Lake Elmo Bank

Headquarters: Lake Elmo, Minnesota
Charter: Bank
Assets: $529.7M
Fed district: Minneapolis
Regulator: FDIC
Holding company: Lake Elmo Bancshares Inc.

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

Source: its fee schedule, read Nov 1, 2026.

Overview

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 Nov 1, 2026

How these figures are measured

Call-report figures are for Lake Elmo 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) 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.	Lake Elmo Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Lake Elmo Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $94K in Q2 2026, 5.6% above the same quarter a year earlier ($89K).
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)
Lake Elmo Bank: $35
Lake Elmo Bank: $35
U.S. median: no median
NSF / Returned Item
Lake Elmo Bank: $35
Lake Elmo Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $20, the middle of its prices
Lake Elmo Bank: $15 to $25
Lake Elmo Bank: $15 to $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 2.1% from Q3 2025 to Q2 2026, to $94K.

Service-charge income, Q2 2026

$94K

$96KQ3 2025

$97KQ4 2025

$77KQ1 2026

$94KQ2 2026

Against the median

Lake Elmo BankMedian

Sources and open questions

FFIEC 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

Lake Elmo Bank · $530M 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.

Banks only
$512M to $548M in assets
Headquartered in 17 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
Lake Elmo Bank(this institution)	Lake Elmo, MN	$530M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Dudley	Dudley, GA	$538M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of the Flint Hills	Wamego, KS	$545M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Belgrade State Bank	Belgrade, MO	$548M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Citizens Community Bank	Mascoutah, IL	$531M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank Mankato	Vernon Center, MN	$538M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Coulee Bank	La Crosse, WI	$524M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cross County Savings Bank	Middle Village, NY	$525M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Enterprise Bank	Allison Park, PA	$525M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Enterprise Bank of South Carolina	Ehrhardt, SC	$535M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fidelity Bank	West Memphis, AR	$547M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Fifth District Savings Bank	New Orleans, LA	$532M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Citizens State Bank	Whitewater, WI	$525M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Montana Bank, Inc.	Missoula, MT	$530M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Nations Bank	Chicago, IL	$537M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Robinson Savings Bank, National Association	Robinson, IL	$512M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First State Bank	Wrens, GA	$513M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First State Bank and Trust	Tonganoxie, KS	$515M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Milford Federal Bank	Milford, MA	$545M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Shoreham Bank	Warwick, RI	$535M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Southern Bank of Tennessee	Mount Juliet, TN	$533M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
State Bank Financial	La Crosse, WI	$512M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Berkshire Bank	New York, NY	$530M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Callaway Bank	Fulton, MO	$512M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Murray Bank	Murray, KY	$534M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Savings Bank	Circleville, OH	$520M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published

✓ 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.

Fee type

Peer pricing snapshot

Lake Elmo Bank does not publish a monthly maintenance fee in the index.

The peer median is $7.48 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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Lake Elmo BankPeer (equal prices stack)Peer medianInclude $35 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 Lake Elmo 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: $94K
vs prior quarter: +$17K+22.1%; from Q1 2026
vs a year earlier: +$5K+5.6%; from Q2 2025
vs start of range: −$2K−2.1%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Lake Elmo Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$94K	+$17K	+22.1%
Q1 2026	$77K	−$20K	−20.6%
Q4 2025	$97K	+$1K	+1.0%
Q3 2025	$96K	+$7K	+7.9%
Q2 2025	$89K	+$8K	+9.9%
Q1 2025	$81K	−$19K	−19.0%
Q4 2024	$100K	+$4K	+4.2%
Q3 2024	$96K	+$6K	+6.7%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Lake Elmo Bank’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closing$20
Dormant Accounts$10
per month
Research and Account Reconciliation$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Statement Fee$10

Overdraft & NSF

Overdraft Fee$35
per item
Non-Sufficient Funds Item$35
per item
Overdraft sweep/transfer$5
per item

ATM & Card

Debit Card Replacement Fee$8

Wire Transfers

Cash Management entered domestic wire$15
Wire Transfers Domestic (Customers Only)$25
per item
Wire Transfers Foreign (Customers Only)$50

Check Services

Cashiers Checks (Customers Only)$5
Recurring Electronic Stop Payment$10
per item
Stop Payment$35
Counter Check Fee$2
Collection Fee$30
per item
Copy of Check$3

Cash & Deposit

Coin Sorting10%($10 minimum)
Return Deposit Item$5
per item

Account Services

Notary (Non-Customer)$5
10 x10“$125
per year
3 x10“$55
per year
3 x5“ “$35
per year
5 x10“$75
per year
5 x5“ “$45
per year
Safe Deposit Box Late Payment Fee$15
Not compared: Box drilling or key fee
Safe Deposit Box Lost Key$25
Not compared: Box drilling or key fee
Garnishment/Levy Fee$100

