20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 14, 2026.
Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 14, 2026
Call-report figures are for First Citizens Community 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 | FDIC BankFind Suite (call report data) ASSET | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 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. | First Citizens Community Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $566K in Q2 2026, 7.6% above the same quarter a year earlier ($526K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
Compared at $22.50, the middle of its prices
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 1.7% from Q3 2025 to Q2 2026, to $566K.
$566K
First Citizens Community BankMedian
FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
First Citizens Community Bank · $3.2B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Citizens Community Bank(this institution) | Mansfield, PA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Austin Bank, Texas National Association | Jacksonville, TX | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| BankFirst Financial Services | Columbus, MS | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BCB Community Bank | Bayonne, NJ | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| CB&S Bank, Inc. | Russellville, AL | $3.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 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 |
| Lawrence Bank | Nashville, TN | $3B | Monthly maintenance not published | 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 |
| Mascoma Bank | Lebanon, NH | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Midwest BankCentre | Lemay, MO | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | 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 |
| 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 |
| Oakstar Bank | Springfield, MO | $3.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Penn Community Bank | Doylestown, PA | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| UniBank for Savings | Whitinsville, MA | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $4, against a peer median of $8 among 17 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 Nov 4, 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 Nov 4, 2026. Total assets from FDIC and NCUA records.
Call reports for First Citizens Community 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 | $566K | −$26K | −4.4% |
| Q1 2026 | $592K | −$6K | −1.0% |
| Q4 2025 | $598K | +$22K | +3.8% |
| Q3 2025 | $576K | +$50K | +9.5% |
| Q2 2025 | $526K | +$5K | +1.0% |
| Q1 2025 | $521K | −$53K | −9.2% |
| Q4 2024 | $574K | $0 | 0.0% |
| Q3 2024 | $574K | +$13K | +2.3% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from First Citizens Community Bank’s own schedules, with a source for each figure.
per month · avoid the $4 monthly maintenance fee and unlock your rewards for that period, 12 or more qualifying debit transactions must post and settle during the calendar month
per month
per hour · Account Reconcilement | $20/hr
per hour
per item
per month
per year
per year
per year
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly maintenance fee | $4 | per month | avoid the $4 monthly maintenance fee and unlock your rewards for that period, 12 or more qualifying debit transactions must post and settle during the calendar month |
| Close Account (within 6 months of opening) | $15 | Not stated | None |
| Dormant Account Fee (charged after 24 months of inactivity) | $10 | per month | None |
| Account Reconcilement | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Reconcilement | $20/hr |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned statement for invalid address | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Paid Item Fee | $35 | Not stated | None |
| Online Bill Pay Returned Item Fee | $10 | Not stated | None |
| Returned Item Fee | $35 | Not stated | None |
| Sweep & Overdraft Protection Transfers (Including overdraft protection transfers from HELOC) | $10 | Not stated | None |
ATM & Card | |||
| Replacement Debit card | $10 | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer Outgoing (Domestic) (customers only) | $30 | Not stated | None |
| Wire Transfer Incoming (customers only) | $15 | Not stated | None |
| Wire Transfer Outgoing (International) (customers only) | $75 | Not stated | None |
Check Services | |||
| Cashier’s Check fee (Customers only) | $5 | Not stated | None |
| Stop Payment | $35 | per item | None |
Digital & Electronic | |||
| Consumer Bill Pay Fee | $2.95 | per month | None |
Cash & Deposit | |||
| Deposited Item Returned | $15 | Not stated | None |
Account Services | |||
| 2x5, 3x5, 5x5 | $30 | per year | None |
| 3x10, 3x11 | $40 | per year | None |
| 5x10, 5x11 | $50 | per year | None |
| Drill and Replace Locks Fee | $100Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 | $200 | Not stated | None |
| Safe Deposit Box 10x10 | $100 | per year | None |
| Safe Deposit Box 13x15 | $300 | Not stated | None |
| Safe Deposit Box 15x10 | $300 | Not stated | None |
| Safe Deposit Box 2x5 | $60 | per year | None |
| Safe Deposit Box 3x10 | $80 | per year | None |
| Safe Deposit Box 3x5 | $60 | per year | None |
| Safe Deposit Box 5x10 | $100 | Not stated | None |
| Safe Deposit Box 5x5 | $60 | per year | None |
| Garnishment, IRS Levy, Interrogatory Fee | $100 | per item | None |
Lending Fees | |||
| Late Payment Fee (after 30 days) | $10 | Not stated | None |
Retirement & IRA | |||
| IRA Administration Fee for Premature Distributions | $25 | Not stated | None |
| IRA External Transfer Fee prior to maturity | $25 | Not stated | None |
Other Fees | |||
| Loan Payoff Letter | $25 | Not stated | None |
Oct 14, 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 First Citizens Community Bank operates, and what regulators and customers have on file.
Holding company
CITIZENS FINANCIAL SERVICES INC (Nasdaq: CZFS)
Consolidated assets
$3.2B
Shareholders' equity
$352.8M
As of
2026Q2
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 739421. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.