Citizens Bank Minnesota

Headquarters: New Ulm, Minnesota
Charter: Bank
Assets: $596.0M
Fed district: Minneapolis
Regulator: FDIC
Holding company: Citizens Bancorp of New Ulm Inc.

20 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 Citizens Bank Minnesota 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.	Citizens Bank Minnesota'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: Citizens Bank Minnesota (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 $84K in Q2 2026, 1.2% above the same quarter a year earlier ($83K).
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.

Overdraft (OD)
Citizens Bank Minnesota: $30
Citizens Bank Minnesota: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Citizens Bank Minnesota: $25
Citizens Bank Minnesota: $25
U.S. median: no median
Stop Payment
Citizens Bank Minnesota: $40
Citizens Bank Minnesota: $40
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 Minnesota, 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).
Minnesota: Banks and credit unions headquartered in Minnesota 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 3.4% from Q3 2025 to Q2 2026, to $84K.

Service-charge income, Q2 2026

$84K

$87KQ3 2025

$81KQ4 2025

$78KQ1 2026

$84KQ2 2026

Against the median

Citizens Bank MinnesotaMedian

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

Citizens Bank Minnesota · $596M 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.

Banks only
$580M to $611M in assets
Headquartered in 16 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
Citizens Bank Minnesota(this institution)	New Ulm, MN	$596M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
All America Bank	Oklahoma City, OK	$611M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Holly Springs	Holly Springs, MS	$588M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cattlemens Bank	Altus, OK	$595M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cottonport Bank	Cottonport, LA	$582M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Crest Savings Bank	Wildwood, NJ	$594M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cross Bank	Wynne, AR	$593M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
First National Bank & Trust Company of McAlester	McAlester, OK	$580M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First United Bank and Trust Company	Madisonville, KY	$591M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FNBC Bank & Trust	La Grange, IL	$582M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Frontier State Bank	Oklahoma City, OK	$609M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gulf Capital Bank	Houston, TX	$596M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hatboro Federal Savings, FA	Hatboro, PA	$598M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lee Bank	Lee, MA	$591M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lumbee Guaranty Bank	Pembroke, NC	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Palmetto State Bank	Hampton, SC	$597M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Peoples Exchange Bank	Winchester, KY	$610M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Peoples National Bank of Kewanee	Kewanee, IL	$588M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pineland Bank	Alma, GA	$597M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PremierBank	Fort Atkinson, WI	$584M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
PyraMax Bank, FSB	Greenfield, WI	$589M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Regional Missouri Bank	Marceline, MO	$597M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Citizens Bank of Georgia	Cumming, GA	$599M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Falls City National Bank	Falls City, TX	$597M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Washington Savings Bank	Effingham, IL	$585M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
WNB FINANCIAL, N.A.	Winona, MN	$584M	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 · 12 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Citizens Bank Minnesota does not publish a monthly maintenance fee in the index.

The peer median is $6.75 among 12 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 Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Citizens Bank Minnesota does not publish a monthly maintenance fee, so it is not on this chart.

Citizens Bank MinnesotaPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 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 Citizens Bank Minnesota (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: $84K
vs prior quarter: +$6K+7.7%; from Q1 2026
vs a year earlier: +$1K+1.2%; from Q2 2025
vs start of range: −$5K−5.6%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Citizens Bank Minnesota (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	$84K	+$6K	+7.7%
Q1 2026	$78K	−$3K	−3.7%
Q4 2025	$81K	−$6K	−6.9%
Q3 2025	$87K	+$4K	+4.8%
Q2 2025	$83K	+$5K	+6.4%
Q1 2025	$78K	−$11K	−12.4%
Q4 2024	$89K	$0	0.0%
Q3 2024	$89K	+$4K	+4.7%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Citizens Bank Minnesota’s own schedules, with a source for each figure.

