Four fees from its schedule are published so far: overdraft $30, NSF / returned item $10, dormant account $10 to $25 and 1 more.
Source: its fee schedule, read Oct 31, 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
94th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 31, 2026
Call-report figures are for Miners 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 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. | Miners 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 6.7% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (94th 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 $80K in Q2 2026, 3.6% below the same quarter a year earlier ($83K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
1 of 3 compared published fees sit above the Virginia median; 1 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 Virginia medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Dormant Account
Compared at $17.50, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Call reports for Miners 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 | $80K | −$3K | −3.6% |
| Q1 2026 | $83K | −$3K | −3.5% |
| Q4 2025 | $86K | +$1K | +1.2% |
| Q3 2025 | $85K | +$2K | +2.4% |
| Q2 2025 | $83K | −$2K | −2.4% |
| Q1 2025 | $85K | −$13K | −13.3% |
| Q4 2024 | $98K | +$2K | +2.1% |
| Q3 2024 | $96K | −$8K | −7.7% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Miners 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 Miners Exchange Bank by share.
Amounts from Miners Exchange Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant account fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Dormant account fee (audience not stated, treated as personal) | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds Fee (Returned Item Charge) (audience not stated, treated as personal) | $10Below the U.S. middle 50% ($25 to $32 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
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 Miners Exchange Bank operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $81.0M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 5 | $81.0M |
Largest competitors nearby
Local market: Wise and Norton city counties, VA, where it holds the most deposits.
| 8 in its local market | Deposit share |
|---|---|
| The First Bank and Trust Company | 27.8% |
| Powell Valley National Bank | 18.9% |
| Truist Bank | 15.1% |
| Wells Fargo Bank, National Association | 14.5% |
| New Peoples Bank, Inc. | 6.1% |
This bank holds 9.6% 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
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows