Five Rivers Bank

Headquarters: Paramus, New Jersey
Charter: Bank
Assets: $78.1M
Fed district: New York
Regulator: FDIC

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

Overview

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 Nov 3, 2026

How these figures are measured

Call-report figures are for Five Rivers 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.	Five Rivers Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Service-charge income by quarter

Q2 2025 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Five Rivers Bank (bank level, not the holding company)
Period: Q2 2025 to Q2 2026, 5 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Five Rivers Bank: $30
Five Rivers Bank: $30
U.S. median: no median
NSF / Returned Item
Five Rivers Bank: $10
Five Rivers Bank: $10
U.S. median: no median
Wire Transfer (Domestic Out)
Five Rivers Bank: $20
Five Rivers Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New Jersey: Banks and credit unions headquartered in New Jersey that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was $3K in Q2 2026.

Service-charge income, Q2 2026

$3K

$0Q3 2025

$0Q4 2025

$2KQ1 2026

$3KQ2 2026

Against the median

Five Rivers BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Five Rivers Bank · $78M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 13 states.

Banks only
$72M to $86M in assets
Headquartered in 13 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Five Rivers Bank(this institution)	Paramus, NJ	$78M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
American State Bank of Grygla	Grygla, MN	$82M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Anchor State Bank	Anchor, IL	$73M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Ontario	Ontario, WI	$79M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens National Bank of Crosbyton	Crosbyton, TX	$78M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Conneaut Savings Bank	Conneaut, OH	$77M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers and Merchants Bank	Arnett, OK	$80M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Farmers State Bank of Trimont	Trimont, MN	$73M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Heritage Bank	Shenandoah, IA	$72M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank of South Padre Island	South Padre Island, TX	$78M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Haskell National Bank	Haskell, TX	$73M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Highland Federal Savings and Loan Association	Crossville, TN	$79M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Homestead Savings Bank	Albion, MI	$72M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Independence State Bank	Independence, WI	$84M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
McClave State Bank	McClave, CO	$79M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Park Bank, National Association	Holmen, WI	$76M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Redemption Bank	Salt Lake City, UT	$78M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Sherwood Community Bank	Creighton, MO	$78M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Cold Spring	Cold Spring, MN	$82M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
The Atlanta National Bank	Atlanta, IL	$81M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Blanchester	Blanchester, OH	$78M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The First State Bank of Red Wing	Red Wing, MN	$86M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Howard State Bank, Howard, Kansas	Howard, KS	$80M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The State Bank of Pearl City	Pearl City, IL	$73M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Tri-Valley Bank	Randolph, IA	$83M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Union State Bank	Uniontown, KS	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	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.

Fee type

Peer pricing snapshot

Five Rivers Bank does not publish a monthly maintenance fee in the index.

The peer median is $9 among 10 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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Five Rivers Bank does not publish a monthly maintenance fee, so it is not on this chart.

Five Rivers BankPeer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Five Rivers Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q2 2025 to Q2 2026, standalone quarters · 5 quarters on file

Latest, Q2 2026: $3K
vs prior quarter: +$1K+50.0%; from Q1 2026
vs a year earlier: +$3K; from Q2 2025
vs start of range: +$3K; from Q2 2025

Details

Source: FDIC BankFind Suite (call report data)
Entity: Five Rivers Bank (bank level, not the holding company)
Period: Q2 2025 to Q2 2026, 5 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$3K	+$1K	+50.0%
Q1 2026	$2K	+$2K
Q4 2025	$0	$0
Q3 2025	$0	$0
Q2 2025	$0

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Five Rivers Bank’s own schedules, with a source for each figure.

Account Maintenance

Early Closeout Fee (90 days)$30
Dormant Account Fee$5
Account Research (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft/Uncollected/Insufficient$30
Return Item (Non Sufficient Funds)$10

ATM & Card

Lost Debit Card$10
Debit Card Expedited$30

Wire Transfers

Out Going Wire (Domestic)$20
Incoming Wire$15
Out Going Wire (International)$30

Check Services

Official Check (Official Checks are not issued within the first 30 days for new customer)$10
Stop Payment (Ach, EFT, Check)$25
Counter Checks (4 per page)$3
per item
Foreign Check Collection$30
Photocopy (check,deposit,withdrawal)-per item$5
per item

Digital & Electronic

Online Bill Pay (sameday)$15

Account Services

Levy/Legal$100

Other Fees

Copy of 1099/1098 Form (per item)$5
per item
Copy of Statement (per statement)$3

Fee	Amount	Basis	Note
Account Maintenance
Early Closeout Fee (90 days)	$30	Not stated	None
Dormant Account Fee	$5	Not stated	None
Account Research (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft/Uncollected/Insufficient	$30	Not stated	None
Return Item (Non Sufficient Funds)	$10	Not stated	None
ATM & Card
Lost Debit Card	$10	Not stated	None
Debit Card Expedited	$30	Not stated	None
Wire Transfers
Out Going Wire (Domestic)	$20	Not stated	None
Incoming Wire	$15	Not stated	None
Out Going Wire (International)	$30	Not stated	None
Check Services
Official Check (Official Checks are not issued within the first 30 days for new customer)	$10	Not stated	None
Stop Payment (Ach, EFT, Check)	$25	Not stated	None
Counter Checks (4 per page)	$3	per item	None
Foreign Check Collection	$30	Not stated	None
Photocopy (check,deposit,withdrawal)-per item	$5	per item	None
Digital & Electronic
Online Bill Pay (sameday)	$15	Not stated	None
Account Services
Levy/Legal	$100	Not stated	None
Other Fees
Copy of 1099/1098 Form (per item)	$5	per item	None
Copy of Statement (per statement)	$3	Not stated	None

Correct a fee source

Nov 3, 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.

Fee change alerts

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