Katahdin Trust Company

Headquarters: Patten, Maine
Charter: Bank
Assets: $1.2B
Fed district: Boston
Regulator: FDIC
Holding company: Katahdin Bankshares Corp.

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

Source: its fee schedule, read Nov 2, 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 Nov 2, 2026

How these figures are measured

Call-report figures are for Katahdin Trust Company 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.	Katahdin Trust Company's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Katahdin Trust Company (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 $179K in Q2 2026, 14% below the same quarter a year earlier ($207K).
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 $3.98, the middle of its prices
Katahdin Trust Company: $1 to $6.95
Katahdin Trust Company: $1 to $6.95
U.S. median: no median
Overdraft (OD)
Katahdin Trust Company: $34
Katahdin Trust Company: $34
U.S. median: no median
NSF / Returned Item
Compared at $44, the middle of its prices
Katahdin Trust Company: $34 to $54
Katahdin Trust Company: $34 to $54
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maine, the Boston 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).
Maine: Banks and credit unions headquartered in Maine that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston 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 6.8% from Q3 2025 to Q2 2026, to $179K.

Service-charge income, Q2 2026

$179K

$192KQ3 2025

$182KQ4 2025

$181KQ1 2026

$179KQ2 2026

Against the median

Katahdin Trust CompanyMedian

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

Katahdin Trust Company · $1.2B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$1.1B to $1.2B in assets
Headquartered in 18 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
Katahdin Trust Company(this institution)	Patten, ME	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank Forward	Fargo, ND	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Commerce	Greenwood, MS	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Pontiac	Pontiac, IL	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of Washington	Washington, MO	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank	Mukwonago, WI	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Citizens Bank of Las Cruces	Las Cruces, NM	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community National Bank	Derby, VT	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
EverTrust Bank	City of Industry, CA	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Evolve Bank & Trust	West Memphis, AR	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Financial Federal Bank	Memphis, TN	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Arkansas Bank and Trust	Jacksonville, AR	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Federal Bank of Louisiana	Lake Charles, LA	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First General Bank	Rowland Heights, CA	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First National Bank	Altavista, VA	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank and Trust Company of Newtown	Newtown, PA	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
First US Bank	Birmingham, AL	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Helm Bank USA	Miami, FL	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mid America Bank	Jefferson City, MO	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Montgomery Bank	Sikeston, MO	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Pentucket Bank	Haverhill, MA	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pointbank	Pilot Point, TX	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Reading Co-operative Bank	Reading, MA	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Somerset Regal Bank	Bound Brook, NJ	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sturdy Savings Bank	Stone Harbor, NJ	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Trustar Bank	Great Falls, VA	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $4.77 (55%) below the median of similar-sized banks.

Compared at $3.98, the middle of its two prices, against a peer median of $8.74 among 14 publishing peers.

Its two checking prices are $1 and $6.95.

$3.98 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Katahdin Trust Company: 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 Nov 2, 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 Katahdin Trust Company (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: $179K
vs prior quarter: −$2K−1.1%; from Q1 2026
vs a year earlier: −$28K−13.5%; from Q2 2025
vs start of range: −$32K−15.2%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Katahdin Trust Company (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	$179K	−$2K	−1.1%
Q1 2026	$181K	−$1K	−0.5%
Q4 2025	$182K	−$10K	−5.2%
Q3 2025	$192K	−$15K	−7.2%
Q2 2025	$207K	+$15K	+7.8%
Q1 2025	$192K	−$27K	−12.3%
Q4 2024	$219K	+$8K	+3.8%
Q3 2024	$211K	−$10K	−4.5%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Katahdin Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$6.95
per month
Monthly Service Charge$1
per month
New Accounts Closed within 90 Days$15
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Foreign: Returned Mail Fee (4)$5

Overdraft & NSF

Overdraft Fee (1)$34
Non-Sufficient Funds (NSF) Fee (Returned Item)$54
Non-Sufficient Funds (NSF) Fee (Returned Item)$34
Personal Account Sustained Overdraft Fee$10
per day

ATM & Card

Replace/Reissue Visa Debit Card$10

Wire Transfers

Safe Deposit Box: Wire Transfers - Outgoing$25
Wire Transfers - Incoming$15

Check Services

Treasurer's Check$5
Treasurer's Check - Reissue Fee$7
Stop Payment$34
per item
Collection Charge$20
Copy of Check$2

Digital & Electronic

Same Day ACH$5
per item
Online Bill PaymentNo charge
Zelle®No charge

Account Services

Notary Public Service$5
Drilling$25
Not compared: Box drilling or key fee
Replacement Key$15
Not compared: Box drilling or key fee
Legal Processing for Levy/Trustee Summons$100

