Compared with Minnesota
6 of 13
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
58th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Minnesota median
of 13 compared; 2 below, 5 about the same
See the feesFee schedule read Nov 5, 2026
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 | 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 Minnesota median | Published fees above the Minnesota 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
Service charges were 2.4% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (58th 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 $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.
6 of 13 compared published fees sit above the Minnesota 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 Minnesota 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.
Wire Transfer (Domestic Out)
Stop Payment
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.
Service-charge income fell 24% from Q3 2025 to Q2 2026, to $102K. Its share of revenue, 2.4%, is above the 2.1% median for banks with $300M to $1B in assets.
$102K
Ultima Bank MinnesotaMedian
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.
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.
| 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.
Peer pricing snapshot
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
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 Ultima Bank Minnesota (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 | $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% |
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, Ultima Bank Minnesota left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Ultima Bank Minnesota by share.
Amounts from Ultima Bank Minnesota’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation / Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Continuous Overdraft or NSF | $30Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Incoming | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payments | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $0.25Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing (audience not stated, treated as personal) | 3% | Not stated | None |
| Collection Items | $25Inside the U.S. middle 50% ($10 to $26 nationally) | 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 | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 3 × 10 inches | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 × 5 inches | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 × 10 inches | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 × 5 inches | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishments / Executions / Levies | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | 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
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.
Where Ultima Bank Minnesota operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $277.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $185.9M | |
| Outside a metro area | 3 | $91.3M |
Grand Forks, ND-MN
4.8% of bank deposits, #11 of 21, up 1.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Alerus Financial, National Association | 15.1% |
| Old National Bank | 14.8% |
| Gate City Bank | 9.5% |
| U.S. Bank National Association | 7.9% |
| Frandsen Bank & Trust | 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 Grand Forks, ND-MN, Ultima Bank Minnesota holds 4.8% of bank deposits, #11 of 21, with 3 offices.
51 offices of 29 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 21 institutions shown. $3.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 4.8% share, 3 offices, #11 of 21
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
13 offices of 8 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 4, 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.