Compared with Maine
7 of 16
compared fees are above the median.
3 below, 6 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
32nd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Maine median
of 16 compared; 3 below, 6 about the same
See the feesFee schedule read Nov 2, 2026
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) 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 Maine median | Published fees above the Maine 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
Service charges were 1.5% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (32nd 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 $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.
7 of 16 compared published fees sit above the Maine median; 3 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 Maine medians for fees published by banks and credit unions.
NSF / Returned Item
Compared at $44, the middle of its prices
Monthly Maintenance
Compared at $3.98, the middle of its prices
Overdraft (OD)
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.
Service-charge income fell 6.8% from Q3 2025 to Q2 2026, to $179K. Its share of revenue, 1.5%, is below the 2.2% median for banks with $1B to $10B in assets.
$179K
Katahdin Trust CompanyMedian
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 $1 to $6.95; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Katahdin Trust Company (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 | $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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Katahdin Trust Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Katahdin Trust Company by share.
Amounts from Katahdin Trust Company’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per day
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge | $6.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New Accounts Closed within 90 Days | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Foreign: Returned Mail Fee (4) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee (1) | $34Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) Fee (Returned Item) | $54Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) Fee (Returned Item) | $34Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Personal Account Sustained Overdraft Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Replace/Reissue Visa Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Safe Deposit Box: Wire Transfers - Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers - Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Treasurer's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Treasurer's Check - Reissue Fee | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $34Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Charge | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Check | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Same Day ACH | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Online Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Zelle® | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary Public Service | $5Inside the U.S. middle 50% ($0 to $5 nationally) | 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 | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement (paper/electronic) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | 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 |
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| New Accounts Closed within 90 Days | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Foreign: Returned Mail Fee (4) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee (1) | $34Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) Fee (Returned Item) | $54Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) Fee (Returned Item) | $34Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Replace/Reissue Visa Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Safe Deposit Box: Wire Transfers - Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers - Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Treasurer's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Treasurer's Check - Reissue Fee | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $34Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Business Services: Counter Check | $0.50 | Not stated | None |
| Collection Charge | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Check | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Same Day ACH | $5Inside the U.S. middle 50% ($5 to $15 nationally) | 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 chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Zelle® | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary Public Service | $5Inside the U.S. middle 50% ($0 to $5 nationally) | 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 | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement (paper/electronic) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | 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 |
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.
Where Katahdin Trust Company operates, and what regulators and customers have on file.
Branch footprint
17 offices in 1 state, $965.9M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 12 | $531.3M |
| 4 | $388.4M | |
| 1 | $46.1M |
Bangor, ME
7.9% of bank deposits, #5 of 9, up 0.9 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bangor Savings Bank | 45.4% |
| TD Bank, National Association | 12% |
| Machias Savings Bank | 11.3% |
| The Camden National Bank | 9.7% |
| Bar Harbor Bank & Trust | 4.8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Bangor, ME, Katahdin Trust Company holds 7.9% of bank deposits, #5 of 9, with 4 offices.
67 offices of 22 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.
8 of 9 institutions shown. $4.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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 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.
Fee change alerts
We check once a day and send one email covering every change.