Community First Bank

Headquarters: Boscobel, Wisconsin
Charter: Bank
Assets: $634.1M
Fed district: Chicago
Regulator: Federal Reserve
Holding company: Boscobel Bancorp Inc.

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

Source: its fee schedule, read Oct 15, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 15, 2026

How these figures are measured

Call-report figures are for Community First 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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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.	Community First 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

Details

Source: FDIC BankFind Suite (call report data)
Entity: Community First Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $111K in Q2 2026, 1.8% above 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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Community First Bank: $5
Community First Bank: $5
U.S. median: no median
Overdraft (OD)
Community First Bank: $30
Community First Bank: $30
U.S. median: no median
NSF / Returned Item
Community First Bank: $30
Community First Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Chicago 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.
Chicago district: Banks and credit unions headquartered in the Chicago 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 11% from Q3 2025 to Q2 2026, to $111K.

Service-charge income, Q2 2026

$111K

$125KQ3 2025

$119KQ4 2025

$112KQ1 2026

$111KQ2 2026

Against the median

Community First BankMedian

Sources and open questions

FDIC 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

Community First Bank · $634M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.

Banks only
$620M to $649M in assets
Headquartered in 14 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
Community First Bank(this institution)	Boscobel, WI	$634M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
American State Bank	Arp, TX	$638M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank & Trust Company	Litchfield, IL	$641M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Century Savings Bank	Vineland, NJ	$635M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Claremont Savings Bank	Claremont, NH	$620M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
DeMotte State Bank	Demotte, IN	$622M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First National Bank of Louisiana	Crowley, LA	$631M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Port City Bank	Bainbridge, GA	$624M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
FNBT BANK	Fort Walton Beach, FL	$629M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Haverhill Bank	Haverhill, MA	$637M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
High Plains Bank	Flagler, CO	$643M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Home Federal Bank	Shreveport, LA	$644M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Legence Bank	Eldorado, IL	$643M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Legends Bank	Linn, MO	$636M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Modern Bank, National Association	New York, NY	$649M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Phelps County Bank	Rolla, MO	$622M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Quaint Oak Bank	Southampton, PA	$631M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Southeastern Bank	Darien, GA	$625M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Spring Bank	Bronx, NY	$641M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Bank of Tescott	Tescott, KS	$648M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Carmi	Carmi, IL	$622M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The State National Bank of Big Spring	Big Spring, TX	$640M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tioga State Bank National Association	Spencer, NY	$625M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
TrustBank	Olney, IL	$640M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Walpole Co-operative Bank	Walpole, MA	$646M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Woodlands Bank	Williamsport, PA	$640M	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 · 11 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $1.50 (23%) below the median of similar-sized banks.

Its published price is $5, against a peer median of $6.50 among 11 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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Community First BankPeer (equal prices stack)Peer median

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 31, 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 Community First 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: $111K
vs prior quarter: −$1K−0.9%; from Q1 2026
vs a year earlier: +$2K+1.8%; from Q2 2025
vs start of range: −$6K−5.1%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Community First Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$111K	−$1K	−0.9%
Q1 2026	$112K	−$7K	−5.9%
Q4 2025	$119K	−$6K	−4.8%
Q3 2025	$125K	+$16K	+14.7%
Q2 2025	$109K	+$3K	+2.8%
Q1 2025	$106K	−$8K	−7.0%
Q4 2024	$114K	−$3K	−2.6%
Q3 2024	$117K	−$4K	−3.3%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Community First Bank’s own schedules, with a source for each figure.

Account Maintenance

Lost Contact Monthly Fee$5
per month
Account Closure (within 90 days of account opening)$25
Account Balancing/Research/Investigation (per hour)$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Paid Item Fee$30
NSF Returned Item Fee$30
NSF Daily Cap (audience not stated, treated as personal)$180
per day · Maximum daily NSF Returned Item Fees
Overdraft Daily Cap (audience not stated, treated as personal)$180
per day · Maximum daily Overdraft Paid Item Fees

ATM & Card

Replacement Card Fee$10

Wire Transfers

Wire Transaction Fees: Domestic - Outgoing$30
Wire Transaction Fees: Domestic - Incoming$20
Wire Transaction Fees: International - Outgoing$65
International - Incoming$40

Check Services

Stop Payment Bankers’ Bank Draft$35
Stop Payment per Item$30
per item
Temporary Checks (per page)$5
Not compared: Charged per page; comparison unavailable
per page
Check Cashing (check drawn on CFB) (audience not stated, treated as personal)1%($5 minimum)
Foreign Item Handling Fee$20
Check Images Request (12 images per page, front only)$2
Not compared: Charged per page; comparison unavailable
per page · Check Images Request (12 images per page, front only) $2.00/page

Digital & Electronic

Checking Plus Sweep Fee$8
per item

Cash & Deposit

Coin Counting (audience not stated, treated as personal)10%($1 minimum)

Account Services

Safe Deposit Box Late Fee$5
Not compared: Box drilling or key fee
Levy/Garnishment/Court Order$75

