Compared with Ohio
3 of 7
compared fees are above the median.
2 below, 2 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
72nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Ohio median
of 7 compared; 2 below, 2 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Home National 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 Ohio median | Published fees above the Ohio median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Home National Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.2% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (72nd 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 $38K in Q2 2026, 19% above the same quarter a year earlier ($32K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
3 of 7 compared published fees sit above the Ohio 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 Ohio medians for fees published by banks and credit unions.
Wire Transfer (Domestic Out)
Compared at $45, the middle of its prices
Debit Card Replacement
Deposited Item Return
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 8.6% from Q3 2025 to Q2 2026, to $38K. Its share of revenue, 3.2%, is above the 2.1% median for banks with under $300M in assets.
$38K
Home National 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.
Home National Bank · $95M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Home National Bank(this institution) | Racine, OH | $95M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| Bank of Lake Village | Lake Village, AR | $91M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 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 Bank and Trust Company | Minden, NE | $91M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| First State Bank | Watonga, OK | $90M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| Rockland Savings Bank, FSB | Rockland, ME | $91M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| The Stock Exchange Bank, Caldwell, Kansas | Caldwell, KS | $90M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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 · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8.25 among 12 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 Oct 28, 2026.
Monthly maintenance fee in dollars, one mark per institution
Home National Bank 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 Oct 28, 2026. Total assets from FDIC and NCUA records.
Call reports for Home National 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 | $38K | +$7K | +22.6% |
| Q1 2026 | $31K | −$5K | −13.9% |
| Q4 2025 | $36K | +$1K | +2.9% |
| Q3 2025 | $35K | +$3K | +9.4% |
| Q2 2025 | $32K | −$11K | −25.6% |
| Q1 2025 | $43K | +$7K | +19.4% |
| Q4 2024 | $36K | +$7K | +24.1% |
| Q3 2024 | $29K | −$1K | −3.3% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Home National Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Home National Bank by share.
Amounts from Home National Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
ATM & Card | |||
| Replace Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers Outgoing lor Customers | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transler Outgoing lnternational for Customers | $70Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Counter Checks Encoding | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Cash & Deposit | |||
| Coin Counting (audience not stated, treated as personal) | 10% | Not stated | None |
| Coin Counting lor Non-Customer minimum amount | $5Above the U.S. middle 50% ($0 to $2.55 nationally) | Not stated | None |
| Returned Deposit ltem Fee (per item or re-presented item) | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Services for Non Customers | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishments per ltem | $75Inside the U.S. middle 50% ($30 to $85 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 5, 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 Home National Bank operates, and what regulators and customers have on file.
Branch footprint
4 offices in 2 states, $84.0M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $84.0M |
Largest competitors nearby
Local market: Meigs county, OH, where it holds the most deposits in its main state.
| 2 in its local market | Deposit share |
|---|---|
| The Farmers Bank and Savings Company | 55.4% |
| Peoples Bank | 22.2% |
This bank holds 22.3% 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
3 past actions
Past
OCC. Ended May 19, 2003
OCC, penalty $5K
OCC. Ended April 30, 2001
Source: public enforcement action lists from the OCC and 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.