Open Bank

Headquarters: Los Angeles, California
Charter: Bank
Assets: $2.7B
Fed district: San Francisco
Regulator: FDIC
Holding company: Op Bancorp

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

Source: its fee schedule, read Oct 16, 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 Oct 16, 2026

How these figures are measured

Call-report figures are for Open 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.	Open Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 16, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Open Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $515K in Q2 2026, 49% below the same quarter a year earlier ($1.0M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

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

NSF / Returned Item
Open Bank: $30
Open Bank: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $27.50, the middle of its prices
Open Bank: $25 to $30
Open Bank: $25 to $30
U.S. median: no median
Stop Payment
Open Bank: $30
Open Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco 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).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 fell 29% from Q3 2025 to Q2 2026, to $515K.

Service-charge income, Q2 2026

$515K

$725KQ3 2025

$462KQ4 2025

$463KQ1 2026

$515KQ2 2026

Against the median

Open 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

Open Bank · $2.7B 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.

Banks only
$2.6B to $2.9B in assets
Headquartered in 17 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
Open Bank(this institution)	Los Angeles, CA	$2.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
ANB Bank	Denver, CO	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Avidia Bank	Hudson, MA	$2.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank Independent	Sheffield, AL	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
BayCoast Bank	Swansea, MA	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Cedar Rapids Bank and Trust Company	Cedar Rapids, IA	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Cornerstone Bank	York, NE	$2.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Emprise Bank	Wichita, KS	$2.8B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
FCB Banks	Collinsville, IL	$2.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fidelity Bank & Trust	Dubuque, IA	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Home Federal Bank of Tennessee	Knoxville, TN	$2.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
INB, National Association	Springfield, IL	$2.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Industrial and Commercial Bank of China USA, National Association	New York, NY	$2.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Ion Bank	Naugatuck, CT	$2.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
KS StateBank	Manhattan, KS	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Machias Savings Bank	Machias, ME	$2.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Merchants Bank, National Association	Winona, MN	$2.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Meridian Bank	Wayne, PA	$2.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
National Exchange Bank and Trust	Fond du Lac, WI	$2.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Shore Bank	Brookfield, WI	$2.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
One Community Bank	Oregon, WI	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Quad City Bank and Trust Company	Bettendorf, IA	$2.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
State Bank of Southern Utah	Cedar City, UT	$2.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sunrise Banks, National Association	Sioux Falls, SD	$2.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wells Fargo Bank South Central, National Association	Houston, TX	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Westfield Bank	Westfield, MA	$2.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

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

The peer median is $8 among 14 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

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

Open BankPeer (equal prices stack)Peer median

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 Open Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $515K
vs prior quarter: +$52K+11.2%; from Q1 2026
vs a year earlier: −$502K−49.4%; from Q2 2025
vs start of range: −$374K−42.1%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Open Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$515K	+$52K	+11.2%
Q1 2026	$463K	+$1K	+0.2%
Q4 2025	$462K	−$263K	−36.3%
Q3 2025	$725K	−$292K	−28.7%
Q2 2025	$1.0M	+$17K	+1.7%
Q1 2025	$1.0M	+$33K	+3.4%
Q4 2024	$967K	+$78K	+8.8%
Q3 2024	$889K	+$96K	+12.1%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account Closed within 90 Days of Opening$20
one time
Escheatment Notice$29
Record Research$50
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Returned Item (NSF10/UCF10/Other Unpaid) (audience not stated, treated as personal)$30

ATM & Card

Debit Card Replacement$5

Wire Transfers

Outgoing Wire (In Person) (audience not stated, treated as personal)$25
Outgoing Wire (Via Facsimile) (audience not stated, treated as personal)$30
Incoming Wire (audience not stated, treated as personal)$8

Check Services

Cashier’s Check Purchase$5
Stop Payment Order / Notice of Postdated Check (new/renewal) (audience not stated, treated as personal)$30
Copy of Check (Truncated check/from check file)$1

Digital & Electronic

ACH Batch File (audience not stated, treated as personal)$10
per item
ACH Origination (audience not stated, treated as personal)$0.15
per item
Originated ACH Return (audience not stated, treated as personal)$8
per item

Cash & Deposit

Deposited or Cashed Item Return (Charge-Back) on non-consumer account$10

Account Services

Key Replacement$25
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$300
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$300
Safe Deposit Box 3 x 10$150
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$150
Safe Deposit Box 3 x 5$80
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$80
Safe Deposit Box 5 x 10$200
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$200
Safe Deposit Box 5 x 5$130
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$130
Safe Deposit Box 6 x 10$240
Safe Deposit Box 6 x 10 (audience not stated, treated as personal)$240
Safe Deposit Box 9 x 10$270
Safe Deposit Box 9 x 10 (audience not stated, treated as personal)$270
Legal Process$100
Balance Certification Letter/Verification of Deposit (VOD)$10

