18 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 4, 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 Nov 4, 2026
Call-report figures are for Extraco Banks, 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 | 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. | Extraco Banks, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $818K in Q2 2026, 2.0% above the same quarter a year earlier ($802K).
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
A blank median means fewer than 5 publish the fee.
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 2.5% from Q3 2025 to Q2 2026, to $818K.
$818K
Extraco Banks, National AssociationMedian
FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Extraco Banks, National Association · $2.6B 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 |
|---|---|---|---|---|---|---|---|
| Extraco Banks, National Association(this institution) | Temple, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coastal States Bank | Hilton Head Island, SC | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cogent Bank | Orlando, FL | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community National Bank & Trust | Chanute, KS | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | 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 |
| Cornerstone Bank | Spencer, MA | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| El Dorado Savings Bank, F.S.B. | Placerville, CA | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| First County Bank | Stamford, CT | $2.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank | Paragould, AR | $2.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| Horizon Bank, SSB | Austin, TX | $2.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| 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 |
| 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 |
| 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 |
| Peoples Bank | Bellingham, WA | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| South Shore Bank | South Weymouth, MA | $2.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| TexasBank | Brownwood, TX | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Traditional Bank, Inc. | Mount Sterling, KY | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Bank of Iowa | Ida Grove, IA | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $7, against a peer median of $8 among 13 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
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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Extraco Banks, 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 | $818K | −$23K | −2.7% |
| Q1 2026 | $841K | −$13K | −1.5% |
| Q4 2025 | $854K | +$15K | +1.8% |
| Q3 2025 | $839K | +$37K | +4.6% |
| Q2 2025 | $802K | −$42K | −5.0% |
| Q1 2025 | $844K | +$27K | +3.3% |
| Q4 2024 | $817K | +$120K | +17.2% |
| Q3 2024 | $697K | −$28K | −3.9% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Extraco Banks, National Association’s own schedules, with a source for each figure.
per year
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per item
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee | $7 | per month | None |
| Early Account Closure | $35 | Not stated | None |
| Early Account Closure (by customer) | $50 | Not stated | None |
| Consumer, Inactivity Fee | No charge | Not stated | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mail Delivery of Paper Statements | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft Fee | $35 | Not stated | None |
| Overdraft fee (each time we pay an overdraft) (audience not stated, treated as personal) | $35 | per item | None |
| Overdraft Item Fee | $35 | per item | None |
| Return Item Fee/NSF Item Fee | $35 | Not stated | None |
| Overdraft Protection Sweep Fee (per sweep) | $10 | Not stated | None |
ATM & Card | |||
| ATM Withdrawal, Transfer or Inquiry | $2 | Not stated | None |
| Non-Network ATM (audience not stated, treated as personal) | $2 | Not stated | None |
| Replacement Card | No charge | Not stated | None |
Wire Transfers | |||
| Wire Transfers – Outgoing Domestic | $20 | per item | None |
| Wire Transfers – Outgoing International | $50 | per item | None |
Check Services | |||
| Cashiers checks are processed (audience not stated, treated as personal) | $5 | Not stated | None |
| Stop Payment | $35 | Not stated | None |
| Personalized Temporary Checks | $8 | Not stated | None |
Cash & Deposit | |||
| Deposited Item Returned | $10 | Not stated | None |
| Night Depository Key (replacement) | $5 | Not stated | None |
Account Services | |||
| 10x42 Locker | $265 | per year | None |
| 4x10 (short boxes) | $45 | per year | None |
| Box Fees 15x59 Locker | $265 | per year | None |
| Box Fees 6x10 | $110 | per year | None |
| Lost Key | $40Not compared: Box drilling or key fee | per item | None |
| Safe Deposit 4x10 | $70 | per year | None |
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $110 | per year | None |
| Safe Deposit Box 10x15 (audience not stated, treated as personal) | $110 | per year | None |
| Safe Deposit Box 14x15 | $160 | per year | None |
| Safe Deposit Box 14x15 (audience not stated, treated as personal) | $160 | per year | None |
| Safe Deposit Box 2x5 (audience not stated, treated as personal) | $45 | per year | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $70 | per year | None |
| Safe Deposit Box 3x5 (audience not stated, treated as personal) | $45 | per year | None |
| Safe Deposit Box 5x10 | $110 | per year | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $110 | per year | None |
| Safe Deposit Box 7x10 (audience not stated, treated as personal) | $110 | per year | None |
| Fees Legal Process | $100 | 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
Nov 4, 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 Extraco Banks, National Association operates, and what regulators and customers have on file.
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 4, 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.