Iowa State Bank

Headquarters: Des Moines, Iowa
Charter: Bank
Assets: $480.5M
Fed district: Chicago
Regulator: FDIC
Holding company: Iowa State Bank Holding Co

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

Source: its fee schedule, read Oct 9, 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 Oct 9, 2026

How these figures are measured

Call-report figures are for Iowa State 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.	Iowa State Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 9, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Iowa State 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 $68K in Q2 2026, 8.1% below the same quarter a year earlier ($74K).
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
Basic Checking $5 · Premier Checking $10
Compared at $7.50, the middle of its prices
Iowa State Bank: $5 to $10
Iowa State Bank: $5 to $10
U.S. median: no median
Overdraft (OD)
Iowa State Bank: $30
Iowa State Bank: $30
U.S. median: no median
NSF / Returned Item
Iowa State Bank: $30
Iowa State Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

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.

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).
Iowa: Banks and credit unions headquartered in Iowa 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 14% from Q3 2025 to Q2 2026, to $68K.

Service-charge income, Q2 2026

$68K

$79KQ3 2025

$75KQ4 2025

$70KQ1 2026

$68KQ2 2026

Against the median

Iowa State 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

Iowa State Bank · $481M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$463M to $498M in assets
Headquartered in 15 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
Iowa State Bank(this institution)	Des Moines, IA	$481M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Arundel Federal Savings Bank	Glen Burnie, MD	$492M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Century Bank and Trust	Milledgeville, GA	$491M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank & Trust Company	Plaquemine, LA	$481M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens National Bank of Cheboygan	Cheboygan, MI	$471M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dean Co-operative Bank	Franklin, MA	$494M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Eclipse Bank, Inc.	Louisville, KY	$486M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
EvaBank	Eva, AL	$491M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank in New Bremen	New Bremen, OH	$467M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FirstBank of Nebraska	Wahoo, NE	$498M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
FNB Community Bank	Midwest City, OK	$480M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
FSNB, National Association	Lawton, OK	$478M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Fulton Savings Bank	Fulton, NY	$492M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hoyne Savings Bank	Chicago, IL	$480M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Local Bank	Hulbert, OK	$463M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mechanics & Farmers Bank	Durham, NC	$476M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Northview Bank	Sandstone, MN	$470M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ohio State Bank	Bexley, OH	$484M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pbt Bancorp	Hazard, KY	$473M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
River City Bank, Inc.	Louisville, KY	$495M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Seamen's Bank	Provincetown, MA	$478M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southwest Capital Bank	Albuquerque, NM	$483M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sterling Federal Bank, F.S.B.	Sterling, IL	$482M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank, National Association	McAlester, OK	$488M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Citizens Bank of Clovis	Clovis, NM	$493M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wallkill Valley Federal Savings and Loan Association	Wallkill, NY	$485M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $0.50 (7.1%) above the median of similar-sized banks.

Compared at $7.50, the middle of its two prices, against a peer median of $7 among 16 publishing peers.

Its two checking prices are $5 and $10.

$7.50 is a comparison price, not a fee anyone is charged.

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 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

Iowa State Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 26, 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 Iowa State 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: $68K
vs prior quarter: −$2K−2.9%; from Q1 2026
vs a year earlier: −$6K−8.1%; from Q2 2025
vs start of range: −$9K−11.7%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Iowa State 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	$68K	−$2K	−2.9%
Q1 2026	$70K	−$5K	−6.7%
Q4 2025	$75K	−$4K	−5.1%
Q3 2025	$79K	+$5K	+6.8%
Q2 2025	$74K	+$2K	+2.8%
Q1 2025	$72K	−$3K	−4.0%
Q4 2024	$75K	−$2K	−2.6%
Q3 2024	$77K	+$4K	+5.5%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Iowa State Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$10
Monthly Maintenance$5
Account Closed Within 90 Days of Opening$25
Dormant Account Fee$10
per month
Account Balancing Assistance$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Service charge for each debit over withdrawal limit$10
per item
Service charge for each debit over withdrawal limit$2
per item

Overdraft & NSF

Overdraft Fee$30
per item
Non-Sufficient Funds (NSF) Fee (Returned Item Fee)$30
per item
Overdraft Protection Auto Transfer Non-Sufficient Funds$3
per item

ATM & Card

Debit Card Replacement$10
per item

Wire Transfers

Wire Transfer Fees: Domestic – Outgoing$25
Wire Transfer Fees: Domestic – Incoming$15
Wire Transfer Fees: International - Outgoing$50
International -Incoming$25

Check Services

Cashier's Check$5
per item
Stop Payment$30
Counter Checks$0.50
per item
Foreign Item Fee$25
per item
Copy of a Check Image$3
per item

