Security Financial Bank

Headquarters: Durand, Wisconsin
Charter: Bank
Assets: $1.0B
Fed district: Minneapolis
Regulator: Federal Reserve
Holding company: Security Financial Services Corp.

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

Source: its fee schedule, read Oct 14, 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 14, 2026

How these figures are measured

Call-report figures are for Security Financial 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.	Security Financial Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 14, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Security Financial 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 $168K in Q2 2026, 2.3% below the same quarter a year earlier ($172K).
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
Security Financial Bank: $50
Security Financial Bank: $50
U.S. median: no median
Overdraft (OD)
Security Financial Bank: $35
Security Financial Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Security Financial Bank: $30
Security Financial Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Minneapolis 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).
Wisconsin: Banks and credit unions headquartered in Wisconsin that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 2.3% from Q3 2025 to Q2 2026, to $168K.

Service-charge income, Q2 2026

$168K

$172KQ3 2025

$163KQ4 2025

$158KQ1 2026

$168KQ2 2026

Against the median

Security Financial 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

Security Financial Bank · $1B 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
$1B to $1.1B 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
Security Financial Bank(this institution)	Durand, WI	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of the James	Lynchburg, VA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
BNC National Bank	Glendale, AZ	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Brannen Bank	Inverness, FL	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Brentwood Bank	Bethel Park, PA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Calvin B. Taylor Banking Company of Berlin, Maryland	Berlin, MD	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Centennial Bank	Trezevant, TN	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Clear Mountain Bank	Bruceton Mills, WV	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Core Bank	Omaha, NE	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farm Bureau Bank FSB	Reno, NV	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Central Savings Bank	Glen Cove, NY	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Federal Savings and Loan Association of Greene Co	Waynesburg, PA	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Service Bank	Greenbrier, AR	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
GNBank, National Association	Girard, KS	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grand Savings Bank	Grove, OK	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Great Midwest Bank, S.S.B.	Brookfield, WI	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Magyar Bank	New Brunswick, NJ	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nebraskaland Bank	North Platte, NE	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Olympia Federal Savings and Loan Association	Olympia, WA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
OneLocal Bank	Norwood, MA	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
R Bank	Round Rock, TX	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River Bank	Stoddard, WI	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sound Community Bank	Seattle, WA	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Superior National Bank	Hancock, MI	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Monticello Banking Company	Monticello, KY	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Walden Savings Bank	Montgomery, NY	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $42.75 (590%) above the median of similar-sized banks.

Its published price is $50, against a peer median of $7.25 among 18 publishing peers.

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

Security Financial BankPeer (equal prices stack)Peer medianInclude 2 outliers ($37.50, $50)Shown past the axis break, not to scale, so the rest of the set has room.

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 Security Financial 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: $168K
vs prior quarter: +$10K+6.3%; from Q1 2026
vs a year earlier: −$4K−2.3%; from Q2 2025
vs start of range: −$24K−12.5%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Security Financial 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	$168K	+$10K	+6.3%
Q1 2026	$158K	−$5K	−3.1%
Q4 2025	$163K	−$9K	−5.2%
Q3 2025	$172K	$0	0.0%
Q2 2025	$172K	+$7K	+4.2%
Q1 2025	$165K	−$16K	−8.8%
Q4 2024	$181K	−$11K	−5.7%
Q3 2024	$192K	+$17K	+9.7%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Security Financial Bank’s own schedules, with a source for each figure.

Account Maintenance

Hemp Banking Monthly Fee$50
per month
Account Research / Balancing Assistance$35
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3
per month
Excess Withdrawals$10
per item
Return Mail Fee (assessed upon first receipt of return mail)$5

Overdraft & NSF

Overdraft Fee Per Item$35
per item
Overdraft Protection – Sweep from Deposit Account per Transaction$7
per item

ATM & Card

Expedited Debit Card Fee$25
Cross-Border1.8%of the transaction

Wire Transfers

Bank-Initiated Wire Transfer – Domestic Outgoing$30
Bank-Initiated Wire Transfer – Domestic Incoming$20
Bank-Initiated Wire Transfer – International Outgoing$55
Bank-Initiated Wire Transfer – International Incoming$45

