Central State Bank

Headquarters: Coralville, Iowa
Charter: Bank
Assets: $419.3M
Fed district: Chicago
Regulator: Federal Reserve
Holding company: Ajj Bancorp Inc.

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

Source: its fee schedule, read Oct 8, 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 8, 2026

How these figures are measured

Call-report figures are for Central 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	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.	Central State Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 8, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Central State Bank (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 $153K in Q2 2026, 128% above the same quarter a year earlier ($67K).
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
Cornerstone Checking
Can be waived with a minimum balance of $750 or more.
Central State Bank: $7.50
Central State Bank: $7.50
U.S. median: no median
Overdraft (OD)
Central State Bank: $32
Central State Bank: $32
U.S. median: no median
NSF / Returned Item
Central State Bank: $32
Central State Bank: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 8, 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 rose 151% from Q3 2025 to Q2 2026, to $153K.

Service-charge income, Q2 2026

$153K

$61KQ3 2025

$64KQ4 2025

$61KQ1 2026

$153KQ2 2026

Against the median

Central State BankMedian

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

Central State Bank · $419M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$413M to $428M in assets
Headquartered in 18 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
Central State Bank(this institution)	Coralville, IA	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Community Bank	Petersburg, IL	$414M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Frankewing	Frankewing, TN	$413M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bank of Zachary	Zachary, LA	$416M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Cattle Bank and Trust	Seward, NE	$422M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Centinel Bank of Taos	Taos, NM	$425M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Coffee County Bank	Manchester, TN	$428M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Devon Bank	Chicago, IL	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers and Merchants Bank of South Carolina	Holly Hill, SC	$414M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers State Bank of Calhan	Calhan, CO	$416M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Farmers Trust and Savings Bank	Buffalo Center, IA	$423M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Lockhart Bank	Lockhart, TX	$416M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First National Bank in DeRidder	DeRidder, LA	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank	Buxton, ND	$424M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Vision Bank of Tennessee	Tullahoma, TN	$414M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fleetwood Bank	Fleetwood, PA	$416M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Heritage Bank & Trust	Columbia, TN	$418M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Heritage Bank of the Ozarks	Lebanon, MO	$424M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Kentland Bank	Kentland, IN	$419M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MA Bank	Macon, MO	$417M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Valley Bank	Zanesville, OH	$427M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
River City Bank	Rome, GA	$423M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sentry Bank	Saint Joseph, MN	$415M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
State Bank & Trust	Winfield, AL	$413M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sugar River Bank	Newport, NH	$424M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Winnsboro State Bank & Trust Company	Winnsboro, LA	$426M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ 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

Monthly maintenance is $1.50 (25%) above the median of similar-sized banks.

Its published price is $7.50, against a peer median of $6 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 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

Central State BankPeer (equal prices stack)Peer median

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 Central 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: $153K
vs prior quarter: +$92K+150.8%; from Q1 2026
vs a year earlier: +$86K+128.4%; from Q2 2025
vs start of range: +$75K+96.2%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Central State Bank (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	$153K	+$92K	+150.8%
Q1 2026	$61K	−$3K	−4.7%
Q4 2025	$64K	+$3K	+4.9%
Q3 2025	$61K	−$6K	−9.0%
Q2 2025	$67K	+$1K	+1.5%
Q1 2025	$66K	−$5K	−7.0%
Q4 2024	$71K	−$7K	−9.0%
Q3 2024	$78K	+$2K	+2.6%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Low monthly fee$7.50
per month
If account is dormant (no activity for over 1 year)$5
per month
Paper Statement Fee$3

Overdraft & NSF

Overdraft Item Charges: Per Item Charge$32
per item
Insufficient Funds Charges: Per Item Returned$32
per item
Insufficient Funds Transfer (Sweep): Per Transfer$5
per item

ATM & Card

ATM Card (Replacement Fee)$15

Wire Transfers

Outgoing Wire Fee$40
Incoming Wire Fee$20
International Wire Fee$75

Check Services

Per Stop Payment$30
per item
To Renew Stop Payment$10
per item

Digital & Electronic

Bill PayNo charge

Account Services

NotaryNo charge
Drilling Fee$200
Not compared: Box drilling or key fee
Replacement Key Fee$20
Not compared: Box drilling or key fee
Garnishment Fee$50
Levy Fee$50

Gift & Prepaid Cards

Price Per Card, Per Reload$7
per item
Price Per Gift Card$7
VISA Access Card Reload (audience not stated, treated as personal)$7
per item · Per reload

Fee	Amount	Basis	Note
Account Maintenance
Low monthly fee	$7.50	per month	None
If account is dormant (no activity for over 1 year)	$5	per month	None
Paper Statement Fee	$3	Not stated	None
Overdraft & NSF
Overdraft Item Charges: Per Item Charge	$32	per item	None
Insufficient Funds Charges: Per Item Returned	$32	per item	None
Insufficient Funds Transfer (Sweep): Per Transfer	$5	per item	None
ATM & Card
ATM Card (Replacement Fee)	$15	Not stated	None
Wire Transfers
Outgoing Wire Fee	$40	Not stated	None
Incoming Wire Fee	$20	Not stated	None
International Wire Fee	$75	Not stated	None
Check Services
Per Stop Payment	$30	per item	None
To Renew Stop Payment	$10	per item	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Account Services
Notary	No charge	Not stated	None
Drilling Fee	$200Not compared: Box drilling or key fee	Not stated	None
Replacement Key Fee	$20Not compared: Box drilling or key fee	Not stated	None
Garnishment Fee	$50	Not stated	None
Levy Fee	$50	Not stated	None
Gift & Prepaid Cards
Price Per Card, Per Reload	$7	per item	None
Price Per Gift Card	$7	Not stated	None
VISA Access Card Reload (audience not stated, treated as personal)	$7	per item	Per reload

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 8, 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 Central State Bank operates, and what regulators and customers have on file.

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 Central State Bank's early account closure changes in our data

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