Traditional Bank, Inc.

Headquarters: Mount Sterling, Kentucky
Charter: Bank
Assets: $2.4B
Fed district: Cleveland

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

Source: its fee schedule, read Nov 1, 2026.

Overview

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
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 1, 2026

How these figures are measured

Call-report figures are for Traditional Bank, Inc. 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) 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.	Traditional Bank, Inc.'s published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Traditional Bank, Inc. (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $843K in Q2 2026, 8.5% above the same quarter a year earlier ($777K).
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.

Monthly Maintenance
Compared at $5, the middle of its prices
Traditional Bank, Inc.: $0 to $8
Traditional Bank, Inc.: $0 to $8
U.S. median: no median
Overdraft (OD)
Traditional Bank, Inc.: $32
Traditional Bank, Inc.: $32
U.S. median: no median
NSF / Returned Item
Traditional Bank, Inc.: $32
Traditional Bank, Inc.: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the Cleveland 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).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Among its peers

Traditional Bank, Inc. · $2.4B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$2.3B to $2.5B in assets
Headquartered in 15 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
Traditional Bank, Inc.(this institution)	Mount Sterling, KY	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Anderson Brothers Bank	Mullins, SC	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank Iowa	West Des Moines, IA	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	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
Commercial Bank	Harrogate, TN	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	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
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
Farmers and Merchants Trust Company of Chambersburg	Chambersburg, PA	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank of the Lake	Osage Beach, MO	$2.3B	Monthly maintenance not published	Publishes Out-of-network ATM	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 United Bank	Dimmitt, TX	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Guaranty Bank	Springfield, MO	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intercredit Bank, National Association	Coral Gables, FL	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
John Marshall Bank	Reston, VA	$2.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Luana Savings Bank	Luana, IA	$2.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Omb Bank	Springfield, MO	$2.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Peoples Bank	Bellingham, WA	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pioneer Bank, National Association	Albany, NY	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
QNB Bank	Quakertown, PA	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
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
Texas First Bank	Texas City, TX	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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
The Bank of Commerce	Ammon, ID	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Ephrata National Bank	Ephrata, PA	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	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

✓ 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.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.25 (46%) below the median of similar-sized banks.

Compared at $5, the middle of its three prices, against a peer median of $9.25 among 18 publishing peers.

Its three checking prices are $0, $5 and $8.

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

Traditional Bank, Inc.: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

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

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 14 quarters on file

Latest, Q2 2026: $843K
vs prior quarter: +$15K+1.8%; from Q1 2026
vs a year earlier: +$66K+8.5%; from Q2 2025
vs start of range: +$76K+9.9%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Traditional Bank, Inc. (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$843K	+$15K	+1.8%
Q1 2026	$828K	+$3K	+0.4%
Q4 2025	$825K	−$14K	−1.7%
Q3 2025	$839K	+$62K	+8.0%
Q2 2025	$777K	+$6K	+0.8%
Q1 2025	$771K	−$18K	−2.3%
Q4 2024	$789K	+$22K	+2.9%
Q3 2024	$767K	+$67K	+9.6%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Everyday Checking Monthly Service Charge$5
per month
Monthly Service ChargeNo charge
per month
Monthly Service Charge$8
per month
Dormant Money Market Account$7
per month
Dormant Savings Account$7
Not compared: Quarterly charge, not monthly
per quarter
Account Balancing$10
Not compared: Charged per hour; comparison unavailable
per hour
ACCOUNT RESEARCH (1 hour minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal Charge$15
per item
Return Mail Process$5

Overdraft & NSF

Overdraft Item Charge$32
per item
Return Item (Non-Sufficient Funds) Charge$32
per item

Wire Transfers

Outgoing Domestic Wire Transfer$25

Check Services

Official Bank Checks/Certified Checks$6
Stop Payment of Check or Electronic Payment (6 Months Maximum)$15
per item
Counter Checks$0.25
per item
Check Cashing (Non-Customers)$5
per item
Collection Items$15

Account Services

Safe Deposit Box 10x10$75
per year
Safe Deposit Box 3x10$40
per year
Safe Deposit Box 3x5$30
per year
Safe Deposit Box 4x5$35
per year
Safe Deposit Box 5x10$55
per year
Garnishment/Tax Levy$75
per item

Other Fees

Faxing$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Everyday Checking Monthly Service Charge	$5	per month	None
Monthly Service Charge	No charge	per month	None
Monthly Service Charge	$8	per month	None
Dormant Money Market Account	$7	per month	None
Dormant Savings Account	$7Not compared: Quarterly charge, not monthly	per quarter	None
Account Balancing	$10Not compared: Charged per hour; comparison unavailable	per hour	None
ACCOUNT RESEARCH (1 hour minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawal Charge	$15	per item	None
Return Mail Process	$5	Not stated	None
Overdraft & NSF
Overdraft Item Charge	$32	per item	None
Return Item (Non-Sufficient Funds) Charge	$32	per item	None
Wire Transfers
Outgoing Domestic Wire Transfer	$25	Not stated	None
Check Services
Official Bank Checks/Certified Checks	$6	Not stated	None
Stop Payment of Check or Electronic Payment (6 Months Maximum)	$15	per item	None
Counter Checks	$0.25	per item	None
Check Cashing (Non-Customers)	$5	per item	None
Collection Items	$15	Not stated	None
Account Services
Safe Deposit Box 10x10	$75	per year	None
Safe Deposit Box 3x10	$40	per year	None
Safe Deposit Box 3x5	$30	per year	None
Safe Deposit Box 4x5	$35	per year	None
Safe Deposit Box 5x10	$55	per year	None
Garnishment/Tax Levy	$75	per item	None
Other Fees
Faxing	$3	per item	None

Correct a fee source

Nov 1, 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.

Branches and public record

Where Traditional Bank, Inc. operates, and what regulators and customers have on file.

Market position

In Lexington-Fayette, KY, Traditional Bank, Inc. holds 8.3% of bank deposits, #4 of 36, with 9 offices.

Compare fees with the 36 Lexington-Fayette, KY banks and credit unions in its home-metro peer set →

Offices in the metro

202 offices of 48 institutions shown.

Traditional Bank, Inc.Other banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Lexington-Fayette, KY metro (FDIC metro code 30460), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 3 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Central Bank & Trust Co.14.9%
2JPMorgan Chase Bank, National Association12.8%
3Fifth Third Bank, National Association11.4%
4Traditional Bank, Inc.8.3%
5PNC Bank, National Association7.0%
6Community Trust Bank, Inc.5.8%
7Bank of America, National Association4.8%
8Stock Yards Bank & Trust Company4.5%

8 of 36 institutions shown. $16.0B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Lexington-Fayette, KY metro (FDIC metro code 30460)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 8.3% share, 9 offices, #4 of 36

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Lexington-Fayette, KY metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

33 offices of 13 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.

Fee change alerts

Get an email when Traditional Bank, Inc.'s monthly maintenance changes in our data

We check once a day and send one email covering every change.