Compared with Texas
6 of 13
compared fees are above the median.
4 below, 3 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
92nd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Texas median
of 13 compared; 4 below, 3 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for Austin Bank, Texas National Association 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 869 banks with $1B to $10B 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 Texas median | Published fees above the Texas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Austin Bank, Texas National Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 5.8% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (92nd 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 $2.8M in Q2 2026, 3.7% above the same quarter a year earlier ($2.7M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 13 compared published fees sit above the Texas median; 4 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 Texas medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $2.50, the middle of its prices
Monthly Maintenance
Can be waived with a balance of $200 or more.
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 1.2% from Q3 2025 to Q2 2026, to $2.8M. Its share of revenue, 5.8%, is above the 2.2% median for banks with $1B to $10B in assets.
$2.8M
Austin Bank, Texas National AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $2 to $3; we compare the midpoint.
Austin Bank, Texas National Association · $3.3B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Austin Bank, Texas National Association(this institution) | Jacksonville, TX | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Academy Bank, National Association | Kansas City, MO | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Banco do Brasil Americas | Miami, FL | $3.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BankFirst Financial Services | Columbus, MS | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bankwell Bank | New Canaan, CT | $3.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Banterra Bank | Marion, IL | $3.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Centreville Bank | West Warwick, RI | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Exchange Bank | Santa Rosa, CA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers Bank & Trust Company | Magnolia, AR | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fidelity Bank, National Association | Wichita, KS | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Citizens Community Bank | Mansfield, PA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Dakota National Bank | Yankton, SD | $3.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Western Trust Bank | Denver, CO | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lake Ridge Bank | Middleton, WI | $3.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lone Star National Bank | Pharr, TX | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Monet Bank | Plano, TX | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| MVB Bank, Inc | Fairmont, WV | $3.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North American Savings Bank, F.S.B. | Grandview, MO | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Northern Bank & Trust Company | Woburn, MA | $3.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Oakstar Bank | Springfield, MO | $3.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Old Plank Trail Community Bank, National Association | New Lenox, IL | $3.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| STAR Financial Bank | Fort Wayne, IN | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Stearns Bank National Association | Saint Cloud, MN | $3.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Union Savings Bank | Danbury, CT | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Unity Bank | Clinton, NJ | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| WestStar Bank | El Paso, TX | $3.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $3, against a peer median of $9 among 18 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 31, 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Austin Bank, Texas National Association (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 | $2.8M | +$36K | +1.3% |
| Q1 2026 | $2.7M | −$15K | −0.5% |
| Q4 2025 | $2.7M | −$56K | −2.0% |
| Q3 2025 | $2.8M | +$133K | +5.0% |
| Q2 2025 | $2.7M | +$61K | +2.3% |
| Q1 2025 | $2.6M | −$101K | −3.7% |
| Q4 2024 | $2.7M | +$7K | +0.3% |
| Q3 2024 | $2.7M | +$160K | +6.3% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Austin Bank, Texas National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Austin Bank, Texas National Association by share.
Amounts from Austin Bank, Texas National Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Closing Fee for accounts closed within 30 days of opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Undeliverable Statement/Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Normal overdraft fees | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Check Fee (NSF), per item, per presentment | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Non-Austin Bank ATM | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Non-Network ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement cards | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks: Non-customer | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $32Not compared: Annual charge, not per item | per year | None |
| Temporary Checks | $0.20Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing (non-customer) Greater (audience not stated, treated as personal) | 2%($15 minimum) | Not stated | None |
Cash & Deposit | |||
| Return Item Chargeback | $7.50Below the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Account Transfers: Levy/Garnishment | $100Above 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 10, 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 Austin Bank, Texas National Association operates, and what regulators and customers have on file.
Branch footprint
39 offices in 1 state, $2.8B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 13 | $1.3B |
| 10 | $671.4M | |
| 10 | $655.8M | |
| 6 | $218.0M |
Longview, TX
8.4% of bank deposits, #3 of 25, up 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Texas Bank and Trust Company | 23% |
| VeraBank, National Association | 15.1% |
| JPMorgan Chase Bank, National Association | 6.7% |
| Texas Heritage National Bank | 5.2% |
| Texas Bank | 4.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Longview, TX, Austin Bank, Texas National Association holds 8.4% of bank deposits, #3 of 25, with 10 offices.
117 offices of 34 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 25 institutions shown. $8.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 8.4% share, 10 offices, #3 of 25
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
33 offices of 10 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
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.