Compared with Iowa
8 of 15
compared fees are above the median.
2 below, 5 about the same.
About the same: within 1% of the median.
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
83rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Iowa median
of 15 compared; 2 below, 5 about the same
See the feesFee schedule read Oct 8, 2026
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 | 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) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Iowa median | Published fees above the Iowa 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
Service charges were 4.3% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (83rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
8 of 15 compared published fees sit above the Iowa median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Iowa medians for fees published by banks and credit unions.
Monthly Maintenance
Cornerstone Checking
Can be waived with a minimum balance of $750 or more.
Overdraft (OD)
NSF / Returned Item
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 151% from Q3 2025 to Q2 2026, to $153K. Its share of revenue, 4.3%, is above the 2.1% median for banks with $300M to $1B in assets.
$153K
Central State BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Central State Bank (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 | $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% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Central State Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Central State Bank by share.
Amounts from Central State Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Low monthly fee | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| If account is dormant (no activity for over 1 year) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Item Charges: Per Item Charge | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds Charges: Per Item Returned | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Insufficient Funds Transfer (Sweep): Per Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Card (Replacement Fee) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Fee | $40Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Fee | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Fee | $75Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Per Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| To Renew Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | 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 | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levy Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Price Per Card, Per Reload | $7Above the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
| Price Per Gift Card | $7Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| VISA Access Card Reload (audience not stated, treated as personal) | $7Above the U.S. middle 50% ($3 to $4.95 nationally) | 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
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.
Where Central State Bank operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state, $344.4M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $154.4M |
| 2 | $131.8M | |
| 2 | $58.2M |
Iowa City, IA
2.2% of bank deposits, #7 of 20, down 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Hills Bank and Trust Company | 46.8% |
| Nicolet National Bank | 15.3% |
| Washington State Bank | 6.8% |
| U.S. Bank National Association | 6.7% |
| West Bank | 6.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Iowa City, IA, Central State Bank holds 2.2% of bank deposits, #7 of 20, with 2 offices.
The fee comparison uses its home metro, Cedar Rapids, IA.
59 offices of 25 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.
8 of 20 institutions shown. $5.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2011 to 2026
June 2026: 2.2% share, 2 offices, #7 of 20
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2011 to 2026.
Credit unions, reported separately
11 offices of 6 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
We check once a day and send one email covering every change.