Bank of Alma

Headquarters: Alma, Wisconsin
Charter: Bank
Assets: $339.5M
Fed district: Minneapolis
Regulator: FDIC
Holding company: Dairyland Bank Holding Corp.

8 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 Bank of Alma 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.	Bank of Alma'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: Bank of Alma (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 $21K in Q2 2026, 16% below the same quarter a year earlier ($25K).
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.

NSF / Returned Item
Bank of Alma: $25
Bank of Alma: $25
U.S. median: no median
Stop Payment
Compared at $25, the middle of its prices
Bank of Alma: $25 to $50
Bank of Alma: $25 to $50
U.S. median: no median
Cashier's Check
Compared at $4.50, the middle of its prices
Bank of Alma: $4 to $5
Bank of Alma: $4 to $5
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 Minneapolis 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.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 13% from Q3 2025 to Q2 2026, to $21K.

Service-charge income, Q2 2026

$21K

$24KQ3 2025

$24KQ4 2025

$24KQ1 2026

$21KQ2 2026

Against the median

Bank of AlmaMedian

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

Bank of Alma · $340M 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.

Banks only
$328M to $350M in assets
Headquartered in 16 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
Bank of Alma(this institution)	Alma, WI	$340M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Alamosa State Bank	Alamosa, CO	$340M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bath State Bank	Bath, IN	$338M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Charles River Bank	Medway, MA	$336M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens First Bank	Viroqua, WI	$344M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens National Bank of Albion	Albion, IL	$349M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Savings Bank	Bogalusa, LA	$329M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Bank of Raymore	Raymore, MO	$347M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cowboy Bank	Kremlin, OK	$350M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cumberland Federal Bank, FSB	Cumberland, WI	$342M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Eastern Savings Bank, FSB	Hunt Valley, MD	$336M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Farmers and Merchants Bank of St. Clair	Saint Clair, MO	$343M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Farmers State Bank of Alto Pass, Ill.	Alto Pass, IL	$342M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of Hereford	Hereford, TX	$345M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Frontier Bank	Sioux Falls, SD	$349M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Kaw Valley Bank	Topeka, KS	$340M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kentucky Farmers Bank Corporation	Catlettsburg, KY	$328M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Northern State Bank	Ashland, WI	$331M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
O'Bannon Banking Company	Buffalo, MO	$333M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Citizens Bank Company	Beverly, OH	$335M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The First Security Bank	Beaver, OK	$335M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The National Bank of Andrews	Andrews, TX	$341M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The State Bank of Faribault	Faribault, MN	$329M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Traditions First Bank	Erin, TN	$337M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Ultima Bank Minnesota	Winger, MN	$334M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Waumandee State Bank	Waumandee, WI	$345M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ 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

Bank of Alma does not publish a monthly maintenance fee in the index.

The peer median is $8 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

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

Bank of AlmaPeer (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 Bank of Alma (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: $21K
vs prior quarter: −$3K−12.5%; from Q1 2026
vs a year earlier: −$4K−16.0%; from Q2 2025
vs start of range: −$8K−27.6%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Bank of Alma (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	$21K	−$3K	−12.5%
Q1 2026	$24K	$0	0.0%
Q4 2025	$24K	$0	0.0%
Q3 2025	$24K	−$1K	−4.0%
Q2 2025	$25K	+$2K	+8.7%
Q1 2025	$23K	−$22K	−48.9%
Q4 2024	$45K	+$16K	+55.2%
Q3 2024	$29K	+$3K	+11.5%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Bank of Alma’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee$5
Research (per hour, 1 hour minimum)$45
Not compared: Charged per hour; comparison unavailable
per hour · Research (per hour, 1 hour minimum) $45.00

Overdraft & NSF

Overdrafts/ NSF, per check at each presentment$25
per item

ATM & Card

Replace Checkcard$5

Check Services

Cashier’s Checks$4
Certified Checks$5
Personal Money Orders up$2
ACH Stop Payment$25
Stop Payment Lost checkbook$50
Stop Payment per check$25
per item
Duplicate Copy, per item$5
per item

Account Services

Drill Safe Deposit Box Open$100
Not compared: Box drilling or key fee
Safe Deposit Replacement Key$20
Not compared: Box drilling or key fee
Legal Process on Account$35

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$5	Not stated	None
Research (per hour, 1 hour minimum)	$45Not compared: Charged per hour; comparison unavailable	per hour	Research (per hour, 1 hour minimum) $45.00
Overdraft & NSF
Overdrafts/ NSF, per check at each presentment	$25	per item	None
ATM & Card
Replace Checkcard	$5	Not stated	None
Check Services
Cashier’s Checks	$4	Not stated	None
Certified Checks	$5	Not stated	None
Personal Money Orders up	$2	Not stated	None
ACH Stop Payment	$25	Not stated	None
Stop Payment Lost checkbook	$50	Not stated	None
Stop Payment per check	$25	per item	None
Duplicate Copy, per item	$5	per item	None
Account Services
Drill Safe Deposit Box Open	$100Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Replacement Key	$20Not compared: Box drilling or key fee	Not stated	None
Legal Process on Account	$35	Not stated	None

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

Get an email when Bank of Alma's safe deposit box changes in our data

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