Gift & Prepaid Cards

Visa Gift Card$5
per item

Other Fees

Photocopy (per page)$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Lost Contact Monthly Fee	$5	per month	None
Account Closure (within 90 days of account opening)	$25	Not stated	None
Account Balancing/Research/Investigation (per hour)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Paid Item Fee	$30	Not stated	None
NSF Returned Item Fee	$30	Not stated	None
NSF Daily Cap (audience not stated, treated as personal)	$180	per day	Maximum daily NSF Returned Item Fees
Overdraft Daily Cap (audience not stated, treated as personal)	$180	per day	Maximum daily Overdraft Paid Item Fees
ATM & Card
Replacement Card Fee	$10	Not stated	None
Wire Transfers
Wire Transaction Fees: Domestic - Outgoing	$30	Not stated	None
Wire Transaction Fees: Domestic - Incoming	$20	Not stated	None
Wire Transaction Fees: International - Outgoing	$65	Not stated	None
International - Incoming	$40	Not stated	None
Check Services
Stop Payment Bankers’ Bank Draft	$35	Not stated	None
Stop Payment per Item	$30	per item	None
Temporary Checks (per page)	$5Not compared: Charged per page; comparison unavailable	per page	None
Check Cashing (check drawn on CFB) (audience not stated, treated as personal)	1%($5 minimum)	Not stated	None
Foreign Item Handling Fee	$20	Not stated	None
Check Images Request (12 images per page, front only)	$2Not compared: Charged per page; comparison unavailable	per page	Check Images Request (12 images per page, front only) $2.00/page
Digital & Electronic
Checking Plus Sweep Fee	$8	per item	None
Cash & Deposit
Coin Counting (audience not stated, treated as personal)	10%($1 minimum)	Not stated	None
Account Services
Safe Deposit Box Late Fee	$5Not compared: Box drilling or key fee	Not stated	None
Levy/Garnishment/Court Order	$75	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$5	per item	None
Other Fees
Photocopy (per page)	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Lost Contact Monthly Fee$5
per month
Account Closure (within 90 days of account opening)$25
Account Balancing/Research/Investigation (per hour)$35
Not compared: Charged per hour; comparison unavailable
per hour
Business Paper Statement Fee$6
Paper Statement$6
per month

Overdraft & NSF

Overdraft Paid Item Fee$30
NSF Returned Item Fee$30
Continuous Overdraft Fee (business)$7
per day

ATM & Card

Replacement Card Fee$10

Wire Transfers

Wire Transaction Fees: Domestic - Outgoing$30
Wire Transaction Fees: Domestic - Incoming$20
Wire Transaction Fees: International - Outgoing$65
International - Incoming$40

Check Services

Stop Payment Bankers’ Bank Draft$35
Stop Payment per Item$30
per item
Temporary Checks (per page)$5
Not compared: Charged per page; comparison unavailable
per page
Foreign Item Handling Fee$20
Check Images Request (12 images per page, front only)$2
Not compared: Charged per page; comparison unavailable
per page · Check Images Request (12 images per page, front only) $2.00/page

Digital & Electronic

Checking Plus Sweep Fee$8
per item

Cash & Deposit

Deposit Item Returned (business)$10

Account Services

Safe Deposit Box Late Fee$5
Not compared: Box drilling or key fee
Levy/Garnishment/Court Order$75

Gift & Prepaid Cards

Visa Gift Card$5
per item

Other Fees

Photocopy (per page)$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Lost Contact Monthly Fee	$5	per month	None
Account Closure (within 90 days of account opening)	$25	Not stated	None
Account Balancing/Research/Investigation (per hour)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Business Paper Statement Fee	$6	Not stated	None
Paper Statement	$6	per month	None
Overdraft & NSF
Overdraft Paid Item Fee	$30	Not stated	None
NSF Returned Item Fee	$30	Not stated	None
Continuous Overdraft Fee (business)	$7	per day	None
ATM & Card
Replacement Card Fee	$10	Not stated	None
Wire Transfers
Wire Transaction Fees: Domestic - Outgoing	$30	Not stated	None
Wire Transaction Fees: Domestic - Incoming	$20	Not stated	None
Wire Transaction Fees: International - Outgoing	$65	Not stated	None
International - Incoming	$40	Not stated	None
Check Services
Stop Payment Bankers’ Bank Draft	$35	Not stated	None
Stop Payment per Item	$30	per item	None
Temporary Checks (per page)	$5Not compared: Charged per page; comparison unavailable	per page	None
Foreign Item Handling Fee	$20	Not stated	None
Check Images Request (12 images per page, front only)	$2Not compared: Charged per page; comparison unavailable	per page	Check Images Request (12 images per page, front only) $2.00/page
Digital & Electronic
Checking Plus Sweep Fee	$8	per item	None
Cash & Deposit
Deposit Item Returned (business)	$10	Not stated	None
Account Services
Safe Deposit Box Late Fee	$5Not compared: Box drilling or key fee	Not stated	None
Levy/Garnishment/Court Order	$75	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$5	per item	None
Other Fees
Photocopy (per page)	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

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.

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