16 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 30, 2026.
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 Oct 30, 2026
Call-report figures are for Providence 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 | 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. | Providence Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 30, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $156K in Q2 2026, 152% above the same quarter a year earlier ($62K).
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
Probank Checking $15 · Partner Checking $30
Compared at $22.50, the middle of its prices
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 North Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 140% from Q3 2025 to Q2 2026, to $156K.
$156K
Providence BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Providence Bank · $1.5B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Providence Bank(this institution) | Rocky Mount, NC | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1st Summit Bank | Johnstown, PA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| American Heritage Bank | Sapulpa, OK | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ameriserv Financial Bank | Johnstown, PA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Apex Bank | Camden, TN | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Bank Illinois | Geneseo, IL | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens Bank and Trust | Frostproof, FL | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| CorTrust Bank National Association | Mitchell, SD | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dieterich Bank | Effingham, IL | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elkhorn Valley Bank & Trust | Norfolk, NE | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank Richmond | Richmond, IN | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Bank of Pulaski | Pulaski, TN | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank | Mendota, IL | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greenfield Savings Bank | Greenfield, MA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Main Street Bank Corp. | Wooster, OH | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Newburyport Five Cents Savings Bank | Newburyport, MA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North State Bank | Raleigh, NC | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pathfinder Bank | Oswego, NY | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples State Bank | Wausau, WI | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rhinebeck Bank | Rhinebeck, NY | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Saco & Biddeford Savings Institution | Saco, ME | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Citizens Bank of Philadelphia, Mississippi | Philadelphia, MS | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Moody National Bank | Galveston, TX | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Union Bank | Morrisville, VT | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Union County Savings Bank | Elizabeth, NJ | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Atmore, AL | $1.5B | 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 · 20 publish this fee(monthly maintenance)
5 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $22.50, the middle of its two prices, against a peer median of $6.98 among 20 publishing peers.
Its two checking prices are $15 and $30.
$22.50 is a comparison price, not a fee anyone is charged.
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 26, 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 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Providence Bank (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 | $156K | +$88K | +129.4% |
| Q1 2026 | $68K | +$2K | +3.0% |
| Q4 2025 | $66K | +$1K | +1.5% |
| Q3 2025 | $65K | +$3K | +4.8% |
| Q2 2025 | $62K | +$1K | +1.6% |
| Q1 2025 | $61K | +$5K | +8.9% |
| Q4 2024 | $56K | +$1K | +1.8% |
| Q3 2024 | $55K | −$2K | −3.5% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Providence Bank’s own schedules, with a source for each figure.
per month · Waive the $30 monthly service fee with a monthly direct deposit
per month
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Partner Checking Monthly service fee | $30 | per month | Waive the $30 monthly service fee with a monthly direct deposit |
| Probank Checking Monthly service fee | $15 | per month | None |
| Early Account Closing (if closed within 90 days) | $10 | Not stated | None |
| Dormant Fee (in addition to other applicable service charges) | $5 | Not stated | None |
| Statement Reconciliation (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Fee | $25 | Not stated | None |
| Non-Sufficient Fee (NSF)/Returned Items | $25 | Not stated | None |
| 1st Continuous Overdraft fee charged after the 5th consecutive business day your account is in a negative balance | $3 | Not stated | None |
ATM & Card | |||
| Replacement ATM/Debit Card | $5 | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Domestic | $25 | Not stated | None |
Check Services | |||
| Official Checks: Customers | $5 | Not stated | None |
| Official Checks: Non-Customers | $10 | Not stated | None |
| Stop Payment Order | $25 | Not stated | None |
| Check Cashing: Non-Customer | $5 | Not stated | None |
Digital & Electronic | |||
| Online Bill Payment | $5.95 | Not stated | None |
Cash & Deposit | |||
| Return Deposit Items | $4 | Not stated | None |
Account Services | |||
| Safe Deposit Box 10 X 10 | $100 | Not stated | None |
| Safe Deposit Box 3 X 10 | $45 | Not stated | None |
| Safe Deposit Box 3 X 5 | $30 | Not stated | None |
| Safe Deposit Box 5 X 10 | $60 | Not stated | None |
| Legal Processing Fee | $35 | Not stated | None |
Other Fees | |||
| Interim Statements | $10 | Not stated | None |
Oct 30, 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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