Compared with Iowa
6 of 18
compared fees are above the median.
10 below, 2 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
82nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Iowa median
of 18 compared; 10 below, 2 about the same
See the feesFee schedule read Oct 18, 2026
Call-report figures are for Earlham Savings 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. | Earlham Savings 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
Service charges were 4.2% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (82nd 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 $164K in Q2 2026, 2.5% above the same quarter a year earlier ($160K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 18 compared published fees sit above the Iowa median; 10 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.
Overdraft (OD)
Monthly Maintenance
Compared at $5, the middle of its prices
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 fell 4.1% from Q3 2025 to Q2 2026, to $164K. Its share of revenue, 4.2%, is above the 2.1% median for banks with $300M to $1B in assets.
$164K
Earlham Savings 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. *Monthly maintenance: Listed at $1 to $25; we compare the midpoint.
Earlham Savings Bank · $383M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Earlham Savings Bank(this institution) | West Des Moines, IA | $383M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 5Star Bank | Colorado Springs, CO | $378M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| American Community Bank of Indiana | Saint John, IN | $383M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BankGloucester | Gloucester, MA | $387M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Central Bank | Tampa, FL | $387M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| ESB Financial | Emporia, KS | $381M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 National Bank of Clarksdale | Clarksdale, MS | $386M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First State Bank | Lynnville, IA | $384M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Georgia Community Bank | Albany, GA | $375M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Great Plains State Bank | Petersburg, NE | $392M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants & Planters' Bank | Newport, AR | $379M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Municipal Trust and Savings Bank | Bourbonnais, IL | $382M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Valley Bank & Trust | Springfield, MA | $385M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pinnacle Bank | Jasper, AL | $385M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| RockPointBank, National Association | Chattanooga, TN | $384M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sandhills State Bank | North Platte, NE | $383M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Fahey Banking Company | Marion, OH | $385M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Farmers Bank of Appomattox | Appomattox, VA | $375M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 Fisher National Bank | Fisher, IL | $376M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Harbor Bank of Maryland | Baltimore, MD | $383M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| THE HOME LOAN SAVINGS BANK | Coshocton, OH | $387M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| United Roosevelt Savings Bank | Carteret, NJ | $381M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Universal Bank | West Covina, CA | $388M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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
Compared at $5, the middle of its seven prices, against a peer median of $6.95 among 15 publishing peers.
Its seven checking prices are $1, $2, $5, $5, $10, $15 and $25.
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
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.
Call reports for Earlham Savings 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 | $164K | +$8K | +5.1% |
| Q1 2026 | $156K | −$9K | −5.5% |
| Q4 2025 | $165K | −$6K | −3.5% |
| Q3 2025 | $171K | +$11K | +6.9% |
| Q2 2025 | $160K | $0 | 0.0% |
| Q1 2025 | $160K | −$8K | −4.8% |
| Q4 2024 | $168K | −$2K | −1.2% |
| Q3 2024 | $170K | +$9K | +5.6% |
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, Earlham Savings Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Earlham Savings Bank by share.
Amounts from Earlham Savings Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month · AVOID THE MONTHLY MAINTENANCE FEE BY account: EVANTAGE Maintenance Fee: $10.00** per
per month
per month
per month
per month
per item
per item
per day
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Fees: AVOID THE MONTHLY MAINTENANCE FEE | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Fees: AVOID THE MONTHLY MAINTENANCE FEE BY account: EVANTAGE Maintenance Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | AVOID THE MONTHLY MAINTENANCE FEE BY account: EVANTAGE Maintenance Fee: $10.00** per |
| Checking Maintenance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Evantage Maintenance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance Fee | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Regular Maintenance fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Savings account research / balancing assistance | $25Inside the U.S. middle 50% ($6.25 to $25 nationally) | Not stated | None |
| Excessive Debit Fee | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft Fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Fee daily maximum | $75Below the U.S. middle 50% ($100 to $162.50 nationally) | Not stated | None |
ATM & Card | |||
| ATM/Debit card replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| EVERYDAY. At age 13 the: Wire Transfer - Outgoing wires through CXI | $40Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer - Outgoing Domestic | $10Not compared: Daily charge, not per item | per day | None |
| Wire - Incoming Domestic - Emergencies only | $40Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer - Incoming through Federal Reserve | $40Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer - Incoming using EBANK instructions | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer - Incoming wires through CXI | $40Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer - Outgoing Foreign | $30Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's check | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payments (check or ACH) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Foreign Check Processing | $5Below the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Digital & Electronic | |||
| AGE 12 & UNDER SAVINGS: ACH Origination Setup | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Cash & Deposit | |||
| Coin Machine | 10%($2 minimum) | Not stated | None |
| Returned Deposited Item Fee | $5Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box drilling fee | $30Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box duplicate key | $20Not compared: Box drilling or key fee | Not stated | None |
| Garnishments | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levies | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card (prepaid VISA) | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Paper copy of electronic disclosures | $5Not compared: Charged per document; comparison unavailable | per document | Paper copy of electronic disclosures: $5.00 per document |
| Photocopies | $0.50Not compared: Charged per page; comparison unavailable | per page | None |
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.
Where Earlham Savings Bank operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state, $343.9M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 9 | $343.9M |
Des Moines-West Des Moines, IA
0.9% of bank deposits, #20 of 57, down 0.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Principal Bank | 24.4% |
| Bankers Trust Company | 14.5% |
| Wells Fargo Bank, National Association | 9.3% |
| U.S. Bank National Association | 8% |
| Bank of America, National Association | 7.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Des Moines-West Des Moines, IA, Earlham Savings Bank holds 0.9% of bank deposits, #20 of 57, with 9 offices.
285 offices of 83 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.
9 of 57 institutions shown. $38.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.9% share, 9 offices, #20 of 57
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
67 offices of 26 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
We check once a day and send one email covering every change.