Check Services

Cashiers Check$7
Money Order$5
Stop Payment or Post-Dated Stop$35
Check Cashing Fee (Non-Customer)$1
Canadian or Other Foreign Check Processing Fee per check$10
per item

Digital & Electronic

Online Bill Pay$5
per month

Cash & Deposit

Coin Counting (Non-Customer)10%
Deposited Check Returned Unpaid / Unqualified Return (Per Item, Per Presentment)$10
per item

Account Services

Legal Action: Garnishment or Levy$100

Retirement & IRA

IRA Transfer to Another Institution$25

Gift & Prepaid Cards

Gift Card Purchase per card$4.95
per item
Travel/Access Card Reload Fee per Card$4.95
per item

Other Fees

Duplicate Statement Copies$5
Faxes: Sent per transmission$5
Photocopy – Black & White or Color per Page$0.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Hemp Banking Monthly Fee	$50	per month	None
Account Research / Balancing Assistance	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3	per month	None
Excess Withdrawals	$10	per item	None
Return Mail Fee (assessed upon first receipt of return mail)	$5	Not stated	None
Overdraft & NSF
Overdraft Fee Per Item	$35	per item	None
Overdraft Protection – Sweep from Deposit Account per Transaction	$7	per item	None
ATM & Card
Expedited Debit Card Fee	$25	Not stated	None
Cross-Border	1.8%of the transaction	Not stated	None
Wire Transfers
Bank-Initiated Wire Transfer – Domestic Outgoing	$30	Not stated	None
Bank-Initiated Wire Transfer – Domestic Incoming	$20	Not stated	None
Bank-Initiated Wire Transfer – International Outgoing	$55	Not stated	None
Bank-Initiated Wire Transfer – International Incoming	$45	Not stated	None
Check Services
Cashiers Check	$7	Not stated	None
Money Order	$5	Not stated	None
Stop Payment or Post-Dated Stop	$35	Not stated	None
Check Cashing Fee (Non-Customer)	$1	Not stated	None
Canadian or Other Foreign Check Processing Fee per check	$10	per item	None
Digital & Electronic
Online Bill Pay	$5	per month	None
Cash & Deposit
Coin Counting (Non-Customer)	10%	Not stated	None
Deposited Check Returned Unpaid / Unqualified Return (Per Item, Per Presentment)	$10	per item	None
Account Services
Legal Action: Garnishment or Levy	$100	Not stated	None
Retirement & IRA
IRA Transfer to Another Institution	$25	Not stated	None
Gift & Prepaid Cards
Gift Card Purchase per card	$4.95	per item	None
Travel/Access Card Reload Fee per Card	$4.95	per item	None
Other Fees
Duplicate Statement Copies	$5	Not stated	None
Faxes: Sent per transmission	$5	Not stated	None
Photocopy – Black & White or Color per Page	$0.50	per item	None

Correct a fee source

Oct 14, 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 Security Financial Bank operates, and what regulators and customers have on file.

Market position

In Eau Claire, WI, Security Financial Bank holds 6.6% of bank deposits, #7 of 22, with 2 offices.

Compare fees with the 19 Eau Claire, WI banks and credit unions in its home-metro peer set →

Offices in the metro

77 offices of 27 institutions shown.

Security Financial 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: Eau Claire, WI metro (FDIC metro code 20740), 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: 4 offices have no coordinates on file

Share of bank deposits

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

1Northwestern Bank13.8%
2Associated Bank, National Association12.6%
3Citizens Community Federal National Association11.5%
4Nicolet National Bank11.4%
5U.S. Bank National Association9.0%
6Wells Fargo Bank, National Association7.1%
7Security Financial Bank6.6%
8Security Bank4.4%

8 of 22 institutions shown. $3.7B 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: Eau Claire, WI metro (FDIC metro code 20740)
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: 6.6% share, 2 offices, #7 of 22

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: Eau Claire, WI 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

35 offices of 5 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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