13 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 15, 2026.
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 15, 2026
Call-report figures are for WNB FINANCIAL, N.A. 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. | WNB FINANCIAL, N.A.'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
Service-charge income was $130K in Q2 2026, 5.8% below the same quarter a year earlier ($138K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
A blank median means fewer than 5 publish the fee.
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 fell 13% from Q3 2025 to Q2 2026, to $130K.
$130K
WNB FINANCIAL, N.A.Median
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
WNB FINANCIAL, N.A. · $584M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| WNB FINANCIAL, N.A.(this institution) | Winona, MN | $584M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| Bay State Savings Bank | Worcester, MA | $580M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cattlemens Bank | Altus, OK | $595M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank Minnesota | New Ulm, MN | $596M | Monthly maintenance not published | Out-of-network ATM not published | 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 Federal Savings and Loan Association of Lorain | Lorain, OH | $574M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| 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 |
| Hyperion Bank | Philadelphia, PA | $570M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 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 |
| SouthTrust Bank, N.A. | George West, TX | $579M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 |
| United Bank of Union | Union, MO | $578M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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 |
✓ 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.
Peer pricing snapshot
The peer median is $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 Nov 4, 2026.
Monthly maintenance fee in dollars, one mark per institution
WNB FINANCIAL, N.A. 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 Nov 4, 2026. Total assets from FDIC and NCUA records.
Call reports for WNB FINANCIAL, N.A. (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 | $130K | +$2K | +1.6% |
| Q1 2026 | $128K | −$5K | −3.8% |
| Q4 2025 | $133K | −$16K | −10.7% |
| Q3 2025 | $149K | +$11K | +8.0% |
| Q2 2025 | $138K | +$11K | +8.7% |
| Q1 2025 | $127K | −$14K | −9.9% |
| Q4 2024 | $141K | −$4K | −2.8% |
| Q3 2024 | $145K | +$8K | +5.8% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from WNB FINANCIAL, N.A.’s own schedules, with a source for each figure.
per month
per month
per hour
per day · Maximum daily overdraft fee limit including all combined Overdraft Fees per Presentment, Paid Item Fees, and Returned Item Fees
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Close Account Within 6 Months (Checking/Savings) | $25 | Not stated | None |
| Dormant Account Fee per Month for balances under | $5 | per month | None |
| Dormant Account Fee per Month for balances under after 24 months of inactivity | $5 | per month | None |
| Escheatment Fee | $15 | Not stated | None |
| Account Research/Reconciliation per hour ($25 minimum charge) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Daily Cap (audience not stated, treated as personal) | $248 | per day | Maximum daily overdraft fee limit including all combined Overdraft Fees per Presentment, Paid Item Fees, and Returned Item Fees |
ATM & Card | |||
| ATM/Debit Card Replacement | $5 | Not stated | None |
| Currency conversion (audience not stated, treated as personal) | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Wire Transfers (Outgoing Domestic) | $25 | Not stated | None |
| Wire Transfers (Incoming) | $10 | Not stated | None |
| Wire Transfers (Outgoing International) | $50 | Not stated | None |
Check Services | |||
| Stop Payment | $10 | Not stated | None |
| International Check in Collection | $10 | Not stated | None |
Digital & Electronic | |||
| ACH Origination Setup/Modification Fee | $10 | Not stated | None |
Cash & Deposit | |||
| Chargeback Fee per Presentment (deposited item returned) | $5 | per item | None |
| Returned Foreign Check Handling Fee (audience not stated, treated as personal) | $18 | Not stated | None |
Account Services | |||
| Levy, Garnishment, Legal Process | $100 | Not stated | None |
Other Fees | |||
| Duplicate Statement | $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
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.
Where WNB FINANCIAL, N.A. operates, and what regulators and customers have on file.
In Rochester, MN, WNB FINANCIAL, N.A. holds 2.1% of bank deposits, #15 of 34, with 2 offices.
96 offices of 41 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 34 institutions shown. $7.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2019 to 2026
June 2026: 2.1% share, 2 offices, #15 of 34
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2019 to 2026.
Credit unions, reported separately
21 offices of 7 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
We check once a day and send one email covering every change.