Intercredit Bank, National Association

Headquarters: Coral Gables, Florida
Charter: Bank
Assets: $2.4B
Fed district: Atlanta
Regulator: OCC

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

Source: its fee schedule, read Oct 11, 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 Oct 11, 2026

How these figures are measured

Call-report figures are for Intercredit Bank, 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	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.	Intercredit Bank, National Association's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Intercredit Bank, National Association (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 $115K in Q2 2026, 36% below the same quarter a year earlier ($181K).
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
Can be waived with a balance of $10,000 or more.
Intercredit Bank, National Association: $50
Intercredit Bank, National Association: $50
U.S. median: no median
Overdraft (OD)
Intercredit Bank, National Association: $25
Intercredit Bank, National Association: $25
U.S. median: no median
NSF / Returned Item
Intercredit Bank, National Association: $15
Intercredit Bank, National Association: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta 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).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 22% from Q3 2025 to Q2 2026, to $115K.

Service-charge income, Q2 2026

$115K

$147KQ3 2025

$141KQ4 2025

$132KQ1 2026

$115KQ2 2026

Against the median

Intercredit Bank, National AssociationMedian

Sources and open questions

FFIEC 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

Intercredit Bank, National Association · $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 17 states.

Banks only
$2.3B to $2.4B 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
Intercredit Bank, National Association(this institution)	Coral Gables, FL	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	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
Cashmere Valley Bank	Cashmere, WA	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	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
Colorado Federal Savings Bank	Greenwood Village, CO	$2.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Commercial Bank	Harrogate, TN	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Crews Bank & Trust	Wauchula, FL	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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
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
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
Security First Bank	Lincoln, NE	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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
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
The First National Bank of Fort Smith	Fort Smith, AR	$2.3B	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

✓ publishes the fee. – not published.

25 peers selected · 19 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $41.50 (488%) above the median of similar-sized banks.

Compared at $50, the middle of its two prices, against a peer median of $8.50 among 19 publishing peers.

Its two checking prices are $50 and $50.

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

Intercredit Bank, Nationa…: 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 Intercredit Bank, National Association (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: $115K
vs prior quarter: −$17K−12.9%; from Q1 2026
vs a year earlier: −$66K−36.5%; from Q2 2025
vs start of range: −$86K−42.8%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Intercredit Bank, National Association (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	$115K	−$17K	−12.9%
Q1 2026	$132K	−$9K	−6.4%
Q4 2025	$141K	−$6K	−4.1%
Q3 2025	$147K	−$34K	−18.8%
Q2 2025	$181K	−$15K	−7.7%
Q1 2025	$196K	−$3K	−1.5%
Q4 2024	$199K	−$2K	−1.0%
Q3 2024	$201K	−$17K	−7.8%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Intercredit Bank, National Association’s own schedules, with a source for each figure.

Account Maintenance

Maintenance fee$50
Monthly Fee$50
per month
‐Dormant Account – per month (5)$25
per month
‐Account Research – per hour or fraction Min$2
Not compared: Charged per hour; comparison unavailable
per hour
‐Returned Mail – monthly$15
per month

Overdraft & NSF

‐Overdraft fee – per item paid (1)(2)(8)$25
per item
‐Returned Check Fee (per check item)(7)$15
per item

ATM & Card

‐ATM Withdrawal at ATM not owned by ICB (not part of the Presto! Network)$2.50
‐ATM Inquiry – International$3
‐ATM Withdrawal ‐ International (3)$3

Wire Transfers

‐Outgoing Wire Transfer – Domestic$50
Not compared: Monthly charge, not per item
per month
Bill Payment: ‐Outgoing Wire Transfer ‐ Domestic$25
‐Incoming Wire Transfer ‐ Domestic$15
‐Incoming Wire Transfer – International$20

Check Services

‐Cashier’s Check – customers$10
‐Cashier’s Check – non‐customers$25
‐Online Bill Payment Stop payment‐ per item$15
per item
‐Stop Payment (effective for 6 months)$35
‐Check cashing to non‐customers$7

Digital & Electronic

‐Bill Payments – per remittance$10
‐Online Bill Payment Reissue‐ per item$15
Not compared: Per-item charge, not monthly
per item

Account Services

‐Notary Services (per document) – customers only$15
per item
‐Drilling Cost$200
Not compared: Box drilling or key fee
‐Legal Document Processing (per hour plus Attorney’s fee)$100
Not compared: Charged per hour; comparison unavailable
per hour
‐Account Verification$20