Retirement & IRA

IRA Transfer to another institution$50

Gift & Prepaid Cards

Visa Gift Cards$3.95

Other Fees

Photocopies$1
per item
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closing	$20	Not stated	None
Dormant Accounts	$10	per month	None
Research and Account Reconciliation	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Statement Fee	$10	Not stated	None
Overdraft & NSF
Overdraft Fee	$35	per item	None
Non-Sufficient Funds Item	$35	per item	None
Overdraft sweep/transfer	$5	per item	None
ATM & Card
Debit Card Replacement Fee	$8	Not stated	None
Wire Transfers
Cash Management entered domestic wire	$15	Not stated	None
Wire Transfers Domestic (Customers Only)	$25	per item	None
Wire Transfers Foreign (Customers Only)	$50	Not stated	None
Check Services
Cashiers Checks (Customers Only)	$5	Not stated	None
Recurring Electronic Stop Payment	$10	per item	None
Stop Payment	$35	Not stated	None
Counter Check Fee	$2	Not stated	None
Collection Fee	$30	per item	None
Copy of Check	$3	Not stated	None
Cash & Deposit
Coin Sorting	10%($10 minimum)	Not stated	None
Return Deposit Item	$5	per item	None
Account Services
Notary (Non-Customer)	$5	Not stated	None
10 x10“	$125	per year	None
3 x10“	$55	per year	None
3 x5“ “	$35	per year	None
5 x10“	$75	per year	None
5 x5“ “	$45	per year	None
Safe Deposit Box Late Payment Fee	$15Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy Fee	$100	Not stated	None
Retirement & IRA
IRA Transfer to another institution	$50	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	$3.95	Not stated	None
Other Fees
Photocopies	$1	per item	None
Statement Copy	$5	Not stated	None

Account Maintenance

Early Account Closing$20
Dormant Accounts$10
per month
Research and Account Reconciliation$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Statement Fee$10

Overdraft & NSF

Overdraft Fee$35
per item
Non-Sufficient Funds Item$35
per item
Overdraft sweep/transfer$5
per item

ATM & Card

Debit Card Replacement Fee$8

Wire Transfers

Cash Management entered domestic wire$15
Wire Transfers Domestic (Customers Only)$25
per item
Wire Transfers Foreign (Customers Only)$50

Check Services

Cashiers Checks (Customers Only)$5
Recurring Electronic Stop Payment$10
per item
Stop Payment$35
Counter Check Fee$2
Collection Fee$30
per item
Copy of Check$3

Cash & Deposit

Coin Sorting10%($10 minimum)
Return Deposit Item$5
per item
Return Deposit Item (Business)$5
per item

Account Services

Notary (Non-Customer)$5
10 x10“$125
per year
3 x10“$55
per year
3 x5“ “$35
per year
5 x10“$75
per year
5 x5“ “$45
per year
Safe Deposit Box Late Payment Fee$15
Not compared: Box drilling or key fee
Safe Deposit Box Lost Key$25
Not compared: Box drilling or key fee
Garnishment/Levy Fee$100

Retirement & IRA

IRA Transfer to another institution$50

Gift & Prepaid Cards

Visa Gift Cards$3.95

Other Fees

Photocopies$1
per item
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closing	$20	Not stated	None
Dormant Accounts	$10	per month	None
Research and Account Reconciliation	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Statement Fee	$10	Not stated	None
Overdraft & NSF
Overdraft Fee	$35	per item	None
Non-Sufficient Funds Item	$35	per item	None
Overdraft sweep/transfer	$5	per item	None
ATM & Card
Debit Card Replacement Fee	$8	Not stated	None
Wire Transfers
Cash Management entered domestic wire	$15	Not stated	None
Wire Transfers Domestic (Customers Only)	$25	per item	None
Wire Transfers Foreign (Customers Only)	$50	Not stated	None
Check Services
Cashiers Checks (Customers Only)	$5	Not stated	None
Recurring Electronic Stop Payment	$10	per item	None
Stop Payment	$35	Not stated	None
Counter Check Fee	$2	Not stated	None
Collection Fee	$30	per item	None
Copy of Check	$3	Not stated	None
Cash & Deposit
Coin Sorting	10%($10 minimum)	Not stated	None
Return Deposit Item	$5	per item	None
Return Deposit Item (Business)	$5	per item	None
Account Services
Notary (Non-Customer)	$5	Not stated	None
10 x10“	$125	per year	None
3 x10“	$55	per year	None
3 x5“ “	$35	per year	None
5 x10“	$75	per year	None
5 x5“ “	$45	per year	None
Safe Deposit Box Late Payment Fee	$15Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy Fee	$100	Not stated	None
Retirement & IRA
IRA Transfer to another institution	$50	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	$3.95	Not stated	None
Other Fees
Photocopies	$1	per item	None
Statement Copy	$5	Not stated	None

Correct a fee source

Nov 1, 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 Lake Elmo Bank operates, and what regulators and customers have on file.

Market position

In Minneapolis-St. Paul-Bloomington, MN-WI, Lake Elmo Bank holds 0.2% of bank deposits, #37 of 125, with 8 offices.

Compare fees with the 89 Minneapolis-St. Paul-Bloomington, MN-WI banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 143 institutions shown.

Lake Elmo BankOther banksCredit unions

Showing 900 of 947 offices: the largest institutions' offices, with banks and credit unions in proportion.

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: Minneapolis-St. Paul-Bloomington, MN-WI metro (FDIC metro code 33460), 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: 24 offices have no coordinates on file

Share of bank deposits

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

1U.S. Bank National Association40.8%
2Wells Fargo Bank, National Association20.3%
3Ameriprise Bank, FSB9.5%
4Old National Bank2.9%
5The Huntington National Bank2.6%
6Bell Bank1.9%
7BMO Bank National Association1.9%
8Bank of America, National Association1.7%
37Lake Elmo Bank0.2%

9 of 125 institutions shown. $253.2B 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: Minneapolis-St. Paul-Bloomington, MN-WI metro (FDIC metro code 33460)
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: 0.2% share, 8 offices, #37 of 125

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: Minneapolis-St. Paul-Bloomington, MN-WI 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

233 offices of 54 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

Get an email when Lake Elmo Bank's nsf / returned item changes in our data

We check once a day and send one email covering every change.