Compared with Missouri
5 of 13
compared fees are above the median.
5 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
56th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Missouri median
of 13 compared; 5 below, 3 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Mid America 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 Missouri median | Published fees above the Missouri median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Mid America Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.4% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (56th 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 $334K in Q2 2026, 7.0% below the same quarter a year earlier ($359K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
5 of 13 compared published fees sit above the Missouri median; 5 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 Missouri medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Secure Checking with MyScoreBuilder $3.95 · StartFresh Checking $9.95
Compared at $6.95, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 9.2% from Q3 2025 to Q2 2026, to $334K. Its share of revenue, 2.4%, is above the 2.2% median for banks with $1B to $10B in assets.
$334K
Mid America 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 $3.95 to $9.95; we compare the midpoint.
Mid America Bank · $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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Mid America Bank(this institution) | Jefferson City, MO | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 & Trust | Guntersville, AL | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Dime Bank | Norwich, CT | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| 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 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 |
| Katahdin Trust Company | Patten, ME | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | 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 |
| MutualOne Bank | Framingham, MA | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| PeoplesSouth Bank | Colquitt, GA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pointbank | Pilot Point, TX | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Provident Savings Bank, F.S.B. | Riverside, CA | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Solvay Bank | Solvay, NY | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Southwest Missouri Bank | Carthage, MO | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | 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 |
| The First National Bank of Hutchinson | Hutchinson, KS | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 $6.95, the middle of its two prices, against a peer median of $7.95 among 15 publishing peers.
Its two checking prices are $3.95 and $9.95.
$6.95 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 23, 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 23, 2026. Total assets from FDIC and NCUA records.
Call reports for Mid America 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 | $334K | −$11K | −3.2% |
| Q1 2026 | $345K | −$27K | −7.3% |
| Q4 2025 | $372K | +$4K | +1.1% |
| Q3 2025 | $368K | +$9K | +2.5% |
| Q2 2025 | $359K | +$7K | +2.0% |
| Q1 2025 | $352K | −$10K | −2.8% |
| Q4 2024 | $362K | −$7K | −1.9% |
| Q3 2024 | $369K | +$30K | +8.8% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Mid America Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Mid America Bank by share.
Amounts from Mid America Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour · Customer Research or Balancing..........................................................................................................$ 25.00 / Hour
per item
per item
per page
per page
per page · Copy of Current Activity / Statement.....................................................................................................$ 1.00 / Page
per statement · Copy of Past Statements........................................................................................................................$ 5.00 / Statement
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | $3.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| StartFresh Checking Monthly service charge | $9.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive/Dormant Fee - Checking | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive/Dormant Fee - Savings | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Customer Research or Balancing | $25Not compared: Charged per hour; comparison unavailable | per hour | Customer Research or Balancing..........................................................................................................$ 25.00 / Hour |
Overdraft & NSF | |||
| Overdraft (OD) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Return Item Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Return Item Fee daily maximum | $150Inside the U.S. middle 50% ($100 to $160 nationally) | per day | None |
ATM & Card | |||
| ATM Cash Withdrawal @ Foreign ATM | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Debit Card Replacement Fee | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Wire Fee | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Outgoing International Wire Fee | $35Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier's Check Purchase | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks and/or Deposit Tickets | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Copy of Imaged Checks | $1Not compared: Charged per page; comparison unavailable | per page | None |
Account Services | |||
| Safe Deposit Box Drilled Fee | $75Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Key Replacement | $25Not compared: Box drilling or key fee | Not stated | None |
| Garnishments / Levies / Subpoenas | $75Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Other Fees | |||
| Copy of Current Activity / Statement | $1Not compared: Charged per page; comparison unavailable | per page | Copy of Current Activity / Statement.....................................................................................................$ 1.00 / Page |
| Copy of Past Statements | $5Not compared: Charged per statement; comparison unavailable | per statement | Copy of Past Statements........................................................................................................................$ 5.00 / Statement |
Oct 15, 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 Mid America Bank operates, and what regulators and customers have on file.
Branch footprint
11 offices in 1 state, $1.0B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 6 | $851.3M | |
| Outside a metro area | 4 | $141.3M |
| 1 | $40.2M |
Jefferson City, MO
11.1% of bank deposits, #2 of 20, up 3.8 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| The Central Trust Bank | 54.5% |
| Hawthorn Bank | 7.7% |
| Legends Bank | 4.8% |
| The Callaway Bank | 3.6% |
| Midwest Independent BankersBank | 3.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Jefferson City, MO, Mid America Bank holds 11.1% of bank deposits, #2 of 20, with 6 offices.
81 offices of 35 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 20 institutions shown. $7.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 11.1% share, 6 offices, #2 of 20
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
22 offices of 15 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
We check once a day and send one email covering every change.