Compared with Minnesota
4 of 15
compared fees are above the median.
8 below, 3 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
70th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Minnesota median
of 15 compared; 8 below, 3 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for Castle Rock 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 1,681 banks with under $300M 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. | Castle Rock Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.1% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (70th 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 $69K in Q2 2026, 30% above the same quarter a year earlier ($53K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 15 compared published fees sit above the Minnesota median; 8 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.
Non-Network ATM
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 fell 5.5% from Q3 2025 to Q2 2026, to $69K. Its share of revenue, 3.1%, is above the 2.1% median for banks with under $300M in assets.
$69K
Castle Rock BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Castle Rock Bank · $294M 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 |
|---|---|---|---|---|---|---|---|
| Castle Rock Bank(this institution) | Castle Rock, MN | $294M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 22nd State Banking Company | Mobile, AL | $292M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Crockett | Bells, TN | $299M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Caldwell Bank & Trust Company | Columbia, LA | $299M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens State Bank of Roseau | Roseau, MN | $291M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Collins State Bank | Collins, WI | $301M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| DLP Bank | Starke, FL | $301M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers & Merchants Bank | Eatonton, GA | $290M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers Bank | Greenwood, AR | $289M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Federal Savings and Loan Association | Newark, OH | $294M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First National Bank Of Commerce | Walnut Ridge, AR | $297M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Whitney Bank and Trust | Atlantic, IA | $288M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Grant County Bank | Ulysses, KS | $298M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Leighton State Bank | Pella, IA | $298M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| McClain Bank | Purcell, OK | $294M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nantahala Bank & Trust Company | Franklin, NC | $289M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| RNB STATE BANK | Rawlins, WY | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security First Bank of North Dakota | New Salem, ND | $293M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| St. Johns Bank and Trust Company | Saint Louis, MO | $297M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Bank | Waterloo, IL | $296M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Savings Bank | West Des Moines, IA | $292M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank of Forest | Forest, MS | $296M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First National Bank of Milaca | Milaca, MN | $293M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Fort Jennings State Bank | Fort Jennings, OH | $286M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Springdale, AR | $296M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United State Bank | Lewistown, MO | $290M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.13 among 18 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
Castle Rock Bank does not publish a monthly maintenance fee, so it is not on this chart.
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 Castle Rock 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 | $69K | −$9K | −11.5% |
| Q1 2026 | $78K | −$2K | −2.5% |
| Q4 2025 | $80K | +$7K | +9.6% |
| Q3 2025 | $73K | +$20K | +37.7% |
| Q2 2025 | $53K | +$1K | +1.9% |
| Q1 2025 | $52K | −$1K | −1.9% |
| Q4 2024 | $53K | −$1K | −1.9% |
| Q3 2024 | $54K | −$9K | −14.3% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Castle Rock Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Castle Rock Bank by share.
Amounts from Castle Rock Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item
per year
per year
per year
per year
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Balancing Assistance | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Return Item Fee | $29Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM or Debit Card Withdrawal | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfers | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Domestic Wire Transfers | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Outgoing Foreign Wire Transfers | $25Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Incoming Foreign Wire Transfers | $25Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Stop Payments (All Items) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Noncustomer Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay Service | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Loose Coin Counting – Noncustomer | $5Above the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
Account Services | |||
| Notary Service | $2Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Lost Key Fee | $15Not compared: Box drilling or key fee | per item | None |
| Safety Deposit Box 3 x 10 | $49Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safety Deposit Box 3 x 5 | $24.50Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safety Deposit Box 5 x 10 | $64.50Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safety Deposit Box 5 x 5 | $34Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment/Levy | $20Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Photocopies | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 17, 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 Castle Rock Bank operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $249.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $249.6M |
Minneapolis-St. Paul-Bloomington, MN-WI
0.1% of bank deposits, #60 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, Castle Rock Bank holds 0.1% of bank deposits, #60 of 125, with 3 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, 3 offices, #60 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.
Fee change alerts
We check once a day and send one email covering every change.