Oostburg State Bank

Headquarters: Oostburg, Wisconsin
Charter: Bank
Assets: $440.2M
Fed district: Chicago
Regulator: FDIC
Holding company: Oostburg Bancorp Inc.

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

Source: its fee schedule, read Nov 3, 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 Nov 3, 2026

How these figures are measured

Call-report figures are for Oostburg 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.	Oostburg State Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Oostburg 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 $63K in Q2 2026, 7.4% below the same quarter a year earlier ($68K).
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)
Oostburg State Bank: $35
Oostburg State Bank: $35
U.S. median: no median
NSF / Returned Item
Oostburg State Bank: $35
Oostburg State Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Oostburg State Bank: $20
Oostburg State Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 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 fell 16% from Q3 2025 to Q2 2026, to $63K.

Service-charge income, Q2 2026

$63K

$75KQ3 2025

$72KQ4 2025

$71KQ1 2026

$63KQ2 2026

Against the median

Oostburg 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

Oostburg State Bank · $440M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$427M to $454M in assets
Headquartered in 17 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
Oostburg State Bank(this institution)	Oostburg, WI	$440M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
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
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
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
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
North Valley Bank	Zanesville, OH	$427M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	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 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 · 11 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Oostburg 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

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

Oostburg State BankPeer (equal prices stack)Peer median

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 Oostburg 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: $63K
vs prior quarter: −$8K−11.3%; from Q1 2026
vs a year earlier: −$5K−7.4%; from Q2 2025
vs start of range: +$7K+12.5%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Oostburg 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	$63K	−$8K	−11.3%
Q1 2026	$71K	−$1K	−1.4%
Q4 2025	$72K	−$3K	−4.0%
Q3 2025	$75K	+$7K	+10.3%
Q2 2025	$68K	+$11K	+19.3%
Q1 2025	$57K	$0	0.0%
Q4 2024	$57K	+$1K	+1.8%
Q3 2024	$56K	−$6K	−9.7%

Service-charge share against its size cohort

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

Published fee schedule

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

Overdraft & NSF

Overdraft Fee ( 5 per day)$35
per item
NSF Fee (Returned Item) ( 5 per day)$35
per item
Maximum Daily Overdraft & Return Item or NSF Fees$175
per day

ATM & Card

ATM/Debit Card replacement fee$10

Wire Transfers

Wire transfers – Domestic outgoing$20
Wire transfers – Domestic incoming$20
Wire transfers – International outgoing$40
Wire transfers – International incoming$20

Check Services

Cashier’s Checks and Money Orders$5
Online Stop Payments (Checks Only)$20
Stop Payments (all items)$30
Check Cashing – CustomerNo charge
Check Cashing – Non-Customer$10
Check Images Included with Statement$3
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Returned Deposit Item Fee$5
per item

Account Services

10” x 10″$60
per year
Safe Deposit Box 10” x 10″ (audience not stated, treated as personal)$60
per year
Safe Deposit Boxes: 3″ x 5″ (audience not stated, treated as personal)$15
per year
Garnishment, Levy, Attachments$75

Other Fees

Fax Received$1
Not compared: Charged per page; comparison unavailable
per page
Fax Transmittal$1
per item

Fee	Amount	Basis	Note
Overdraft & NSF
Overdraft Fee ( 5 per day)	$35	per item	None
NSF Fee (Returned Item) ( 5 per day)	$35	per item	None
Maximum Daily Overdraft & Return Item or NSF Fees	$175	per day	None
ATM & Card
ATM/Debit Card replacement fee	$10	Not stated	None
Wire Transfers
Wire transfers – Domestic outgoing	$20	Not stated	None
Wire transfers – Domestic incoming	$20	Not stated	None
Wire transfers – International outgoing	$40	Not stated	None
Wire transfers – International incoming	$20	Not stated	None
Check Services
Cashier’s Checks and Money Orders	$5	Not stated	None
Online Stop Payments (Checks Only)	$20	Not stated	None
Stop Payments (all items)	$30	Not stated	None
Check Cashing – Customer	No charge	Not stated	None
Check Cashing – Non-Customer	$10	Not stated	None
Check Images Included with Statement	$3Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Returned Deposit Item Fee	$5	per item	None
Account Services
10” x 10″	$60	per year	None
Safe Deposit Box 10” x 10″ (audience not stated, treated as personal)	$60	per year	None
Safe Deposit Boxes: 3″ x 5″ (audience not stated, treated as personal)	$15	per year	None
Garnishment, Levy, Attachments	$75	Not stated	None
Other Fees
Fax Received	$1Not compared: Charged per page; comparison unavailable	per page	None
Fax Transmittal	$1	per item	None

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

Nov 3, 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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