The Citizens State Bank

Headquarters: Moundridge, Kansas
Charter: Bank
Assets: $450.6M
Fed district: Kansas City
Regulator: FDIC
Holding company: Goering Management Co Llc

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

Source: its fee schedule, read Oct 23, 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 23, 2026

How these figures are measured

Call-report figures are for The Citizens 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.	The Citizens State Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 23, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: The Citizens 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 $60K in Q2 2026, 13% above the same quarter a year earlier ($53K).
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)
The Citizens State Bank: $30
The Citizens State Bank: $30
U.S. median: no median
NSF / Returned Item
The Citizens State Bank: $30
The Citizens State Bank: $30
U.S. median: no median
Wire Transfer (Domestic Out)
The Citizens State Bank: $20
The Citizens State Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City 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).
Kansas: Banks and credit unions headquartered in Kansas that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 1.7% from Q3 2025 to Q2 2026, to $60K.

Service-charge income, Q2 2026

$60K

$59KQ3 2025

$58KQ4 2025

$54KQ1 2026

$60KQ2 2026

Against the median

The Citizens 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

The Citizens State Bank · $451M 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
$436M to $463M 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
The Citizens State Bank(this institution)	Moundridge, KS	$451M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Bank	Francesville, IN	$455M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Better Banks	Peoria, IL	$446M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Citizens State Bank	Lena, IL	$453M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Exchange Bank of Missouri	Fayette, MO	$454M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Frontier Bank	Lamar, CO	$436M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Hometown Bank of Pennsylvania	Bedford, PA	$454M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Honor Bank	Honor, MI	$443M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
JONES BANK	Seward, NE	$441M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	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
Meade County Bank	Brandenburg, KY	$458M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Morgantown Bank & Trust Company, Incorporated	Morgantown, KY	$440M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
NobleBank & Trust	Anniston, AL	$444M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Brookfield Savings Bank	North Brookfield, MA	$449M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Oostburg State Bank	Oostburg, WI	$440M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific Alliance Bank	San Gabriel, CA	$454M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Patriot Bank	Millington, TN	$451M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
RiverHills Bank	Vicksburg, MS	$445M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Spring Bank	Brookfield, WI	$441M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Bank of Clovis	Clovis, NM	$438M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Bippus State Bank	Huntington, IN	$459M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Denison State Bank	Holton, KS	$454M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Hometown Savings Bank	Terre Haute, IN	$456M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The National Grand Bank of Marblehead	Marblehead, MA	$445M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The St. Henry Bank	St. Henry, OH	$436M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Welch State Bank of Welch, Okla.	Welch, OK	$450M	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 · 11 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

The Citizens State Bank does not publish a monthly maintenance fee in the index.

The peer median is $6 among 11 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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

The Citizens State Bank does not publish a monthly maintenance fee, so it is not on this chart.

The Citizens State BankPeer (equal prices stack)Peer medianInclude $27.50 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 Nov 2, 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 The Citizens 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: $60K
vs prior quarter: +$6K+11.1%; from Q1 2026
vs a year earlier: +$7K+13.2%; from Q2 2025
vs start of range: −$4K−6.3%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: The Citizens 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	$60K	+$6K	+11.1%
Q1 2026	$54K	−$4K	−6.9%
Q4 2025	$58K	−$1K	−1.7%
Q3 2025	$59K	+$6K	+11.3%
Q2 2025	$53K	−$9K	−14.5%
Q1 2025	$62K	+$6K	+10.7%
Q4 2024	$56K	−$8K	−12.5%
Q3 2024	$64K	+$19K	+42.2%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Dormant Account$10
Inactive Account Fee$5
Account Research Per Hour$40
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal Fee$1
per item

Overdraft & NSF

Overdraft Fee NSF$30
Returned Item Fee$30

ATM & Card

Replacement ATM/Debit Card$5
Replacement Card Fee$5
per item
Currency conversion1%of the transaction
ISA/Cross Border Transactions Fee (International Debit Card Fee)1.95%of the transaction

Wire Transfers

Wire Transfer Outgoing Domestic$20
Wire Transfer Incoming Domestic$10
Wire Transfer Outgoing International$55
Wire Transfer Incoming International$15

Check Services

Cashier's Check$5
Money Order$5
Internet Banking Stop Payment (Checks Only)$25
Stop Payment Fee$30
Collection Items$15

Cash & Deposit

Deposited Item Return Fee$5

Account Services

Safe Deposit Box - Drill Fee$200
Not compared: Box drilling or key fee
Safe Deposit Box - Replacement Key Fee$25
Not compared: Box drilling or key fee
Levy/ Garnishment$30

Gift & Prepaid Cards

Gift Card (Non-Reloadable) - Purchase Fee$6
Travel Card - Reload Fee$4

Other Fees

Fax Incoming Per Page$1
per item
Fax Outgoing$5
Statement Copy - Per Page (Printed)$5
per item
Statement Copy - Per Statement (Secure emailed)$2

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$10	Not stated	None
Inactive Account Fee	$5	Not stated	None
Account Research Per Hour	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawal Fee	$1	per item	None
Overdraft & NSF
Overdraft Fee NSF	$30	Not stated	None
Returned Item Fee	$30	Not stated	None
ATM & Card
Replacement ATM/Debit Card	$5	Not stated	None
Replacement Card Fee	$5	per item	None
Currency conversion	1%of the transaction	Not stated	None
ISA/Cross Border Transactions Fee (International Debit Card Fee)	1.95%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Outgoing Domestic	$20	Not stated	None
Wire Transfer Incoming Domestic	$10	Not stated	None
Wire Transfer Outgoing International	$55	Not stated	None
Wire Transfer Incoming International	$15	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Money Order	$5	Not stated	None
Internet Banking Stop Payment (Checks Only)	$25	Not stated	None
Stop Payment Fee	$30	Not stated	None
Collection Items	$15	Not stated	None
Cash & Deposit
Deposited Item Return Fee	$5	Not stated	None
Account Services
Safe Deposit Box - Drill Fee	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box - Replacement Key Fee	$25Not compared: Box drilling or key fee	Not stated	None
Levy/ Garnishment	$30	Not stated	None
Gift & Prepaid Cards
Gift Card (Non-Reloadable) - Purchase Fee	$6	Not stated	None
Travel Card - Reload Fee	$4	Not stated	None
Other Fees
Fax Incoming Per Page	$1	per item	None
Fax Outgoing	$5	Not stated	None
Statement Copy - Per Page (Printed)	$5	per item	None
Statement Copy - Per Statement (Secure emailed)	$2	Not stated	None

Correct a fee source

Oct 23, 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.

Fee change alerts

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