Compared with Alabama
2 of 4
compared fees are above the median.
2 below, 0 about the same.
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
86th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Alabama median
of 4 compared; 2 below, 0 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Peoples Exchange 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 Alabama median | Published fees above the Alabama median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Peoples Exchange Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.7% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (86th 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 $48K in Q2 2026, 14% above the same quarter a year earlier ($42K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 4 compared published fees sit above the Alabama median; 2 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 Alabama medians for fees published by banks and credit unions.
Monthly Maintenance
Regular Checking $7 · Now Account $10
Compared at $8.50, the middle of its prices
Cashier's Check
Safe Deposit Box
Compared at $22.50, the middle of its prices
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.
Service-charge income rose 9.1% from Q3 2025 to Q2 2026, to $48K. Its share of revenue, 4.7%, is above the 2.1% median for banks with under $300M in assets.
$48K
Peoples Exchange BankMedian
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. *Monthly maintenance: Listed at $7 to $10; we compare the midpoint.
Peoples Exchange Bank · $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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Peoples Exchange Bank(this institution) | Monroeville, AL | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Citizens Bank & Trust Co. | Marks, MS | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | 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 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.
Peer pricing snapshot
Compared at $8.50, the middle of its two prices, against a peer median of $7.75 among 10 publishing peers.
Its two checking prices are $7 and $10.
$8.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 28, 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 Oct 28, 2026. Total assets from FDIC and NCUA records.
Call reports for Peoples Exchange 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 | $48K | −$9K | −15.8% |
| Q1 2026 | $57K | −$34K | −37.4% |
| Q4 2025 | $91K | +$47K | +106.8% |
| Q3 2025 | $44K | +$2K | +4.8% |
| Q2 2025 | $42K | $0 | 0.0% |
| Q1 2025 | $42K | −$4K | −8.7% |
| Q4 2024 | $46K | −$1K | −2.1% |
| Q3 2024 | $47K | −$6K | −11.3% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Peoples Exchange Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Peoples Exchange Bank by share.
Amounts from Peoples Exchange Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Now Account Monthly Service Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Regular Checking Monthly Service Fee (audience not stated, treated as personal) | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Closing Fee (Account Closed within 60 days) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier Checks (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box 3” x 10” (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3” x 5” (audience not stated, treated as personal) | $14Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” x 10” (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” x 5” (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | 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 31, 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 Peoples Exchange Bank operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $86.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 1 | $86.6M |
Largest competitors nearby
Local market: Monroe county, AL, where it holds the most deposits.
| 5 in its local market | Deposit share |
|---|---|
| United Bank | 30.8% |
| Trustmark Bank | 28.6% |
| Regions Bank | 11% |
| The First National Bank and Trust | 8.4% |
| Woodforest National Bank | 0.6% |
This bank holds 20.6% 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.