Benchmark Community Bank

Headquarters: Kenbridge, Virginia
Charter: Bank
Assets: $1.4B
Fed district: Richmond

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

Source: its fee schedule, read Oct 16, 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 16, 2026

How these figures are measured

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) 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.	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

Details

Source: FFIEC call report (bulk data)
Entity: Benchmark Community Bank (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 $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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $12.50, the middle of its prices
Benchmark Community Bank: $5 to $20
Benchmark Community Bank: $5 to $20
U.S. median: no median
Overdraft (OD)
Benchmark Community Bank: $37
Benchmark Community Bank: $37
U.S. median: no median
NSF / Returned Item
Benchmark Community Bank: $10
Benchmark Community Bank: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

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.

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).
Virginia: Banks and credit unions headquartered in Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 rose 8.0% from Q3 2025 to Q2 2026, to $470K.

Service-charge income, Q2 2026

$470K

$435KQ3 2025

$428KQ4 2025

$423KQ1 2026

$470KQ2 2026

Against the median

Benchmark Community BankMedian

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

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.

Banks only
$1.4B to $1.5B in assets
Headquartered in 20 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
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.50 (56%) above the median of similar-sized banks.

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

Benchmark Community Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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.

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 Benchmark Community Bank (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: $470K
vs prior quarter: +$47K+11.1%; from Q1 2026
vs a year earlier: +$87K+22.7%; from Q2 2025
vs start of range: +$18K+4.0%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Benchmark Community Bank (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	$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%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Benchmark Community Bank’s own schedules, with a source for each figure.

Account Maintenance

Service charge$5
per month
Service charge$20
per month
Early Account Closing Fee$35
Dormant Account Fee$10
per month
Escheatment Fee$50
Excessive Withdrawal Fee (Savings/Money Market)$5
per item

Overdraft & NSF

Overdraft Fee$37
per item
Non-sufficient Funds (NSF) Fee$10
per item

ATM & Card

Withdrawal at Foreign (Non-Benchmark) ATM$3
per item
Replacement of Lost or Damaged Visa Debit Card$5

Wire Transfers

Outgoing Domestic Wire Fee$25
Incoming Wire Fee$20
Outgoing International Wire Fee$50

Check Services

Official Check Fee$10
Stop Payment Order Fee$35
per item
Counter Check Printing Fee$1
per item
Foreign Check Collection Fee$65
per item

Digital & Electronic

Bill Pay & Zelle$3
per month

Cash & Deposit

Returned Deposited Item Fee$8
per item

Account Services

Notary Service (per request)$1
per item
Box Size: 10" x 10"$120
Box Size: 3" x 10"$60
Box Size: 3" x 5"$30
Box Size: 5" x 10"$90
Safe Deposit Box Late Payment$15
Not compared: Box drilling or key fee
External Liens/Levies on Accounts$100

Retirement & IRA

IRA Trustee Transfer Fee$50

Other Fees

Statement and Image Reproduction$5
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Service charge	$5	per month	None
Service charge	$20	per month	None
Early Account Closing Fee	$35	Not stated	None
Dormant Account Fee	$10	per month	None
Escheatment Fee	$50	Not stated	None
Excessive Withdrawal Fee (Savings/Money Market)	$5	per item	None
Overdraft & NSF
Overdraft Fee	$37	per item	None
Non-sufficient Funds (NSF) Fee	$10	per item	None
ATM & Card
Withdrawal at Foreign (Non-Benchmark) ATM	$3	per item	None
Replacement of Lost or Damaged Visa Debit Card	$5	Not stated	None
Wire Transfers
Outgoing Domestic Wire Fee	$25	Not stated	None
Incoming Wire Fee	$20	Not stated	None
Outgoing International Wire Fee	$50	Not stated	None
Check Services
Official Check Fee	$10	Not stated	None
Stop Payment Order Fee	$35	per item	None
Counter Check Printing Fee	$1	per item	None
Foreign Check Collection Fee	$65	per item	None
Digital & Electronic
Bill Pay & Zelle	$3	per month	None
Cash & Deposit
Returned Deposited Item Fee	$8	per item	None
Account Services
Notary Service (per request)	$1	per item	None
Box Size: 10" x 10"	$120	Not stated	None
Box Size: 3" x 10"	$60	Not stated	None
Box Size: 3" x 5"	$30	Not stated	None
Box Size: 5" x 10"	$90	Not stated	None
Safe Deposit Box Late Payment	$15Not compared: Box drilling or key fee	Not stated	None
External Liens/Levies on Accounts	$100	Not stated	None
Retirement & IRA
IRA Trustee Transfer Fee	$50	Not stated	None
Other Fees
Statement and Image Reproduction	$5Not compared: Monthly charge, not per item	per month	None

Correct a fee source

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.

Branches and public record

Where Benchmark Community Bank operates, and what regulators and customers have on file.

Market position

In Raleigh-Cary, NC, Benchmark Community Bank holds 0.1% of bank deposits, #26 of 37, with 3 offices.

Compare fees with the 45 Raleigh-Cary, NC banks and credit unions in its home-metro peer set →

Offices in the metro

374 offices of 54 institutions shown.

Benchmark Community BankOther 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: Raleigh-Cary, NC metro (FDIC metro code 39580), 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: 10 offices have no coordinates on file

Share of bank deposits

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

1First-Citizens Bank & Trust Company64.6%
2Wells Fargo Bank, National Association7.0%
3Truist Bank6.9%
4Bank of America, National Association3.9%
5PNC Bank, National Association3.8%
6TowneBank1.9%
7First Carolina Bank1.3%
8First Horizon Bank1.2%
26Benchmark Community Bank0.1%

9 of 37 institutions shown. $110.3B 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: Raleigh-Cary, NC metro (FDIC metro code 39580)
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, 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.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2015 to 2026
Area: Raleigh-Cary, NC 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

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.

Fee change alerts

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