18 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 InBank 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. | InBank'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 $502K in Q2 2026, 16% above the same quarter a year earlier ($433K).
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
InBank Personal Checking $5 · InBank Interest Checking $8 · InBank Timeless Checking $10
Compared at $8, the middle of its prices
Overdraft (OD)
Non-Network ATM
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for New Mexico, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 2.9% from Q3 2025 to Q2 2026, to $502K.
$502K
InBankMedian
FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
InBank · $1.4B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| InBank(this institution) | Raton, NM | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Adams Bank & Trust | Ogallala, NE | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliance Bank | Sulphur Springs, TX | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blue Sky Bank | Pawhuska, OK | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Central National Bank | Junction City, KS | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Century Bank | Santa Fe, NM | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Coastal Carolina National Bank | Myrtle Beach, SC | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Community Financial Services Bank | Benton, KY | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| County National Bank | Hillsdale, MI | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers & Merchants Bank | Timberville, VA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| First American Bank and Trust | Vacherie, LA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank of Alabama | Talladega, AL | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First State Bank | Eastpointe, MI | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fm Bank And Trust | Blytheville, AR | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independence Bank | Havre, MT | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Liberty National Bank | Lawton, OK | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Martha's Vineyard Bank | Edgartown, MA | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants & Marine Bank | Pascagoula, MS | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Piedmont Federal Savings Bank | Winston Salem, NC | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank - Wyoming | Cody, WY | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Plains Commerce Bank | Sioux Falls, SD | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sabine State Bank and Trust Company | Many, LA | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SULLIVAN BANK | Sullivan, MO | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Texas Security Bank | Dallas, TX | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Commercial and Savings Bank of Millersburg, Ohio | Millersburg, OH | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ulster Savings Bank | Kingston, NY | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ 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.
Peer pricing snapshot
Compared at $8, the middle of its three prices, against a peer median of $8 among 18 publishing peers.
Its three checking prices are $5, $8 and $10.
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 30, 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 Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for InBank (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 | $502K | +$20K | +4.1% |
| Q1 2026 | $482K | −$26K | −5.1% |
| Q4 2025 | $508K | +$20K | +4.1% |
| Q3 2025 | $488K | +$55K | +12.7% |
| Q2 2025 | $433K | −$8K | −1.8% |
| Q1 2025 | $441K | −$15K | −3.3% |
| Q4 2024 | $456K | +$5K | +1.1% |
| Q3 2024 | $451K | +$20K | +4.6% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from InBank’s own schedules, with a source for each figure.
per month
per month
per month
per month
per hour
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| InBank Interest Checking Monthly Fee | $8 | per month | None |
| InBank Personal Checking Monthly Fee | $5 | per month | None |
| InBank Timeless Checking Monthly Fee | $10 | per month | None |
| Account Closure (within 90 days of opening) | $50 | Not stated | None |
| Dormant Account | $10 | Not stated | None |
| Dormant Account Fee (per month) . | $20 | per month | None |
| Account Research ($10.00 min) | $40Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail Fee (per month) | $7.50 | per month | None |
Overdraft & NSF | |||
| Overdraft (OD) Paid Item/NSF Return Item Charge | $35 | Not stated | None |
| 1st Continuous Overdraft Charge | $25 | Not stated | None |
ATM & Card | |||
| ATM WD Fee | $2.50 | Not stated | None |
| Replacement Card Fee | $15 | Not stated | None |
Check Services | |||
| Cashier's Check | $6 | Not stated | None |
| Money Order | $5 | Not stated | None |
| Stop Payment (request or renewal) | $35 | Not stated | None |
| Counter Checks (per check) | $1 | per item | None |
Digital & Electronic | |||
| Bill Pay (Unlimited Transactions/Consumer Accounts) | No charge | Not stated | None |
Cash & Deposit | |||
| Coin Counting Per Roll | $0.50 | Not stated | None |
| Charge Back Fee (return deposited items) | $10 | Not stated | None |
Account Services | |||
| Drilling Fee | $100Not compared: Box drilling or key fee | Not stated | None |
| Late Payment Fee | $15Not compared: Box drilling or key fee | Not stated | None |
| Replacement of Lost Key | $20Not compared: Box drilling or key fee | Not stated | None |
| Levies/Garnishment (per occurrence) | $100 | per item | None |
Retirement & IRA | |||
| IRA Transfer | $75 | Not stated | None |
Other Fees | |||
| Additional Statement Printout (per statement) | $2.50 | 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.
Fee change alerts
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