Compared with Iowa
3 of 11
compared fees are above the median.
4 below, 4 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
33rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Iowa median
of 11 compared; 4 below, 4 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Pinnacle 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 Iowa median | Published fees above the Iowa median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Pinnacle Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.5% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (33rd 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 $51K in Q2 2026, 5.6% below the same quarter a year earlier ($54K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
3 of 11 compared published fees sit above the Iowa median; 4 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 Iowa medians for fees published by banks and credit unions.
Monthly Maintenance
NSF / Returned Item
Stop Payment
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.
Service-charge income fell 12% from Q3 2025 to Q2 2026, to $51K. Its share of revenue, 1.5%, is below the 2.1% median for banks with $300M to $1B in assets.
$51K
Pinnacle 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.
Pinnacle Bank · $324M 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 |
|---|---|---|---|---|---|---|---|
| Pinnacle Bank(this institution) | Marshalltown, IA | $324M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 1NB Bank | Carlyle, IL | $319M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Abacus Federal Savings Bank | New York, NY | $321M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Coushatta | Coushatta, LA | $317M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Yazoo City | Yazoo City, MS | $318M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Centera Bank | Sublette, KS | $318M | 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 |
| City Bank & Trust Co. | Lincoln, NE | $323M | Publishes Monthly maintenance | 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 |
| 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 |
| Forest Park National Bank and Trust Company | Forest Park, IL | $322M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Gateway Bank | Mendota Heights, MN | $320M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Guaranty Bank and Trust Company | New Roads, LA | $319M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heritage Bank | Topeka, KS | $325M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| KCB Bank | Lakin, KS | $322M | 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 |
| People's Bank and Trust Company of Pickett County | Byrdstown, TN | $319M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Profile Bank | Rochester, NH | $317M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sewickley Savings Bank | Sewickley, PA | $316M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The National Iron Bank | Salisbury, CT | $318M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| TNBANK | Oak Ridge, TN | $318M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $7.50 among 17 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 3, 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 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Pinnacle 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 | $51K | +$1K | +2.0% |
| Q1 2026 | $50K | −$4K | −7.4% |
| Q4 2025 | $54K | −$4K | −6.9% |
| Q3 2025 | $58K | +$4K | +7.4% |
| Q2 2025 | $54K | −$3K | −5.3% |
| Q1 2025 | $57K | −$1K | −1.7% |
| Q4 2024 | $58K | +$3K | +5.5% |
| Q3 2024 | $55K | −$1K | −1.8% |
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, Pinnacle Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Pinnacle Bank by share.
Amounts from Pinnacle Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee - Per Month After 12 Months Inactive | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research or Balancing Assistance, per hour | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee - Per Statement Cycle | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Excess Debit Fee - Each Debit in Excess of 6 Transactions per Month | $1Below the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Return Item Fee - Per Item | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Cross Border Fee | 0.9% | Not stated | None |
Check Services | |||
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| 0.2% Stop Payment Request - Per Item | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Retirement & IRA | |||
| Subject to IRA custodial transfer fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Access Card Reload Fee | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Gift Card Activation Fee | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee - Per Month After 12 Months Inactive | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research or Balancing Assistance, per hour | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee - Per Statement Cycle | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Excess Debit Fee - Each Debit in Excess of 6 Transactions per Month | $1Below the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Return Item Fee - Per Item | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Cross Border Fee | 0.9% | Not stated | None |
Check Services | |||
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| 0.2% Stop Payment Request - Per Item | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination Fees - Per File (Business Cash Management Users) | $10 | per item | None |
Cash & Deposit | |||
| Coin Counting - Non-Customer | 10% | Not stated | None |
Gift & Prepaid Cards | |||
| Access Card Reload Fee | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Gift Card Activation Fee | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Oct 11, 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 Pinnacle Bank operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $268.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 1 | $268.2M |
Largest competitors nearby
Local market: Marshall county, IA, where it holds the most deposits.
| 12 in its local market | Deposit share |
|---|---|
| Central State Bank | 25.6% |
| Wells Fargo Bank, National Association | 11.2% |
| First Interstate Bank | 10.6% |
| United Bank & Trust Co. | 7.7% |
| Farmers Savings Bank | 6% |
This bank holds 19.3% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
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.