Account Maintenance

Processing fee (average ledger balance for the statement cycle falls below $1,000.00)$10
per month
Processing fee (average ledger balance for the statement cycle falls below $5,000.00)$10
per month
Processing fee (below average ledger balance)$5
Account Closed within 90 days$15
Inactive and Dormant Account$5
Account Research/Reconcilement$30
Paper Statement Fee$2
per month
Printed monthly statement$5
per month

Overdraft & NSF

Overdraft Fee (per item)$30
per item
Daily Overdraft Fee$2
per day

ATM & Card

Debit Card Replacement Fee$10

Wire Transfers

Wire Transfer - Outgoing Domestic$25
Wire Transfer - Incoming$10
Wire Transfer - Outgoing International$90

Check Services

Official Check / Money Orders$5
Not compared: Monthly charge, not per item
per month
Stop Payment - Banker Assist$40
Stop Payment - Online Banking$40
Counter Checks (per page)$2
Not compared: Charged per page; comparison unavailable
per page
Check Cashing (non-customer)$10
Canadian Check Handling Fee$10
Foreign Check Handling Fee$55

Digital & Electronic

Same Day ACH Origination (available (per presentment)$30
per item
ACH Transfer Origination - return fee$30

Cash & Deposit

Cash Advance Fee (per advance)$5
Not compared: Daily charge, not per item
per day
Deposited Return Item$4

Account Services

Levies and Garnishments$50

Retirement & IRA

IRA Account Closure (audience not stated, treated as personal)$40
IRA Rollover or Transfer Fee$40

Other Fees

Photocopies (per copy)$1
per item
Statement Reproduction - digital$2
Statement Reproduction - paper$5

Fee	Amount	Basis	Note
Account Maintenance
Processing fee (average ledger balance for the statement cycle falls below $1,000.00)	$10	per month	None
Processing fee (average ledger balance for the statement cycle falls below $5,000.00)	$10	per month	None
Processing fee (below average ledger balance)	$5	Not stated	None
Account Closed within 90 days	$15	Not stated	None
Inactive and Dormant Account	$5	Not stated	None
Account Research/Reconcilement	$30	Not stated	None
Paper Statement Fee	$2	per month	None
Printed monthly statement	$5	per month	None
Overdraft & NSF
Overdraft Fee (per item)	$30	per item	None
Daily Overdraft Fee	$2	per day	None
ATM & Card
Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfer - Outgoing Domestic	$25	Not stated	None
Wire Transfer - Incoming	$10	Not stated	None
Wire Transfer - Outgoing International	$90	Not stated	None
Check Services
Official Check / Money Orders	$5Not compared: Monthly charge, not per item	per month	None
Stop Payment - Banker Assist	$40	Not stated	None
Stop Payment - Online Banking	$40	Not stated	None
Counter Checks (per page)	$2Not compared: Charged per page; comparison unavailable	per page	None
Check Cashing (non-customer)	$10	Not stated	None
Canadian Check Handling Fee	$10	Not stated	None
Foreign Check Handling Fee	$55	Not stated	None
Digital & Electronic
Same Day ACH Origination (available (per presentment)	$30	per item	None
ACH Transfer Origination - return fee	$30	Not stated	None
Cash & Deposit
Cash Advance Fee (per advance)	$5Not compared: Daily charge, not per item	per day	None
Deposited Return Item	$4	Not stated	None
Account Services
Levies and Garnishments	$50	Not stated	None
Retirement & IRA
IRA Account Closure (audience not stated, treated as personal)	$40	Not stated	None
IRA Rollover or Transfer Fee	$40	Not stated	None
Other Fees
Photocopies (per copy)	$1	per item	None
Statement Reproduction - digital	$2	Not stated	None
Statement Reproduction - paper	$5	Not stated	None

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

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.

Branches and public record

Where Citizens Bank Minnesota operates, and what regulators and customers have on file.

Market position

In Mankato, MN, Citizens Bank Minnesota holds 1.5% of bank deposits, #15 of 19, with 1 office.

Compare fees with the 13 Mankato, MN banks and credit unions in its home-metro peer set →

Offices in the metro

40 offices of 22 institutions shown.

Citizens Bank MinnesotaOther 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: Mankato, MN metro (FDIC metro code 31860), 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: 1 office has no coordinates on file

Share of bank deposits

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

1Wells Fargo Bank, National Association17.7%
2Community Bank Mankato13.6%
3Pioneer Bank11.9%
4U.S. Bank National Association7.9%
5First National Bank Minnesota6.3%
6Frandsen Bank & Trust6.1%
7ProGrowth Bank5.6%
8Minnstar Bank National Association5.2%
15Citizens Bank Minnesota1.5%

9 of 19 institutions shown. $3.5B 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: Mankato, MN metro (FDIC metro code 31860)
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: 1.5% share, 1 office, #15 of 19

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: Mankato, MN 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

7 offices of 3 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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