this institution)	Marks, MS	$99M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Auburn Savings Bank, FSB	Auburn, ME	$103M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Calhoun County	Hardin, IL	$100M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank of Missouri	Richmond, MO	$94M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank of Oelwein	Oelwein, IA	$95M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Bank Owatonna	Owatonna, MN	$103M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community First Bank	Rosholt, WI	$98M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First Federal Savings Bank of Washington	Washington, IN	$94M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Gunnison Savings and Loan Association	Gunnison, CO	$102M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Home National Bank	Racine, OH	$95M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Integrity Bank Plus	Wabasso, MN	$93M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Investors Community Bank	Chillicothe, MO	$98M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Johnson State Bank	Johnson, KS	$97M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Junction National Bank	Junction, TX	$93M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mayville State Bank	Mayville, MI	$95M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Miners Exchange Bank	Coeburn, VA	$93M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mutual Federal Bank	Chicago, IL	$97M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples Exchange Bank	Monroeville, AL	$99M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Peoples First Savings Bank	Mason, OH	$100M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Citizens National Bank of McConnelsville	McConnelsville, OH	$102M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Exchange State Bank of St. Paul, Kansas	Saint Paul, KS	$105M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First National Bank of Germantown	Germantown, OH	$96M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Johnson	Johnson, NE	$96M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Miners National Bank of Eveleth	Eveleth, MN	$97M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Ottoville Bank Company	Ottoville, OH	$94M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Security Bank	Fulton, MO	$97M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $0.25 (3%) below the median of similar-sized banks.

Compared at $8, the middle of its three prices, against a peer median of $8.25 among 10 publishing peers.

Its three checking prices are $5, $8 and $8.

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 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Citizens Bank & Trust Co.: 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 4, 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 Citizens Bank & Trust Co. (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: $85K
vs prior quarter: +$1K+1.2%; from Q1 2026
vs a year earlier: −$10K−10.5%; from Q2 2025
vs start of range: −$20K−19.0%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Citizens Bank & Trust Co. (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	$85K	+$1K	+1.2%
Q1 2026	$84K	−$3K	−3.4%
Q4 2025	$87K	−$10K	−10.3%
Q3 2025	$97K	+$2K	+2.1%
Q2 2025	$95K	+$5K	+5.6%
Q1 2025	$90K	−$5K	−5.3%
Q4 2024	$95K	−$10K	−9.5%
Q3 2024	$105K	+$3K	+2.9%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Citizens Bank & Trust Co.’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Account Monthly service charge$5
per month · No balance requirement
Monthly Maintenance$8
per month
Regular Checking Account Monthly service charge$8
per month
Dormant Account$15
Not compared: Annual charge, not monthly
per year
Account Reconciliation/Research$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation/Research | $20.00 Hourly

Overdraft & NSF

Overdraft (each Overdraft Paid)$35
per item
Non-sufficient Funds Items (Each)$35
per item
Nonsufficient funds (NSF) fee - each returned item/payment$35
per item

ATM & Card

Replacement Debit Card$5

Wire Transfers

Wire Transfers: Domestic Incoming$10
Wire Transfers Outgoing (Non-Foreign)$30
Wire Transfers Incoming (Non-Foreign)$10

Check Services

Cashier's Checks$10
Stop Payment ACH/Check/Alerts$35
per item
Stop Payment and Alerts$35
Collection Items (Sent and Received)$50
Account Research - Check Copies$1
Not compared: Charged per page; comparison unavailable
per page

Digital & Electronic

ACH Origination (Monthly)$50
Not compared: Monthly charge, not per item
per month
Internet Bill Pay (Monthly)No charge
per month

Cash & Deposit

Deposited Checks Returned Unpaid (Each)$10
per item
Returned Deposited Item$10

Account Services

Safe Deposit Box 10 x 10"$85
Safe Deposit Box 3 x 10"$35
Safe Deposit Box 3 x 5"$25
Safe Deposit Box 5 x 10"$45
Safe Deposit Box 5 x 5"$30
Garnishments and Levies (Each)$35
per item
Legal Processing Garnishments$35

Other Fees

Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Account Monthly service charge	$5	per month	No balance requirement
Monthly Maintenance	$8	per month	None
Regular Checking Account Monthly service charge	$8	per month	None
Dormant Account	$15Not compared: Annual charge, not monthly	per year	None
Account Reconciliation/Research	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation/Research \| $20.00 Hourly
Overdraft & NSF
Overdraft (each Overdraft Paid)	$35	per item	None
Non-sufficient Funds Items (Each)	$35	per item	None
Nonsufficient funds (NSF) fee - each returned item/payment	$35	per item	None
ATM & Card
Replacement Debit Card	$5	Not stated	None
Wire Transfers
Wire Transfers: Domestic Incoming	$10	Not stated	None
Wire Transfers Outgoing (Non-Foreign)	$30	Not stated	None
Wire Transfers Incoming (Non-Foreign)	$10	Not stated	None
Check Services
Cashier's Checks	$10	Not stated	None
Stop Payment ACH/Check/Alerts	$35	per item	None
Stop Payment and Alerts	$35	Not stated	None
Collection Items (Sent and Received)	$50	Not stated	None
Account Research - Check Copies	$1Not compared: Charged per page; comparison unavailable	per page	None
Digital & Electronic
ACH Origination (Monthly)	$50Not compared: Monthly charge, not per item	per month	None
Internet Bill Pay (Monthly)	No charge	per month	None
Cash & Deposit
Deposited Checks Returned Unpaid (Each)	$10	per item	None
Returned Deposited Item	$10	Not stated	None
Account Services
Safe Deposit Box 10 x 10"	$85	Not stated	None
Safe Deposit Box 3 x 10"	$35	Not stated	None
Safe Deposit Box 3 x 5"	$25	Not stated	None
Safe Deposit Box 5 x 10"	$45	Not stated	None
Safe Deposit Box 5 x 5"	$30	Not stated	None
Garnishments and Levies (Each)	$35	per item	None
Legal Processing Garnishments	$35	Not stated	None
Other Fees
Photocopies	$1	per item	None

Correct a fee source

Oct 28, 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.

Fee change alerts

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