17 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 Midwest Heritage Bank, FSB 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. | Midwest Heritage Bank, FSB'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 $265K in Q2 2026, 22% above the same quarter a year earlier ($217K).
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.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 16% from Q3 2025 to Q2 2026, to $265K.
$265K
Midwest Heritage Bank, FSBMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Midwest Heritage Bank, FSB · $768M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Midwest Heritage Bank, FSB(this institution) | West Des Moines, IA | $768M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| BAC Community Bank | Stockton, CA | $762M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Prairie du Sac | Prairie du Sac, WI | $745M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| CFSBANK | Charleroi, PA | $773M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| City State Bank | Norwalk, IA | $788M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Clinton Savings Bank | Clinton, MA | $745M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Commerce Bank | Laredo, TX | $762M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Community Bank | Chatsworth, GA | $755M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Savings Bank of Hegewisch | Chicago, IL | $787M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| FNB Bank, Inc. | Mayfield, KY | $770M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Franklin Savings Bank | Farmington, ME | $787M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Harford Bank | Aberdeen, MD | $777M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Home State Bank, National Association | Crystal Lake, IL | $776M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Industrial Bank | Washington, DC | $774M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Itasca Bank & Trust Co. | Itasca, IL | $771M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| MidSouth Bank | Dothan, AL | $771M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Millennium Bank | Ooltewah, TN | $781M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mission Valley Bank | Sun Valley, CA | $782M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| People's Bank of Commerce | Medford, OR | $777M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Quontic Bank | Astoria, NY | $787M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sauk Valley Bank & Trust Company | Sterling, IL | $791M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Savers Co-operative Bank | Southbridge, MA | $783M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Bank of Canton | Canton, MA | $783M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Peoples Bank, Biloxi, Mississippi | Biloxi, MS | $771M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Valley Bank | Cavalier, ND | $752M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| West Plains Bank and Trust Company | West Plains, MO | $768M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8.95 among 17 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 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Midwest Heritage Bank, FSB 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 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Midwest Heritage Bank, FSB (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $265K | +$27K | +11.3% |
| Q1 2026 | $238K | −$19K | −7.4% |
| Q4 2025 | $257K | +$29K | +12.7% |
| Q3 2025 | $228K | +$11K | +5.1% |
| Q2 2025 | $217K | $0 | 0.0% |
| Q1 2025 | $217K | +$1K | +0.5% |
| Q4 2024 | $216K | +$2K | +0.9% |
| Q3 2024 | $214K | +$6K | +2.9% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Midwest Heritage Bank, FSB’s own schedules, with a source for each figure.
per month
per month
per hour
per month · Per envelope per month
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closing (account closed within 90 days of opening) | $25 | Not stated | None |
| Dormant Checking Account – 6 months no activity (“DORMANT FEE”) | $5 | per month | None |
| Dormant Savings or Money Market Account – 12 months no activity (“DORMANT FEE”) | $5 | per month | None |
| Account Research and Balancing | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Undeliverable Mail | $7.50 | per month | Per envelope per month |
| Undeliverable Mail (“UNDELIVERABLE MAIL”) | $7.50 | per month | None |
Overdraft & NSF | |||
| Overdraft Item Paid (“OD ITEM PAID FEE”) | $27 | per item | None |
| Nonsufficient Funds Item Returned (“NSF ITEM RETURN FEE”) | $27 | per item | None |
| Overdraft Transfer (Automatic Transfer from Savings) | No charge | Not stated | None |
ATM & Card | |||
| Debit Card Replacement | $15 | per item | None |
| Debit Card or PIN Rush-Order | $50 | per item | None |
Wire Transfers | |||
| Outgoing Domestic (to another U.S. financial institution; “OUTGOING WIRE”) | $25 | per item | None |
| Wire Transfer – Incoming Domestic (from another U.S. financial institution; “INCOMING WIRE”) | $20 | per item | None |
Check Services | |||
| Cashier’s Check (Customers Only) | $8 | per item | None |
| Stop Payment (“STOP PAYMENT FEE”) | $30 | Not stated | None |
| Collection Item (Incoming or Outgoing) | $25 | per item | None |
| Check Image Copy | $5 | per item | None |
Digital & Electronic | |||
| Consumer Bill Payment | No charge | Not stated | None |
Cash & Deposit | |||
| Coin Counting for Customer (audience not stated, treated as personal) | 10% | Not stated | None |
| Returned Deposited Item Chargeback (“DEP ITEM RETURNED”) | $10 | per item | None |
Account Services | |||
| Garnishment/Tax Levy/Legal Order (“LEGAL ORDER”) | $100 | 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
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 Midwest Heritage Bank, FSB operates, and what regulators and customers have on file.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and 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.