Compared with Minnesota
11 of 27
compared fees are above the median.
7 below, 9 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
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
14th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Minnesota median
of 27 compared; 7 below, 9 about the same
See the feesFee schedule read Oct 30, 2026
Call-report figures are for Gateway 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) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 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 | 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. | Gateway Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 30, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.8% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (14th 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 $30K in Q2 2026, 12% below the same quarter a year earlier ($34K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
11 of 27 compared published fees sit above the Minnesota median; 7 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
Overdraft (OD)
NSF / Returned Item
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 rose 15% from Q3 2025 to Q2 2026, to $30K. Its share of revenue, 0.8%, is below the 2.1% median for banks with $300M to $1B in assets.
$30K
Gateway BankMedian
FFIEC and FDIC call reportss, 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.
Gateway Bank · $320M 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 |
|---|---|---|---|---|---|---|---|
| Gateway Bank(this institution) | Mendota Heights, MN | $320M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 Independent Bank | Saint Louis Park, MN | $314M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| Community Bank | Longview, TX | $315M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| 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 |
| 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 |
| 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 |
| PEOPLES BANK | Sheridan, AR | $314M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Profile Bank | Rochester, NH | $317M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Seneca Savings Bank, National Association | Baldwinsville, NY | $312M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sewickley Savings Bank | Sewickley, PA | $316M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| State Bank of Graymont | Graymont, IL | $313M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 Payne County Bank | Perkins, OK | $313M | Monthly maintenance not published | 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 |
| 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 $17, 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 Oct 21, 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 Oct 21, 2026. Total assets from FDIC and NCUA records.
Call reports for Gateway 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 | $30K | +$3K | +11.1% |
| Q1 2026 | $27K | +$2K | +8.0% |
| Q4 2025 | $25K | −$1K | −3.8% |
| Q3 2025 | $26K | −$8K | −23.5% |
| Q2 2025 | $34K | +$3K | +9.7% |
| Q1 2025 | $31K | +$4K | +14.8% |
| Q4 2024 | $27K | −$3K | −10.0% |
| Q3 2024 | $30K | +$2K | +7.1% |
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, Gateway Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Gateway Bank by share.
Amounts from Gateway 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 · Additional outside fees may apply
per item · Additional outside fees may apply
per item
per item · Additional outside fees may apply
per item
per item
per item
per item · Per item in file
per item · Per file sent
per item · Per file
per item
per item · Per roll
per item · Per strap
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Maintenance | $17Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing Fee (less than 6 months) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation/Research (1 hour min.) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail Fee | $2Below the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Daily Overdraft Fee | $6Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Non-Network ATM Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement ATM/Debit Cards | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ATM/Debit Card 2 Day Rush Delivery | $30Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| ATM/Debit Card Rush Production | $30Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| ATM/Debit International Transaction Fee | 1% | Not stated | None |
| ATM/Debit International Transaction Fee (audience not stated, treated as personal) | 1% | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | Additional outside fees may apply |
| Repetitive Outgoing Domestic Wire Transfer | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | Additional outside fees may apply |
| Incoming Domestic Wire Transfer | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Outgoing International Wire Transfer | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | Additional outside fees may apply |
| Repetitive Outgoing International: Wire Transfer | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming International Wire Transfer | $15Inside 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 |
| ACH Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Item | $30Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Foreign Item Deposit | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Credits and Debits | $0.13Below the U.S. middle 50% ($5 to $15 nationally) | per item | Per item in file |
| ACH File Origination | $7Inside the U.S. middle 50% ($5 to $15 nationally) | per item | Per file sent |
| ACH Setup | $30Above the U.S. middle 50% ($5 to $15 nationally) | per item | Per file |
| ACH Reversals/File Correction | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Returned Bill Payment Fee | $5Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counting - Current Clients | No chargeInside the U.S. middle 50% ($0 to $2.50 nationally) | Not stated | None |
| Coin Counting - Non Client | 5% | Not stated | None |
| Coin Counting - Non Client (audience not stated, treated as personal) | 5% | Not stated | None |
| Coin Purchase | $0.12Inside the U.S. middle 50% ($0 to $2.50 nationally) | per item | Per roll |
| Currency Purchase | $0.50Inside the U.S. middle 50% ($0 to $2.50 nationally) | per item | Per strap |
| Cash Advance | $8Inside the U.S. middle 50% ($2 to $10 nationally) | per item | None |
Account Services | |||
| Notary Service – Client | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Service – Non Client | $1Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drilling Charges | $30Not compared: Box drilling or key fee | Not stated | None |
| Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box - 10 x 10 | $130Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box - 3 x 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box - 3 x 5 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box - 5 x 10 | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishment/Levy Execution | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Audit Confirmation | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| MasterCard Prepaid Gift Cards | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 30, 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 Gateway Bank operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $269.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 2 | $269.7M |
Minneapolis-St. Paul-Bloomington, MN-WI
0.1% of bank deposits, #56 of 125, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 40.8% |
| Wells Fargo Bank, National Association | 20.3% |
| Ameriprise Bank, FSB | 9.5% |
| Old National Bank | 2.9% |
| The Huntington National Bank | 2.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Minneapolis-St. Paul-Bloomington, MN-WI, Gateway Bank holds 0.1% of bank deposits, #56 of 125, with 2 offices.
900 offices of 143 institutions shown.
Showing 900 of 947 offices: the largest institutions' offices, with banks and credit unions in proportion.
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 125 institutions shown. $253.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.1% share, 2 offices, #56 of 125
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
233 offices of 54 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 1, 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.