Earlham Savings Bank

Headquarters: West Des Moines, Iowa
Charter: Bank
Assets: $382.5M
Fed district: Chicago
Regulator: FDIC

18 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
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 18, 2026

How these figures are measured

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) 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.	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

Details

Source: FFIEC call report (bulk data)
Entity: Earlham Savings 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 $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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $5, the middle of its prices
Earlham Savings Bank: $1 to $25
Earlham Savings Bank: $1 to $25
U.S. median: no median
Overdraft (OD)
Earlham Savings Bank: $25
Earlham Savings Bank: $25
U.S. median: no median
NSF / Returned Item
Earlham Savings Bank: $25
Earlham Savings Bank: $25
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 4.1% from Q3 2025 to Q2 2026, to $164K.

Service-charge income, Q2 2026

$164K

$171KQ3 2025

$165KQ4 2025

$156KQ1 2026

$164KQ2 2026

Against the median

Earlham Savings 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

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.

Banks only
$375M to $392M in assets
Headquartered in 20 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
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.95 (28%) below the median of similar-sized banks.

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

Earlham Savings Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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 Earlham Savings 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: $164K
vs prior quarter: +$8K+5.1%; from Q1 2026
vs a year earlier: +$4K+2.5%; from Q2 2025
vs start of range: −$6K−3.5%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Earlham Savings 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	$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%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account Fees: AVOID THE MONTHLY MAINTENANCE FEE$25
per month
Account Fees: AVOID THE MONTHLY MAINTENANCE FEE BY account: EVANTAGE Maintenance Fee$10
per month · AVOID THE MONTHLY MAINTENANCE FEE BY account: EVANTAGE Maintenance Fee: $10.00** per
Checking Maintenance Fee$5
per month
Evantage Maintenance Fee$5
per month
Maintenance fee$15
per month
Maintenance Fee$1
per month
Regular Maintenance fee$2
Dormant Account Fee$5
per item
Savings account research / balancing assistance$25
Excessive Debit Fee$5
per item

Overdraft & NSF

Overdraft Fee$25
per item
Returned Item$25
per item
Overdraft Fee daily maximum$75

ATM & Card

ATM/Debit card replacement$10

Wire Transfers

EVERYDAY. At age 13 the: Wire Transfer - Outgoing wires through CXI$40
Wire Transfer - Outgoing Domestic$10
Not compared: Daily charge, not per item
per day
Wire - Incoming Domestic - Emergencies only$40
Wire Transfer - Incoming through Federal Reserve$40
Wire Transfer - Incoming using EBANK instructionsNo charge
Wire Transfer - Incoming wires through CXI$40
Wire Transfer - Outgoing Foreign$30

Check Services

Cashier's check$10
Cashier's Check$5
Stop Payments (check or ACH)$20
per item
Foreign Check Processing$5
per item

Digital & Electronic

AGE 12 & UNDER SAVINGS: ACH Origination Setup$15
per item

Cash & Deposit

Coin Machine10%($2 minimum)
Returned Deposited Item Fee$5
per item

Account Services

Safe Deposit Box drilling fee$30
Not compared: Box drilling or key fee
Safe Deposit Box duplicate key$20
Not compared: Box drilling or key fee
Garnishments$50
Levies$50

Gift & Prepaid Cards

Gift Card (prepaid VISA)$3

Other Fees

Paper copy of electronic disclosures$5
Not compared: Charged per document; comparison unavailable
per document · Paper copy of electronic disclosures: $5.00 per document
Photocopies$0.50
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Account Fees: AVOID THE MONTHLY MAINTENANCE FEE	$25	per month	None
Account Fees: AVOID THE MONTHLY MAINTENANCE FEE BY account: EVANTAGE Maintenance Fee	$10	per month	AVOID THE MONTHLY MAINTENANCE FEE BY account: EVANTAGE Maintenance Fee: $10.00** per
Checking Maintenance Fee	$5	per month	None
Evantage Maintenance Fee	$5	per month	None
Maintenance fee	$15	per month	None
Maintenance Fee	$1	per month	None
Regular Maintenance fee	$2	Not stated	None
Dormant Account Fee	$5	per item	None
Savings account research / balancing assistance	$25	Not stated	None
Excessive Debit Fee	$5	per item	None
Overdraft & NSF
Overdraft Fee	$25	per item	None
Returned Item	$25	per item	None
Overdraft Fee daily maximum	$75	Not stated	None
ATM & Card
ATM/Debit card replacement	$10	Not stated	None
Wire Transfers
EVERYDAY. At age 13 the: Wire Transfer - Outgoing wires through CXI	$40	Not stated	None
Wire Transfer - Outgoing Domestic	$10Not compared: Daily charge, not per item	per day	None
Wire - Incoming Domestic - Emergencies only	$40	Not stated	None
Wire Transfer - Incoming through Federal Reserve	$40	Not stated	None
Wire Transfer - Incoming using EBANK instructions	No charge	Not stated	None
Wire Transfer - Incoming wires through CXI	$40	Not stated	None
Wire Transfer - Outgoing Foreign	$30	Not stated	None
Check Services
Cashier's check	$10	Not stated	None
Cashier's Check	$5	Not stated	None
Stop Payments (check or ACH)	$20	per item	None
Foreign Check Processing	$5	per item	None
Digital & Electronic
AGE 12 & UNDER SAVINGS: ACH Origination Setup	$15	per item	None
Cash & Deposit
Coin Machine	10%($2 minimum)	Not stated	None
Returned Deposited Item Fee	$5	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	$50	Not stated	None
Levies	$50	Not stated	None
Gift & Prepaid Cards
Gift Card (prepaid VISA)	$3	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

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

Get an email when Earlham Savings Bank's foreign transaction changes in our data

We check once a day and send one email covering every change.