The Clinton National Bank

Headquarters: Clinton, Iowa
Charter: Bank
Assets: $396.4M
Fed district: Chicago
Regulator: OCC
Holding company: W J Young&co

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

Source: its fee schedule, read Oct 18, 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 18, 2026

How these figures are measured

Call-report figures are for The Clinton National 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 Clinton National Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 18, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: The Clinton National 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 $79K in Q2 2026, 6.0% below the same quarter a year earlier ($84K).
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 Clinton National Bank: $30
The Clinton National Bank: $30
U.S. median: no median
NSF / Returned Item
The Clinton National Bank: $30
The Clinton National Bank: $30
U.S. median: no median
Foreign Transaction
The Clinton National Bank: $10
The Clinton National Bank: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 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 10% from Q3 2025 to Q2 2026, to $79K.

Service-charge income, Q2 2026

$79K

$88KQ3 2025

$81KQ4 2025

$77KQ1 2026

$79KQ2 2026

Against the median

The Clinton National 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 Clinton National Bank · $396M 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
$389M to $404M 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
The Clinton National Bank(this institution)	Clinton, IA	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ascendia Bank	Glen Rock, NJ	$395M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Balboa Thrift and Loan Association	Chula Vista, CA	$394M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of St. Francisville	Saint Francisville, LA	$399M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Big Horn Federal Savings Bank	Greybull, WY	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Bank of Santa Maria	Santa Maria, CA	$397M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Farmers State Bank	Center, TX	$391M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Iowa State Bank	Albia, IA	$396M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Secure Bank and Trust Co.	Palos Hills, IL	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Bank	Irvington, KY	$402M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
FORTE BANK	Hartford, WI	$404M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grant County State Bank	Swayzee, IN	$396M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Great Plains State Bank	Petersburg, NE	$392M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
GreenWay Bank	Van Wert, OH	$402M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Locality Bank	Fort Lauderdale, FL	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Peoples State Bank of Hallettsville	Hallettsville, TX	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Peoples Trust Company of St. Albans	Saint Albans, VT	$395M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Pony Express Bank	Braymer, MO	$399M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Bank of Glen Burnie	Glen Burnie, MD	$395M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Citizens National Bank of Park Rapids	Park Rapids, MN	$397M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Community State Bank	Poteau, OK	$393M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First Citizens National Bank of Upper Sandusky	Upper Sandusky, OH	$390M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Peoples Community Bank	Mazomanie, WI	$389M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Security National Bank of Enid	Enid, OK	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Shelby State Bank	Shelby, MI	$397M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
TrustTexas Bank, SSB	Cuero, TX	$393M	Monthly maintenance not published	Out-of-network ATM not published	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

The Clinton National Bank does not publish a monthly maintenance fee in the index.

The peer median is $5.75 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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

The Clinton National BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 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 Clinton National 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: $79K
vs prior quarter: +$2K+2.6%; from Q1 2026
vs a year earlier: −$5K−6.0%; from Q2 2025
vs start of range: −$4K−4.8%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: The Clinton National 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	$79K	+$2K	+2.6%
Q1 2026	$77K	−$4K	−4.9%
Q4 2025	$81K	−$7K	−8.0%
Q3 2025	$88K	+$4K	+4.8%
Q2 2025	$84K	+$3K	+3.7%
Q1 2025	$81K	+$6K	+8.0%
Q4 2024	$75K	−$8K	−9.6%
Q3 2024	$83K	+$4K	+5.1%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Early Close Fee if account is closed within 3 months of opening$25
Dormant Fee if Thumbuddy account is inactive for 12 months$1.50
per month
Escheatment Fee$50
Undeliverable Statement returned by mail service$5
Not compared: Charged per statement; comparison unavailable
per statement · Undeliverable Statement returned by mail service $ 5.00 per statement

Overdraft & NSF

Overdraft Fee$30
per item
Non-Sufficient Funds (NSF Rtn Item Fee)$30
per item
Automatic Transfer Overdraft Protection$3
per item
Non-Sufficient Funds (NSF Rtn Item Fee) daily maximum$150
per day

