Compared with Minnesota
2 of 13
compared fees are above the median.
8 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
17th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Minnesota median
of 13 compared; 8 below, 3 about the same
See the feesFee schedule read Apr 20, 2026
Call-report figures are for Midwest 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 1,412 banks with $300M to $1B 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 Minnesota median | Published fees above the Minnesota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Midwest Bank's published fee schedule; Bank Fee Index medians | Current schedule | Apr 20, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.0% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (17th 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 $106K in Q2 2026, 2.8% below the same quarter a year earlier ($109K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 13 compared published fees sit above the Minnesota median; 8 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 Minnesota medians for fees published by banks and credit unions.
Overdraft (OD)
Stop Payment
Cashier's Check
Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was about level from Q3 2025 to Q2 2026, at $106K. Its share of revenue, 1.0%, is below the 2.1% median for banks with $300M to $1B in assets.
$106K
Midwest BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Midwest Bank · $985M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Midwest Bank(this institution) | Detroit Lakes, MN | $985M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| Central Bank | Little Rock, AR | $955M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Dream First Bank, National Association | Syracuse, KS | $964M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dundee Bank | Omaha, NE | $976M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Bank & Trust Co. | Duncan, OK | $952M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Bank of Kansas City | Lees Summit, MO | $993M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Federal Community Bank, National Association | Dover, OH | $995M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Metro Bank | Muscle Shoals, AL | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank and Trust Company of Weatherford | Weatherford, TX | $968M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Security Bank | Batesville, MS | $977M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First State Bank | Waynesboro, MS | $952M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Haven Savings Bank | Hoboken, NJ | $987M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| HomeTown Bank, National Association | Galveston, TX | $990M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| International Bank of Chicago | Chicago, IL | $983M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | Jonestown, PA | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kirkpatrick Bank | Edmond, OK | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Presidential Bank, FSB | Bethesda, MD | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| River Bank | Stoddard, WI | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Bank | Henderson, TX | $954M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Bank of Old Monroe | Old Monroe, MO | $995M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Middle Tennessee | Mcminnville, TN | $952M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Killbuck Savings Bank Company | Killbuck, OH | $954M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Port Washington State Bank | Port Washington, WI | $1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Torrington Savings Bank | Torrington, CT | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Vision Bank | Ada, OK | $1000M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ 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
The peer median is $7.50 among 15 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
Midwest Bank does not publish a monthly maintenance fee, so it is not on this chart.
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 Midwest 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 | $106K | +$11K | +11.6% |
| Q1 2026 | $95K | +$6K | +6.7% |
| Q4 2025 | $89K | −$17K | −16.0% |
| Q3 2025 | $106K | −$3K | −2.8% |
| Q2 2025 | $109K | +$12K | +12.4% |
| Q1 2025 | $97K | −$8K | −7.6% |
| Q4 2024 | $105K | +$2K | +1.9% |
| Q3 2024 | $103K | −$2K | −1.9% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Midwest Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Midwest Bank by share.
Amounts from Midwest Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closing Fee (If closed within 90 days of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (Per month) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research and Balancing | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Charge | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Continuous Overdraft Charge | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Overdraft Daily Cap | $125Inside the U.S. middle 50% ($100 to $161.25 nationally) | per day | None |
ATM & Card | |||
| ATM/Debit Card Replacement | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Cashier’s Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Personal Money Orders | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Charge (Per Item) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Foreign Check Processing | $4Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay & Zelle | $25Not compared: Per-item charge, not monthly | per item | None |
Cash & Deposit | |||
| Loose Coin Counting Fee (audience not stated, treated as personal) | 10% | Not stated | None |
| Deposit Item Return Charge (Per Return) | $4Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Safe Deposit Boxes (sizes vary per location) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Drilling Fee | $300Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Key Replacement Charge | $25Not compared: Box drilling or key fee | Not stated | None |
Other Fees | |||
| Copy of Bank Statements | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Apr 20, 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 Midwest Bank operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state, $788.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 6 | $670.0M |
| 1 | $118.5M |
Fargo, ND-MN
0.9% of bank deposits, #19 of 32, up 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bell Bank | 29.1% |
| First International Bank & Trust | 11.9% |
| Gate City Bank | 9.3% |
| Choice Financial Group | 7.9% |
| U.S. Bank National Association | 7.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Fargo, ND-MN, Midwest Bank holds 0.9% of bank deposits, #19 of 32, with 1 office.
122 offices of 44 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.
9 of 32 institutions shown. $12.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.9% share, 1 office, #19 of 32
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
32 offices of 13 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.