Spring Bank

Headquarters: Brookfield, Wisconsin
Charter: Bank
Assets: $440.7M
Fed district: Chicago
Regulator: FDIC

1 published fee; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 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 11, 2026

How these figures are measured

Call-report figures are for Spring 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.	Spring Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Spring 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 $27K in Q2 2026, 18% below the same quarter a year earlier ($33K).
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
Spring Bank: $2
Spring Bank: $2
U.S. median: no median
Non-Network ATM
Spring Bank: Not identified
Spring Bank: Not identified
U.S. median: no median
NSF / Returned Item
Spring Bank: Not identified
Spring Bank: Not identified
U.S. median: no median

Fee not identified in the reviewed schedule. A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, 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).
Wisconsin: Banks and credit unions headquartered in Wisconsin 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 was about level from Q3 2025 to Q2 2026, at $27K.

Service-charge income, Q2 2026

$27K

$27KQ3 2025

$44KQ4 2025

$26KQ1 2026

$27KQ2 2026

Against the median

Spring 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

Spring Bank · $441M 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.

Banks only
$429M to $454M in assets
Headquartered in 19 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
Spring Bank(this institution)	Brookfield, WI	$441M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
American National Bank - Fox Cities	Appleton, WI	$433M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bank of the Lowcountry	Walterboro, SC	$430M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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 and Trust Company	Perry, OK	$429M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	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
Foresight Bank	Plainview, MN	$434M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Home Bank SB	Martinsville, IN	$433M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
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
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
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 Citizens State Bank	Moundridge, KS	$451M	Monthly maintenance not published	Out-of-network ATM not published	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 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
Town & Country Bank and Trust Company	Bardstown, KY	$434M	Monthly maintenance not published	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 · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $4 (67%) below the median of similar-sized banks.

Its published price is $2, against a peer median of $6 among 9 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

Spring BankPeer (equal prices stack)Peer medianInclude $15 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 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 Spring 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: $27K
vs prior quarter: +$1K+3.8%; from Q1 2026
vs a year earlier: −$6K−18.2%; from Q2 2025
vs start of range: −$10K−27.0%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Spring 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	$27K	+$1K	+3.8%
Q1 2026	$26K	−$18K	−40.9%
Q4 2025	$44K	+$17K	+63.0%
Q3 2025	$27K	−$6K	−18.2%
Q2 2025	$33K	$0	0.0%
Q1 2025	$33K	−$1K	−2.9%
Q4 2024	$34K	−$3K	−8.1%
Q3 2024	$37K	+$4K	+12.1%

Service-charge share against its size cohort

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

Published fee schedule

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

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$2	per month	None
Cash & Deposit
Coin Counting	2%	Not stated	None

Account Maintenance

Account Closed Within 3 Months of Opening$25
Dormant Fee (Account not used for 12 months) (Per month)$5
per month
Account Reconciliation Fee (Per hour, ½ hour minimum)$40
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee$50
Not compared: Charged per hour; comparison unavailable
per hour
~ Undeliverable E-Statement Fee (Per statement)$5

Overdraft & NSF

NSF (Non-Sufficient) / Overdraft Paid Item Fee (Per item)$35
per item
Return ACH Fee$15
Returned Item Fee – NSF (Non-Sufficient Funds) (Per item)$35
per item

ATM & Card

Replacement Card (Plus expedited delivery costs if applicable)$15
Foreign Transaction Fee (Plus VISA ISA Fee (Currency Conversion Fee))$3

Wire Transfers

Wire Fee Outbound (Domestic.)$25
Wire Fee Incoming (Domestic.)$15
Wire Fee Outbound (International.)$50
Wire Fee Incoming (International.)$30

Check Services

Bank Approved Official Check – Non Customer$10
Stop Payment Fee (Per item)$35
per item
Check Cashing – Non Customer (Per item)$10
per item
Foreign Check Processing (Plus costs) (Per item)$25
per item
Copies of Items$5
per item

Digital & Electronic

ACH Origination Initial Set Up$25
Same Day ACH Origination: Per File$15
per item

Account Services

Tax levy or Garnishment Processing Fee (Per account, per occurrence)$75
per item

Gift & Prepaid Cards

Gift Card$3

Other Fees

Additional or Duplicate Statement (Per month)$5
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Account Closed Within 3 Months of Opening	$25	Not stated	None
Dormant Fee (Account not used for 12 months) (Per month)	$5	per month	None
Account Reconciliation Fee (Per hour, ½ hour minimum)	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee	$50Not compared: Charged per hour; comparison unavailable	per hour	None
~ Undeliverable E-Statement Fee (Per statement)	$5	Not stated	None
Overdraft & NSF
NSF (Non-Sufficient) / Overdraft Paid Item Fee (Per item)	$35	per item	None
Return ACH Fee	$15	Not stated	None
Returned Item Fee – NSF (Non-Sufficient Funds) (Per item)	$35	per item	None
ATM & Card
Replacement Card (Plus expedited delivery costs if applicable)	$15	Not stated	None
Foreign Transaction Fee (Plus VISA ISA Fee (Currency Conversion Fee))	$3	Not stated	None
Wire Transfers
Wire Fee Outbound (Domestic.)	$25	Not stated	None
Wire Fee Incoming (Domestic.)	$15	Not stated	None
Wire Fee Outbound (International.)	$50	Not stated	None
Wire Fee Incoming (International.)	$30	Not stated	None
Check Services
Bank Approved Official Check – Non Customer	$10	Not stated	None
Stop Payment Fee (Per item)	$35	per item	None
Check Cashing – Non Customer (Per item)	$10	per item	None
Foreign Check Processing (Plus costs) (Per item)	$25	per item	None
Copies of Items	$5	per item	None
Digital & Electronic
ACH Origination Initial Set Up	$25	Not stated	None
Same Day ACH Origination: Per File	$15	per item	None
Account Services
Tax levy or Garnishment Processing Fee (Per account, per occurrence)	$75	per item	None
Gift & Prepaid Cards
Gift Card	$3	Not stated	None
Other Fees
Additional or Duplicate Statement (Per month)	$5Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Oct 11, 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 Spring Bank operates, and what regulators and customers have on file.

Market position

In Milwaukee-Waukesha, WI, Spring Bank holds 0.4% of bank deposits, #24 of 43, with 1 office.

Compare fees with the 54 Milwaukee-Waukesha, WI banks and credit unions in its home-metro peer set →

Offices in the metro

545 offices of 87 institutions shown.

Spring 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: Milwaukee-Waukesha, WI metro (FDIC metro code 33340), 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: 18 offices have no coordinates on file

Share of bank deposits

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

1U.S. Bank National Association34.3%
2BMO Bank National Association12.8%
3JPMorgan Chase Bank, National Association11.4%
4Associated Bank, National Association10.6%
5Town Bank, National Association3.5%
6Bank Five Nine2.6%
7PNC Bank, National Association2.3%
8Wells Fargo Bank, National Association2.0%
24Spring Bank0.4%

9 of 43 institutions shown. $79.9B 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: Milwaukee-Waukesha, WI metro (FDIC metro code 33340)
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: 0.4% share, 1 office, #24 of 43

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: Milwaukee-Waukesha, WI 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

146 offices of 48 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.

Fee change alerts

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