Ultima Bank Minnesota

Headquarters: Winger, Minnesota
Charter: Bank
Assets: $333.9M
Fed district: Minneapolis
Regulator: FDIC
Holding company: Financial Services Winger Inc.

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

Source: its fee schedule, read Nov 5, 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 5, 2026

How these figures are measured

Call-report figures are for Ultima Bank Minnesota 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.	Ultima Bank Minnesota's published fee schedule; Bank Fee Index medians	Current schedule	Nov 5, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Ultima Bank Minnesota (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 $102K in Q2 2026, 4.7% below the same quarter a year earlier ($107K).
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
Account Current
Can be waived with a minimum balance of $1,000 or more.
Ultima Bank Minnesota: $10
Ultima Bank Minnesota: $10
U.S. median: no median
Wire Transfer (Domestic Out)
Ultima Bank Minnesota: $30
Ultima Bank Minnesota: $30
U.S. median: no median
Stop Payment
Ultima Bank Minnesota: $25
Ultima Bank Minnesota: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 5, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, 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).
Minnesota: Banks and credit unions headquartered in Minnesota 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 24% from Q3 2025 to Q2 2026, to $102K.

Service-charge income, Q2 2026

$102K

$134KQ3 2025

$116KQ4 2025

$105KQ1 2026

$102KQ2 2026

Against the median

Ultima Bank MinnesotaMedian

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

Ultima Bank Minnesota · $334M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$324M to $344M in assets
Headquartered in 18 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
Ultima Bank Minnesota(this institution)	Winger, MN	$334M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	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
Bank of Alma	Alma, WI	$340M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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 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
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
Douglas National Bank	Douglas, GA	$327M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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 State Bank	Lonoke, AR	$328M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Heritage Bank	Topeka, KS	$325M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
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
PCSB Bank	Clarinda, IA	$326M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pinnacle Bank	Marshalltown, IA	$324M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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 Peoples Bank	Brownstown, IN	$324M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (33%) above the median of similar-sized banks.

Its published price is $10, against a peer median of $7.50 among 12 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

Ultima Bank MinnesotaPeer (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 Ultima Bank Minnesota (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: $102K
vs prior quarter: −$3K−2.9%; from Q1 2026
vs a year earlier: −$5K−4.7%; from Q2 2025
vs start of range: −$11K−9.7%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Ultima Bank Minnesota (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	$102K	−$3K	−2.9%
Q1 2026	$105K	−$11K	−9.5%
Q4 2025	$116K	−$18K	−13.4%
Q3 2025	$134K	+$27K	+25.2%
Q2 2025	$107K	−$2K	−1.8%
Q1 2025	$109K	−$18K	−14.2%
Q4 2024	$127K	+$14K	+12.4%
Q3 2024	$113K	+$11K	+10.8%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Ultima Bank Minnesota’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$10
per month
Account Reconciliation / Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Continuous Overdraft or NSF$30

ATM & Card

Debit Card Replacement$10

Wire Transfers

Wire Transfers: Outgoing$30
Wire Transfers: Incoming$20

Check Services

Cashier's Check$5
per item
Stop Payments$25
Counter Checks$0.25
per item
Check Cashing (audience not stated, treated as personal)3%
Collection Items$25
per item

Cash & Deposit

Coin Counting (Non‑Customer)3%
Coin Counting (Non‑Customer) (audience not stated, treated as personal)3%
Returned Deposited or Cashed Check$10
per item

Account Services

Notary Service$5
Safe Deposit Box 3 × 10 inches$50
per year
Safe Deposit Box 3 × 5 inches$25
per year
Safe Deposit Box 5 × 10 inches$60
per year
Safe Deposit Box 5 × 5 inches$35
per year
Garnishments / Executions / Levies$50

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$10	per month	None
Account Reconciliation / Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Continuous Overdraft or NSF	$30	Not stated	None
ATM & Card
Debit Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfers: Outgoing	$30	Not stated	None
Wire Transfers: Incoming	$20	Not stated	None
Check Services
Cashier's Check	$5	per item	None
Stop Payments	$25	Not stated	None
Counter Checks	$0.25	per item	None
Check Cashing (audience not stated, treated as personal)	3%	Not stated	None
Collection Items	$25	per item	None
Cash & Deposit
Coin Counting (Non‑Customer)	3%	Not stated	None
Coin Counting (Non‑Customer) (audience not stated, treated as personal)	3%	Not stated	None
Returned Deposited or Cashed Check	$10	per item	None
Account Services
Notary Service	$5	Not stated	None
Safe Deposit Box 3 × 10 inches	$50	per year	None
Safe Deposit Box 3 × 5 inches	$25	per year	None
Safe Deposit Box 5 × 10 inches	$60	per year	None
Safe Deposit Box 5 × 5 inches	$35	per year	None
Garnishments / Executions / Levies	$50	Not stated	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 5, 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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