Lending Fees

‐Late Payment Fee$15

Retirement & IRA

‐Premature IRA Closing / Transfers$30

Other Fees

‐Photocopies – per copy$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee	$50	Not stated	None
Monthly Fee	$50	per month	None
‐Dormant Account – per month (5)	$25	per month	None
‐Account Research – per hour or fraction Min	$2Not compared: Charged per hour; comparison unavailable	per hour	None
‐Returned Mail – monthly	$15	per month	None
Overdraft & NSF
‐Overdraft fee – per item paid (1)(2)(8)	$25	per item	None
‐Returned Check Fee (per check item)(7)	$15	per item	None
ATM & Card
‐ATM Withdrawal at ATM not owned by ICB (not part of the Presto! Network)	$2.50	Not stated	None
‐ATM Inquiry – International	$3	Not stated	None
‐ATM Withdrawal ‐ International (3)	$3	Not stated	None
Wire Transfers
‐Outgoing Wire Transfer – Domestic	$50Not compared: Monthly charge, not per item	per month	None
Bill Payment: ‐Outgoing Wire Transfer ‐ Domestic	$25	Not stated	None
‐Incoming Wire Transfer ‐ Domestic	$15	Not stated	None
‐Incoming Wire Transfer – International	$20	Not stated	None
Check Services
‐Cashier’s Check – customers	$10	Not stated	None
‐Cashier’s Check – non‐customers	$25	Not stated	None
‐Online Bill Payment Stop payment‐ per item	$15	per item	None
‐Stop Payment (effective for 6 months)	$35	Not stated	None
‐Check cashing to non‐customers	$7	Not stated	None
Digital & Electronic
‐Bill Payments – per remittance	$10	Not stated	None
‐Online Bill Payment Reissue‐ per item	$15Not compared: Per-item charge, not monthly	per item	None
Account Services
‐Notary Services (per document) – customers only	$15	per item	None
‐Drilling Cost	$200Not compared: Box drilling or key fee	Not stated	None
‐Legal Document Processing (per hour plus Attorney’s fee)	$100Not compared: Charged per hour; comparison unavailable	per hour	None
‐Account Verification	$20	Not stated	None
Lending Fees
‐Late Payment Fee	$15	Not stated	None
Retirement & IRA
‐Premature IRA Closing / Transfers	$30	Not stated	None
Other Fees
‐Photocopies – per copy	$2	per item	None

Correct a fee source

Oct 11, 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 Intercredit Bank, National Association operates, and what regulators and customers have on file.

Market position

In Miami-Fort Lauderdale-West Palm Beach, FL, Intercredit Bank, National Association holds 0.6% of bank deposits, #29 of 86, with 2 offices.

Compare fees with the 88 Miami-Fort Lauderdale-West Palm Beach, FL banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 25 institutions shown.

Intercredit Bank, National AssociationOther banksCredit unions

Showing 900 of 1,495 offices: the largest institutions' offices, with banks and credit unions in proportion.

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: Miami-Fort Lauderdale-West Palm Beach, FL metro (FDIC metro code 33100), 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: 18 offices have no coordinates on file

Share of bank deposits

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

1Bank of America, National Association15.7%
2JPMorgan Chase Bank, National Association12.5%
3Wells Fargo Bank, National Association10.7%
4Citibank, National Association6.4%
5Truist Bank6.2%
6City National Bank of Florida6.1%
7BankUnited, National Association5.6%
8TD Bank, National Association3.1%
29Intercredit Bank, National Association0.6%

9 of 86 institutions shown. $348.8B 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: Miami-Fort Lauderdale-West Palm Beach, FL metro (FDIC metro code 33100)
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: 0.6% share, 2 offices, #29 of 86

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: Miami-Fort Lauderdale-West Palm Beach, FL 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

173 offices of 39 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.

Enforcement actions

5 past actions

Past

Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D)August 8, 2011
OCC. Ended May 17, 2016
Civil Money Penalty (CMP)June 21, 2010
OCC, penalty $200K
Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D)September 9, 2008
OCC. Ended June 6, 2011
Civil Money Penalty (CMP)June 18, 2008
OCC, penalty $8K
Formal AgreementApril 26, 2007
OCC. Ended August 8, 2011

Source: public enforcement action lists from the OCC, 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

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