Compared with Wisconsin
15 of 22
compared fees are above the median.
3 below, 4 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
37th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Wisconsin median
of 22 compared; 3 below, 4 about the same
See the feesFee schedule read Oct 14, 2026
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) 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 Wisconsin median | Published fees above the Wisconsin 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
Service charges were 1.7% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (37th 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 $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.
15 of 22 compared published fees sit above the Wisconsin 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 Wisconsin medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
Wire Transfer (Domestic Out)
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.
Service-charge income fell 2.3% from Q3 2025 to Q2 2026, to $168K. Its share of revenue, 1.7%, is below the 2.2% median for banks with $1B to $10B in assets.
$168K
Security Financial 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.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Security Financial 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 | $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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Security Financial Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Security Financial Bank by share.
Amounts from Security Financial Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Hemp Banking Monthly Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research / Balancing Assistance | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Excess Withdrawals | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Return Mail Fee (assessed upon first receipt of return mail) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee Per Item | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Protection – Sweep from Deposit Account per Transaction | $7Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Expedited Debit Card Fee | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Cross-Border | 1.8%of the transaction | Not stated | None |
Wire Transfers | |||
| Bank-Initiated Wire Transfer – Domestic Outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Bank-Initiated Wire Transfer – Domestic Incoming | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Bank-Initiated Wire Transfer – International Outgoing | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Bank-Initiated Wire Transfer – International Incoming | $45Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment or Post-Dated Stop | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing Fee (Non-Customer) | $1Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Canadian or Other Foreign Check Processing Fee per check | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Digital & Electronic | |||
| Online Bill Pay | $5Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Coin Counting (Non-Customer) | 10% | Not stated | None |
| Deposited Check Returned Unpaid / Unqualified Return (Per Item, Per Presentment) | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Legal Action: Garnishment or Levy | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer to Another Institution | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card Purchase per card | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
| Travel/Access Card Reload Fee per Card | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Duplicate Statement Copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Faxes: Sent per transmission | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy – Black & White or Color per Page | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
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.
Where Security Financial Bank operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state, $827.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 5 | $539.4M |
| 2 | $245.1M | |
| 1 | $43.0M |
Eau Claire, WI
6.6% of bank deposits, #7 of 22, up 1.6 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Northwestern Bank | 13.8% |
| Associated Bank, National Association | 12.6% |
| Citizens Community Federal National Association | 11.5% |
| Nicolet National Bank | 11.4% |
| U.S. Bank National Association | 9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Eau Claire, WI, Security Financial Bank holds 6.6% of bank deposits, #7 of 22, with 2 offices.
77 offices of 27 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 22 institutions shown. $3.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 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.
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.
Enforcement actions
2 past actions
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.