Compared with Virginia
12 of 21
compared fees are above the median.
6 below, 3 about the same.
About the same: within 1% of the median.
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
58th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Virginia median
of 21 compared; 6 below, 3 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Benchmark Community 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) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Virginia median | Published fees above the Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Benchmark Community Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.5% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (58th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $470K in Q2 2026, 23% above the same quarter a year earlier ($383K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
12 of 21 compared published fees sit above the Virginia median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Virginia medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $12.50, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Virginia, 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 8.0% from Q3 2025 to Q2 2026, to $470K. Its share of revenue, 2.5%, is above the 2.2% median for banks with $1B to $10B in assets.
$470K
Benchmark Community BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $20; we compare the midpoint.
Benchmark Community Bank · $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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Benchmark Community Bank(this institution) | Kenbridge, VA | $1.4B | 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 |
| American Riviera Bank | Santa Barbara, CA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| Armed Forces Bank, National Association | Fort Leavenworth, KS | $1.4B | 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 |
| 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 |
| Citizens Bank | Elizabethton, TN | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 Federal Savings Bank of Twin Falls | Twin Falls, ID | $1.4B | Monthly maintenance not published | 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 |
| Grove Bank & Trust | Miami, FL | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| Marquette Savings Bank | Erie, PA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| Peoples Bank of Alabama | Cullman, AL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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 |
| Ulster Savings Bank | Kingston, NY | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Watertown Savings Bank | Watertown, MA | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $12.50, the middle of its two prices, against a peer median of $8 among 15 publishing peers.
Its two checking prices are $5 and $20.
$12.50 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 29, 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 29, 2026. Total assets from FDIC and NCUA records.
Call reports for Benchmark Community 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 | $470K | +$47K | +11.1% |
| Q1 2026 | $423K | −$5K | −1.2% |
| Q4 2025 | $428K | −$7K | −1.6% |
| Q3 2025 | $435K | +$52K | +13.6% |
| Q2 2025 | $383K | −$21K | −5.2% |
| Q1 2025 | $404K | −$57K | −12.4% |
| Q4 2024 | $461K | +$9K | +2.0% |
| Q3 2024 | $452K | +$32K | +7.6% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Benchmark Community Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Benchmark Community Bank by share.
Amounts from Benchmark Community Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per item
per item
per item
per item
per month
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closing Fee | $35Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Excessive Withdrawal Fee (Savings/Money Market) | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft Fee | $37Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-sufficient Funds (NSF) Fee | $10Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Withdrawal at Foreign (Non-Benchmark) ATM | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement of Lost or Damaged Visa Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Fee | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Fee | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing International Wire Fee | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check Fee | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Order Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Check Printing Fee | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Foreign Check Collection Fee | $65Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay & Zelle | $3Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Returned Deposited Item Fee | $8Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service (per request) | $1Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Box Size: 10" x 10" | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Box Size: 3" x 10" | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Box Size: 3" x 5" | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Box Size: 5" x 10" | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Late Payment | $15Not compared: Box drilling or key fee | Not stated | None |
| External Liens/Levies on Accounts | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Trustee Transfer Fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement and Image Reproduction | $5Not compared: Monthly charge, not per item | per month | None |
Oct 16, 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 Benchmark Community Bank operates, and what regulators and customers have on file.
Branch footprint
18 offices in 2 states, $1.3B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 15 | $1.2B |
| 3 | $73.4M |
Raleigh-Cary, NC
0.1% of bank deposits, #26 of 37, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| First-Citizens Bank & Trust Company | 64.6% |
| Wells Fargo Bank, National Association | 7% |
| Truist Bank | 6.9% |
| Bank of America, National Association | 3.9% |
| PNC Bank, National Association | 3.8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Raleigh-Cary, NC, Benchmark Community Bank holds 0.1% of bank deposits, #26 of 37, with 3 offices.
374 offices of 54 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 37 institutions shown. $110.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2015 to 2026
June 2026: 0.1% share, 3 offices, #26 of 37
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2015 to 2026.
Credit unions, reported separately
95 offices of 17 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
1 past action
Past
Federal Reserve · Order
Source: public enforcement action lists from the Federal Reserve, read November 1, 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.
Holding company
BENCHMARK BANKSHARES INC (OTC: BMBN)
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 804563. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.