Other Fees

Copy of Statement (paper/electronic)$5
Fax (incoming/outgoing)$2
Not compared: Charged per page; comparison unavailable
per page
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$6.95	per month	None
Monthly Service Charge	$1	per month	None
New Accounts Closed within 90 Days	$15	Not stated	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Foreign: Returned Mail Fee (4)	$5	Not stated	None
Overdraft & NSF
Overdraft Fee (1)	$34	Not stated	None
Non-Sufficient Funds (NSF) Fee (Returned Item)	$54	Not stated	None
Non-Sufficient Funds (NSF) Fee (Returned Item)	$34	Not stated	None
Personal Account Sustained Overdraft Fee	$10	per day	None
ATM & Card
Replace/Reissue Visa Debit Card	$10	Not stated	None
Wire Transfers
Safe Deposit Box: Wire Transfers - Outgoing	$25	Not stated	None
Wire Transfers - Incoming	$15	Not stated	None
Check Services
Treasurer's Check	$5	Not stated	None
Treasurer's Check - Reissue Fee	$7	Not stated	None
Stop Payment	$34	per item	None
Collection Charge	$20	Not stated	None
Copy of Check	$2	Not stated	None
Digital & Electronic
Same Day ACH	$5	per item	None
Online Bill Payment	No charge	Not stated	None
Zelle®	No charge	Not stated	None
Account Services
Notary Public Service	$5	Not stated	None
Drilling	$25Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$15Not compared: Box drilling or key fee	Not stated	None
Legal Processing for Levy/Trustee Summons	$100	Not stated	None
Other Fees
Copy of Statement (paper/electronic)	$5	Not stated	None
Fax (incoming/outgoing)	$2Not compared: Charged per page; comparison unavailable	per page	None
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Account Maintenance

New Accounts Closed within 90 Days$15
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Foreign: Returned Mail Fee (4)$5

Overdraft & NSF

Overdraft Fee (1)$34
Non-Sufficient Funds (NSF) Fee (Returned Item)$54
Non-Sufficient Funds (NSF) Fee (Returned Item)$34

ATM & Card

Replace/Reissue Visa Debit Card$10

Wire Transfers

Safe Deposit Box: Wire Transfers - Outgoing$25
Wire Transfers - Incoming$15

Check Services

Treasurer's Check$5
Treasurer's Check - Reissue Fee$7
Stop Payment$34
per item
Business Services: Counter Check$0.50
Collection Charge$20
Copy of Check$2

Digital & Electronic

Same Day ACH$5
per item
Cards: Deposited or ACH Item Returned (Business)$10
Copy of Business Online Bill Payment Check$11
Online Bill PaymentNo charge
Zelle®No charge

Account Services

Notary Public Service$5
Drilling$25
Not compared: Box drilling or key fee
Replacement Key$15
Not compared: Box drilling or key fee
Legal Processing for Levy/Trustee Summons$100

Other Fees

Copy of Statement (paper/electronic)$5
Fax (incoming/outgoing)$2
Not compared: Charged per page; comparison unavailable
per page
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
New Accounts Closed within 90 Days	$15	Not stated	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Foreign: Returned Mail Fee (4)	$5	Not stated	None
Overdraft & NSF
Overdraft Fee (1)	$34	Not stated	None
Non-Sufficient Funds (NSF) Fee (Returned Item)	$54	Not stated	None
Non-Sufficient Funds (NSF) Fee (Returned Item)	$34	Not stated	None
ATM & Card
Replace/Reissue Visa Debit Card	$10	Not stated	None
Wire Transfers
Safe Deposit Box: Wire Transfers - Outgoing	$25	Not stated	None
Wire Transfers - Incoming	$15	Not stated	None
Check Services
Treasurer's Check	$5	Not stated	None
Treasurer's Check - Reissue Fee	$7	Not stated	None
Stop Payment	$34	per item	None
Business Services: Counter Check	$0.50	Not stated	None
Collection Charge	$20	Not stated	None
Copy of Check	$2	Not stated	None
Digital & Electronic
Same Day ACH	$5	per item	None
Cards: Deposited or ACH Item Returned (Business)	$10	Not stated	None
Copy of Business Online Bill Payment Check	$11	Not stated	None
Online Bill Payment	No charge	Not stated	None
Zelle®	No charge	Not stated	None
Account Services
Notary Public Service	$5	Not stated	None
Drilling	$25Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$15Not compared: Box drilling or key fee	Not stated	None
Legal Processing for Levy/Trustee Summons	$100	Not stated	None
Other Fees
Copy of Statement (paper/electronic)	$5	Not stated	None
Fax (incoming/outgoing)	$2Not compared: Charged per page; comparison unavailable	per page	None
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Nov 2, 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 Katahdin Trust Company operates, and what regulators and customers have on file.

Market position

In Bangor, ME, Katahdin Trust Company holds 7.9% of bank deposits, #5 of 9, with 4 offices.

Compare fees with the 16 Bangor, ME banks and credit unions in its home-metro peer set →

Offices in the metro

67 offices of 22 institutions shown.

Katahdin Trust CompanyOther 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: Bangor, ME metro (FDIC metro code 12620), 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: 3 offices have no coordinates on file

Share of bank deposits

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

1Bangor Savings Bank45.4%
2TD Bank, National Association12.0%
3Machias Savings Bank11.3%
4The Camden National Bank9.7%
5Katahdin Trust Company7.9%
6Bar Harbor Bank & Trust4.8%
7KeyBank National Association4.5%
8First National Bank3.0%

8 of 9 institutions shown. $4.9B 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: Bangor, ME metro (FDIC metro code 12620)
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: 7.9% share, 4 offices, #5 of 9

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: Bangor, ME 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

29 offices of 14 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

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve, 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

Get an email when Katahdin Trust Company's foreign transaction changes in our data

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