ATM & Card

Card Replacement for ATM or Debit Card$10
per item
Foreign Currency Conversion to US Dollars$10

Wire Transfers

Wire Transfers: Outgoing Wire Transfers - domestic$20
per item
Incoming Wires for customers$7.50
Outgoing Wire Transfers - international$40
per item

Check Services

Cashier’s Checks / Drafts$5
per item
Money Orders (free for Prime Time Accounts)$3
Stop Pay Charge$30
Counter Check Fee$0.10
per item
Check Cashing (non-customer)$4
Collection Items (outgoing)$25
NSF Collection Fee (presented for payment by non-customer)$20
per item

Digital & Electronic

ACH Origination (performed by CNB Staff)$10
per transaction
ACH Origination (using Shazam)$7.50
per transaction
ACH Deposited Item Returned$5
per item

Cash & Deposit

Coin Counting (non-customer)5%($1 minimum)
Night Depository$20
Not compared: Annual charge, not per item
per year

Account Services

Notary (non-customer)$7
per item
Box Drill Fee$25
Not compared: Box drilling or key fee
Garnishment / Tax Levy$75

Retirement & IRA

IRA Direct Transfer Fee (outgoing)$25

Gift & Prepaid Cards

Gift Card$3

Other Fees

Fax Charge$3
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$2

Fee	Amount	Basis	Note
Account Maintenance
Early Close Fee if account is closed within 3 months of opening	$25	Not stated	None
Dormant Fee if Thumbuddy account is inactive for 12 months	$1.50	per month	None
Escheatment Fee	$50	Not stated	None
Undeliverable Statement returned by mail service	$5Not compared: Charged per statement; comparison unavailable	per statement	Undeliverable Statement returned by mail service $ 5.00 per statement
Overdraft & NSF
Overdraft Fee	$30	per item	None
Non-Sufficient Funds (NSF Rtn Item Fee)	$30	per item	None
Automatic Transfer Overdraft Protection	$3	per item	None
Non-Sufficient Funds (NSF Rtn Item Fee) daily maximum	$150	per day	None
ATM & Card
Card Replacement for ATM or Debit Card	$10	per item	None
Foreign Currency Conversion to US Dollars	$10	Not stated	None
Wire Transfers
Wire Transfers: Outgoing Wire Transfers - domestic	$20	per item	None
Incoming Wires for customers	$7.50	Not stated	None
Outgoing Wire Transfers - international	$40	per item	None
Check Services
Cashier’s Checks / Drafts	$5	per item	None
Money Orders (free for Prime Time Accounts)	$3	Not stated	None
Stop Pay Charge	$30	Not stated	None
Counter Check Fee	$0.10	per item	None
Check Cashing (non-customer)	$4	Not stated	None
Collection Items (outgoing)	$25	Not stated	None
NSF Collection Fee (presented for payment by non-customer)	$20	per item	None
Digital & Electronic
ACH Origination (performed by CNB Staff)	$10	per transaction	None
ACH Origination (using Shazam)	$7.50	per transaction	None
ACH Deposited Item Returned	$5	per item	None
Cash & Deposit
Coin Counting (non-customer)	5%($1 minimum)	Not stated	None
Night Depository	$20Not compared: Annual charge, not per item	per year	None
Account Services
Notary (non-customer)	$7	per item	None
Box Drill Fee	$25Not compared: Box drilling or key fee	Not stated	None
Garnishment / Tax Levy	$75	Not stated	None
Retirement & IRA
IRA Direct Transfer Fee (outgoing)	$25	Not stated	None
Gift & Prepaid Cards
Gift Card	$3	Not stated	None
Other Fees
Fax Charge	$3Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$2	Not stated	None

Fee	Amount	Basis	Note
Account Maintenance
Maintenance Fee	$8.50	per month	None

Correct a fee source

Oct 18, 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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