Pinnacle Bank

Headquarters: Marshalltown, Iowa
Charter: Bank
Assets: $324.4M
Fed district: Chicago
Regulator: Federal Reserve
Holding company: Iowa River Bancorp Inc.

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

Source: its fee schedule, read Oct 11, 2026.

Overview

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
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 Oct 11, 2026

How these figures are measured

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) 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.	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

Details

Source: FFIEC call report (bulk data)
Entity: Pinnacle Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Pinnacle Bank: $5
Pinnacle Bank: $5
U.S. median: no median
NSF / Returned Item
Pinnacle Bank: $30
Pinnacle Bank: $30
U.S. median: no median
Stop Payment
Pinnacle Bank: $25
Pinnacle Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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.

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).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 12% from Q3 2025 to Q2 2026, to $51K.

Service-charge income, Q2 2026

$51K

$58KQ3 2025

$54KQ4 2025

$50KQ1 2026

$51KQ2 2026

Against the median

Pinnacle BankMedian

Sources and open questions

FFIEC 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

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.

Banks only
$316M to $333M 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
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.

Fee type

Peer pricing snapshot

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

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

Pinnacle BankPeer (equal prices stack)Peer medianInclude $17 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

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 Pinnacle Bank (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: $51K
vs prior quarter: +$1K+2.0%; from Q1 2026
vs a year earlier: −$3K−5.6%; from Q2 2025
vs start of range: −$4K−7.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Pinnacle Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

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%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly Maintenance$5
per month
Dormant Account Fee - Per Month After 12 Months Inactive$5
per month
Account Research or Balancing Assistance, per hour$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee - Per Statement Cycle$2
per month
Excess Debit Fee - Each Debit in Excess of 6 Transactions per Month$1
per item

Overdraft & NSF

Return Item Fee - Per Item$30
per item

ATM & Card

Debit Card Replacement$20
Cross Border Fee0.9%

Check Services

Cashier's Check$5
Money Order$3
0.2% Stop Payment Request - Per Item$25
per item

Retirement & IRA

Subject to IRA custodial transfer fee$25

Gift & Prepaid Cards

Access Card Reload Fee$4.95
Gift Card Activation Fee$4

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$5	per month	None
Dormant Account Fee - Per Month After 12 Months Inactive	$5	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	$2	per month	None
Excess Debit Fee - Each Debit in Excess of 6 Transactions per Month	$1	per item	None
Overdraft & NSF
Return Item Fee - Per Item	$30	per item	None
ATM & Card
Debit Card Replacement	$20	Not stated	None
Cross Border Fee	0.9%	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Money Order	$3	Not stated	None
0.2% Stop Payment Request - Per Item	$25	per item	None
Retirement & IRA
Subject to IRA custodial transfer fee	$25	Not stated	None
Gift & Prepaid Cards
Access Card Reload Fee	$4.95	Not stated	None
Gift Card Activation Fee	$4	Not stated	None

Account Maintenance

Dormant Account Fee - Per Month After 12 Months Inactive$5
per month
Account Research or Balancing Assistance, per hour$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee - Per Statement Cycle$2
per month
Excess Debit Fee - Each Debit in Excess of 6 Transactions per Month$1
per item

Overdraft & NSF

Return Item Fee - Per Item$30
per item

ATM & Card

Debit Card Replacement$20
Cross Border Fee0.9%

Check Services

Cashier's Check$5
Money Order$3
0.2% Stop Payment Request - Per Item$25
per item

Digital & Electronic

ACH Origination Fees - Per File (Business Cash Management Users)$10
per item

Cash & Deposit

Coin Counting - Non-Customer10%

Gift & Prepaid Cards

Access Card Reload Fee$4.95
Gift Card Activation Fee$4

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee - Per Month After 12 Months Inactive	$5	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	$2	per month	None
Excess Debit Fee - Each Debit in Excess of 6 Transactions per Month	$1	per item	None
Overdraft & NSF
Return Item Fee - Per Item	$30	per item	None
ATM & Card
Debit Card Replacement	$20	Not stated	None
Cross Border Fee	0.9%	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Money Order	$3	Not stated	None
0.2% Stop Payment Request - Per Item	$25	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	$4.95	Not stated	None
Gift Card Activation Fee	$4	Not stated	None

Correct a fee source

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.

Fee change alerts

Get an email when Pinnacle Bank's monthly maintenance changes in our data

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