Other Fees

Copy of Statement$5
Fax (Domestic & International)$1

Fee	Amount	Basis	Note
Account Maintenance
Account Closed within 90 Days of Opening	$20	one time	None
Escheatment Notice	$29	Not stated	None
Record Research	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Returned Item (NSF10/UCF10/Other Unpaid) (audience not stated, treated as personal)	$30	Not stated	None
ATM & Card
Debit Card Replacement	$5	Not stated	None
Wire Transfers
Outgoing Wire (In Person) (audience not stated, treated as personal)	$25	Not stated	None
Outgoing Wire (Via Facsimile) (audience not stated, treated as personal)	$30	Not stated	None
Incoming Wire (audience not stated, treated as personal)	$8	Not stated	None
Check Services
Cashier’s Check Purchase	$5	Not stated	None
Stop Payment Order / Notice of Postdated Check (new/renewal) (audience not stated, treated as personal)	$30	Not stated	None
Copy of Check (Truncated check/from check file)	$1	Not stated	None
Digital & Electronic
ACH Batch File (audience not stated, treated as personal)	$10	per item	None
ACH Origination (audience not stated, treated as personal)	$0.15	per item	None
Originated ACH Return (audience not stated, treated as personal)	$8	per item	None
Cash & Deposit
Deposited or Cashed Item Return (Charge-Back) on non-consumer account	$10	Not stated	None
Account Services
Key Replacement	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$300	Not stated	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$300	Not stated	None
Safe Deposit Box 3 x 10	$150	Not stated	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$150	Not stated	None
Safe Deposit Box 3 x 5	$80	Not stated	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$80	Not stated	None
Safe Deposit Box 5 x 10	$200	Not stated	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$200	Not stated	None
Safe Deposit Box 5 x 5	$130	Not stated	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$130	Not stated	None
Safe Deposit Box 6 x 10	$240	Not stated	None
Safe Deposit Box 6 x 10 (audience not stated, treated as personal)	$240	Not stated	None
Safe Deposit Box 9 x 10	$270	Not stated	None
Safe Deposit Box 9 x 10 (audience not stated, treated as personal)	$270	Not stated	None
Legal Process	$100	Not stated	None
Balance Certification Letter/Verification of Deposit (VOD)	$10	Not stated	None
Other Fees
Copy of Statement	$5	Not stated	None
Fax (Domestic & International)	$1	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

Account Maintenance

Account Closed within 90 Days of Opening$20
one time
Escheatment Notice$29
Record Research$50
Not compared: Charged per hour; comparison unavailable
per hour

ATM & Card

Debit Card Replacement$5

Check Services

Cashier’s Check Purchase$5
Cashed Check/Withdrawal (MSB-Check Cashing Business only)$1
per item
Copy of Check (Truncated check/from check file)$1

Account Services

Key Replacement$25
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$300
Safe Deposit Box 3 x 10$150
Safe Deposit Box 3 x 5$80
Safe Deposit Box 5 x 10$200
Safe Deposit Box 5 x 5$130
Safe Deposit Box 6 x 10$240
Safe Deposit Box 9 x 10$270
Legal Process$100
Balance Certification Letter/Verification of Deposit (VOD)$10

Other Fees

Copy of Statement$5
Fax (Domestic & International)$1

Fee	Amount	Basis	Note
Account Maintenance
Account Closed within 90 Days of Opening	$20	one time	None
Escheatment Notice	$29	Not stated	None
Record Research	$50Not compared: Charged per hour; comparison unavailable	per hour	None
ATM & Card
Debit Card Replacement	$5	Not stated	None
Check Services
Cashier’s Check Purchase	$5	Not stated	None
Cashed Check/Withdrawal (MSB-Check Cashing Business only)	$1	per item	None
Copy of Check (Truncated check/from check file)	$1	Not stated	None
Account Services
Key Replacement	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$300	Not stated	None
Safe Deposit Box 3 x 10	$150	Not stated	None
Safe Deposit Box 3 x 5	$80	Not stated	None
Safe Deposit Box 5 x 10	$200	Not stated	None
Safe Deposit Box 5 x 5	$130	Not stated	None
Safe Deposit Box 6 x 10	$240	Not stated	None
Safe Deposit Box 9 x 10	$270	Not stated	None
Legal Process	$100	Not stated	None
Balance Certification Letter/Verification of Deposit (VOD)	$10	Not stated	None
Other Fees
Copy of Statement	$5	Not stated	None
Fax (Domestic & International)	$1	Not stated	None

Correct a fee source

Oct 16, 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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