Compared with Colorado
11 of 18
compared fees are above the median.
2 below, 5 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
6th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Colorado median
of 18 compared; 2 below, 5 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for FlatIrons 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 Colorado median | Published fees above the Colorado median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | FlatIrons Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.5% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (6th 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 $24K in Q2 2026, 17% below the same quarter a year earlier ($29K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
11 of 18 compared published fees sit above the Colorado median; 2 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 Colorado medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 4.0% from Q3 2025 to Q2 2026, to $24K. Its share of revenue, 0.5%, is below the 2.1% median for banks with $300M to $1B in assets.
$24K
FlatIrons 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.
FlatIrons Bank · $370M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| FlatIrons Bank(this institution) | Boulder, CO | $370M | Monthly maintenance not published | 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 |
| AmeriFirst Bank | Montgomery, AL | $364M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Commercial Bank & Trust Company | Monticello, AR | $364M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Desjardins Bank, National Association | Hallandale, FL | $362M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Earlham Savings Bank | West Des Moines, IA | $383M | Publishes Monthly maintenance | 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 & Merchants Bank | Miamisburg, OH | $359M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank in Port Lavaca | Port Lavaca, TX | $361M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Nebraska Bank | Valley, NE | $371M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Shore Federal Savings and Loan Association | Salisbury, MD | $367M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| First State Bank | Stratford, TX | $372M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Georgia Community Bank | Albany, GA | $375M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Heritage Bank National Association | Spicer, MN | $361M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Logan Bank & Trust Company | Logan, WV | $359M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Native American Bank, National Association | Denver, CO | $362M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pioneer Bank | Stanley, VA | $372M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| ProGrowth Bank | Nicollet, MN | $365M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rabun County Bank | Clayton, GA | $362M | Monthly maintenance not published | Publishes Out-of-network ATM | 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 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 National Bank of Mount Dora | Mount Dora, FL | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| United Roosevelt Savings Bank | Carteret, NJ | $381M | 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 · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8.48 among 16 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
FlatIrons Bank does not publish a monthly maintenance fee, so it is not on this chart.
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 FlatIrons 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 | $24K | +$2K | +9.1% |
| Q1 2026 | $22K | −$1K | −4.3% |
| Q4 2025 | $23K | −$2K | −8.0% |
| Q3 2025 | $25K | −$4K | −13.8% |
| Q2 2025 | $29K | −$3K | −9.4% |
| Q1 2025 | $32K | +$2K | +6.7% |
| Q4 2024 | $30K | −$3K | −9.1% |
| Q3 2024 | $33K | +$7K | +26.9% |
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, FlatIrons Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to FlatIrons Bank by share.
Amounts from FlatIrons Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure Fee (Within 60 days of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $30Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Paper Statement Fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Paper Statements | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item (Per Presentment) | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Card Re-issue (Lost/Stolen Card) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer – Domestic (In Person/By Fax/Email) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire Transfer – Domestic (Online) | $18Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfer – Domestic | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing Wire Transfer – International (In Person/By Fax/Email) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Outgoing Wire Transfer – International (Online) | $28Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming Wire Transfer – International | $12Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashiers Checks (payable to third party) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment (in-person) | $32.50Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (online) | $22.50Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Foreign Collection Item | $30Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Batch Reversal or Deletion Fee | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Per Batch Sent Fee | $12Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Same Day – Surcharge (Per Batch Sent) | $3Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Cash & Deposit | |||
| ACH Returns (Chargeback) | $15Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Chargeback (Deposited Item) | $15Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Chargeback Fee (Deposited item) | $15Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Replacement Key | $30Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box (10 x 10) | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box (3 x 10) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box (5 x 10) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Forced Entry | $175Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Garnishments, Levies, & Subpoenas | $175Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Locking (Courier) | $30Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
Oct 26, 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 FlatIrons Bank operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $336.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 2 | $336.1M |
Boulder, CO
2.9% of bank deposits, #10 of 32, up 1.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 23.3% |
| Wells Fargo Bank, National Association | 17.1% |
| PNC Bank, National Association | 12.6% |
| U.S. Bank National Association | 5.7% |
| AMG National Trust Bank | 5.1% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Boulder, CO, FlatIrons Bank holds 2.9% of bank deposits, #10 of 32, with 2 offices.
111 offices of 38 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 32 institutions shown. $11.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 2.9% share, 2 offices, #10 of 32
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
25 offices of 6 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.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.