Cash & Deposit

Night Deposit Bag Replacement Key$15
per item

Account Services

Notary Services, Non-customer$10
Safe Deposit Box$300
Safe Deposit Box 10" x 10" x 22"$90
Safe Deposit Box 10" x 21" x 22"$150
Safe Deposit Box 16" x 21" x 22"$200
Safe Deposit Box 2" x 4" x 22"$15
per year
Safe Deposit Box 3" x 10" x 22"$40
Safe Deposit Box 3" x 4" x 22"$20
Safe Deposit Box 4" x 10" x 22"$50
Safe Deposit Box 4" x 4.5" x 22"$25
Safe Deposit Box 5" x 10" x 22"$60
Safe Deposit Box 5" x 10" x 22"$60
per year
Safe Deposit Box 5" x 5" x 22"$35
Safe Deposit Box 8" x 10" x 22"$75
Safe Deposit Box Late Payment$10
Not compared: Box drilling or key fee
Safe Deposit Box Lost Key$50
Not compared: Box drilling or key fee
per item
Garnishment Fee$100
per item
Levy Fee$100
per item

Gift & Prepaid Cards

Gift Card-Purchase Fee$3
Reload Fee$4

Other Fees

Additional Monthly Statement$5
per item
Additional Statement & Check Imaging Fee$7

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$10	Not stated	None
Monthly Maintenance	$5	Not stated	None
Account Closed Within 90 Days of Opening	$25	Not stated	None
Dormant Account Fee	$10	per month	None
Account Balancing Assistance	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Service charge for each debit over withdrawal limit	$10	per item	None
Service charge for each debit over withdrawal limit	$2	per item	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
Non-Sufficient Funds (NSF) Fee (Returned Item Fee)	$30	per item	None
Overdraft Protection Auto Transfer Non-Sufficient Funds	$3	per item	None
ATM & Card
Debit Card Replacement	$10	per item	None
Wire Transfers
Wire Transfer Fees: Domestic – Outgoing	$25	Not stated	None
Wire Transfer Fees: Domestic – Incoming	$15	Not stated	None
Wire Transfer Fees: International - Outgoing	$50	Not stated	None
International -Incoming	$25	Not stated	None
Check Services
Cashier's Check	$5	per item	None
Stop Payment	$30	Not stated	None
Counter Checks	$0.50	per item	None
Foreign Item Fee	$25	per item	None
Copy of a Check Image	$3	per item	None
Cash & Deposit
Night Deposit Bag Replacement Key	$15	per item	None
Account Services
Notary Services, Non-customer	$10	Not stated	None
Safe Deposit Box	$300	Not stated	None
Safe Deposit Box 10" x 10" x 22"	$90	Not stated	None
Safe Deposit Box 10" x 21" x 22"	$150	Not stated	None
Safe Deposit Box 16" x 21" x 22"	$200	Not stated	None
Safe Deposit Box 2" x 4" x 22"	$15	per year	None
Safe Deposit Box 3" x 10" x 22"	$40	Not stated	None
Safe Deposit Box 3" x 4" x 22"	$20	Not stated	None
Safe Deposit Box 4" x 10" x 22"	$50	Not stated	None
Safe Deposit Box 4" x 4.5" x 22"	$25	Not stated	None
Safe Deposit Box 5" x 10" x 22"	$60	Not stated	None
Safe Deposit Box 5" x 10" x 22"	$60	per year	None
Safe Deposit Box 5" x 5" x 22"	$35	Not stated	None
Safe Deposit Box 8" x 10" x 22"	$75	Not stated	None
Safe Deposit Box Late Payment	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lost Key	$50Not compared: Box drilling or key fee	per item	None
Garnishment Fee	$100	per item	None
Levy Fee	$100	per item	None
Gift & Prepaid Cards
Gift Card-Purchase Fee	$3	Not stated	None
Reload Fee	$4	Not stated	None
Other Fees
Additional Monthly Statement	$5	per item	None
Additional Statement & Check Imaging Fee	$7	Not stated	None

Correct a fee source

Oct 9, 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 Iowa State Bank operates, and what regulators and customers have on file.

Market position

In Des Moines-West Des Moines, IA, Iowa State Bank holds 1% of bank deposits, #18 of 57, with 5 offices.

Compare fees with the 49 Des Moines-West Des Moines, IA banks and credit unions in its home-metro peer set →

Offices in the metro

285 offices of 83 institutions shown.

Iowa State BankOther 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: Des Moines-West Des Moines, IA metro (FDIC metro code 19780), 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: 3 offices have no coordinates on file

Share of bank deposits

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

1Principal Bank24.4%
2Bankers Trust Company14.5%
3Wells Fargo Bank, National Association9.3%
4U.S. Bank National Association8.0%
5Bank of America, National Association7.5%
6West Bank6.5%
7Community State Bank3.3%
8First Interstate Bank1.9%
18Iowa State Bank1.0%

9 of 57 institutions shown. $38.0B 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: Des Moines-West Des Moines, IA metro (FDIC metro code 19780)
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% share, 5 offices, #18 of 57

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: Des Moines-West Des Moines, IA 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

67 offices of 26 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 Iowa State Bank's foreign transaction changes in our data

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