Compared with Iowa
8 of 16
compared fees are above the median.
2 below, 6 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
23rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Iowa median
of 16 compared; 2 below, 6 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Iowa State Bank and Trust Company of Fairfield, Iowa 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. | Iowa State Bank and Trust Company of Fairfield, Iowa's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.1% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (23rd 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 $35K in Q2 2026, 7.9% below the same quarter a year earlier ($38K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 16 compared published fees sit above the Iowa 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 Iowa medians for fees published by banks and credit unions.
Monthly Maintenance
Can be waived with an average 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 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 5.4% from Q3 2025 to Q2 2026, to $35K. Its share of revenue, 1.1%, is below the 2.1% median for banks with $300M to $1B in assets.
$35K
Iowa State Bank and Trust Company of Fairfield, IowaMedian
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.
Iowa State Bank and Trust Company of Fairfield, Iowa · $352M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Iowa State Bank and Trust Company of Fairfield, Iowa(this institution) | Fairfield, IA | $352M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| Community Bank | Lexington, TN | $358M | 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 |
| Farmers & Merchants Bank | Miamisburg, OH | $359M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 in Port Lavaca | Port Lavaca, TX | $361M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| Glenwood State Bank | Glenwood, IA | $353M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Great Southern Bank | Meridian, MS | $355M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Harvest Bank | Kimball, MN | $355M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heritage Bank National Association | Spicer, MN | $361M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ireland Bank | Malad City, ID | $355M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Logan Bank & Trust Company | Logan, WV | $359M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Native American Bank, National Association | Denver, CO | $362M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| OSB Community Bank | Ottawa, IL | $356M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Premier Bank | Dubuque, IA | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Rabun County Bank | Clayton, GA | $362M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Street Bank and Trust Company | Quincy, IL | $357M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Gordon | Gordon, NE | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The First National Bank of Mount Dora | Mount Dora, FL | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $14, against a peer median of $8.50 among 14 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 1, 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Iowa State Bank and Trust Company of Fairfield, Iowa (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 | $35K | $0 | 0.0% |
| Q1 2026 | $35K | −$8K | −18.6% |
| Q4 2025 | $43K | +$6K | +16.2% |
| Q3 2025 | $37K | −$1K | −2.6% |
| Q2 2025 | $38K | +$4K | +11.8% |
| Q1 2025 | $34K | −$2K | −5.6% |
| Q4 2024 | $36K | +$1K | +2.9% |
| Q3 2024 | $35K | +$2K | +6.1% |
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, Iowa State Bank and Trust Company of Fairfield, Iowa left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Iowa State Bank and Trust Company of Fairfield, Iowa by share.
Amounts from Iowa State Bank and Trust Company of Fairfield, Iowa’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Personal Checking Monthly service fee | $14Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closed within 180 days of opening | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance ($10.00 minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research - Copy Request | $1Below the U.S. middle 50% ($6.44 to $25 nationally) | per item | None |
| Returned Mail Fee | $15Not compared: One-time charge, not monthly | one time | None |
ATM & Card | |||
| ATM or Debit Card Replacement Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer - Domestic outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer - Domestic incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfer - International Outgoing converted to foreign currency | $65Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer - International Outgoing US to US dollar | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer - International Incoming | $42Above the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $28Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Check | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Canadian check processing | $12Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Account Services | |||
| Garnishments/Levies | $50Inside the U.S. middle 50% ($30 to $85.63 nationally) | per item | None |
Other Fees | |||
| Fax | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed within 180 days of opening | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance ($10.00 minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research - Copy Request | $1Below the U.S. middle 50% ($6.44 to $25 nationally) | per item | None |
| Returned Mail Fee | $15Not compared: One-time charge, not monthly | one time | None |
ATM & Card | |||
| ATM or Debit Card Replacement Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer - Domestic outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer - Domestic incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfer - International Outgoing converted to foreign currency | $65Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer - International Outgoing US to US dollar | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer - International Incoming | $42Above the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $28Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Check | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Canadian check processing | $12Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposited Item on Business Accounts | $5 | per item | None |
| Returned Deposited Item on Business Accounts-International | $15 | per item | None |
Account Services | |||
| Garnishments/Levies | $50Inside the U.S. middle 50% ($30 to $85.63 nationally) | per item | None |
Other Fees | |||
| Fax | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Nov 1, 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 Iowa State Bank and Trust Company of Fairfield, Iowa operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $300.9M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $300.9M |
Largest competitors nearby
Local market: Jefferson, Wapello and Appanoose counties, IA, where it holds the most deposits.
| 16 in its local market | Deposit share |
|---|---|
| South Ottumwa Savings Bank | 20.4% |
| Nicolet National Bank | 13.4% |
| The Libertyville Savings Bank | 11.8% |
| U.S. Bank National Association | 10.3% |
| Iowa Trust and Savings Bank | 9.4% |
This bank holds 19.9% 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.