Compared with Iowa
13 of 20
compared fees are above the median.
3 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
58th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Iowa median
of 20 compared; 3 below, 4 about the same
See the feesFee schedule read Oct 21, 2026
Call-report figures are for Iowa State Savings 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 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 Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 21, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.5% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (58th 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 $68K in Q2 2026, 4.6% above the same quarter a year earlier ($65K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
13 of 20 compared published fees sit above the Iowa median; 3 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
Relationship Checking
Can be waived with an average daily balance of $2,500 or more.
Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
NSF / Returned Item
Compared at $35, the middle of its prices
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 5.6% from Q3 2025 to Q2 2026, to $68K. Its share of revenue, 2.5%, is above the 2.1% median for banks with under $300M in assets.
$68K
Iowa State Savings 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. *Overdraft: Listed at $25 to $35; we compare the highest.
Iowa State Savings Bank · $277M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Iowa State Savings Bank(this institution) | Creston, IA | $277M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of the Federated States of Micronesia | Kolonia, FM | $278M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of The Rockies | Helena, MT | $277M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Wolcott | Wolcott, IN | $280M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cayuga Lake National Bank | Union Springs, NY | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Savings | Caldwell, OH | $285M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Davis Trust Company | Elkins, WV | $275M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers and Merchants State Bank | Winterset, IA | $272M | 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 of Valdosta | Valdosta, GA | $278M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Federal Savings Bank of Kentucky | Frankfort, KY | $283M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank of Steeleville | Steeleville, IL | $275M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| FNB Picayune Bank | Picayune, MS | $282M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Grand Bank for Savings, FSB | Hattiesburg, MS | $280M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mediapolis Savings Bank | Mediapolis, IA | $270M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mission National Bank | San Francisco, CA | $276M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Old Glory Bank | Elmore City, OK | $277M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Patriots Bank | Garnett, KS | $269M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pioneer Bank | Sergeant Bluff, IA | $283M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Reliance State Bank | Story City, IA | $277M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| South Georgia Bank | Glennville, GA | $270M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Success Bank | Bloomfield, IA | $277M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Apple Creek Banking Company | Apple Creek, OH | $271M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Farmers Bank | Nicholasville, KY | $283M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Farmers State Bank of Waupaca | Waupaca, WI | $279M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The First National Bank and Trust Company of Broken Arrow | Broken Arrow, OK | $269M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Unity Bank of Mississippi | Holly Springs, MS | $282M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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
Compared at $10, the middle of its two prices, against a peer median of $5.75 among 18 publishing peers.
Its two checking prices are $10 and $10.
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 4, 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 4, 2026. Total assets from FDIC and NCUA records.
Call reports for Iowa State Savings 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 | $68K | +$1K | +1.5% |
| Q1 2026 | $67K | $0 | 0.0% |
| Q4 2025 | $67K | −$5K | −6.9% |
| Q3 2025 | $72K | +$7K | +10.8% |
| Q2 2025 | $65K | −$1K | −1.5% |
| Q1 2025 | $66K | −$5K | −7.0% |
| Q4 2024 | $71K | −$2K | −2.7% |
| Q3 2024 | $73K | +$6K | +9.0% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Iowa State Savings Bank 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 Savings Bank by share.
Amounts from Iowa State Savings 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
per item
per item
per item
per item
per day
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research Balancing Assistance | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research or Reconciliation | $40Above the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Paper Statements | $5Above the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
Overdraft & NSF | |||
| Checking Account Overdraft (Item Paid) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Paid Overdraft Fee (Per Presentment) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Savings Account Overdraft or Non-Sufficient Funds (NSF) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Bill Pay (NSF) (Per Item) | $50Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF Returned Item Fee (Per Presentment) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Savings Account Overdraft or Non-Sufficient Funds (NSF) | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Checking Account Maximum Daily Overdraft and NSF Fees (Any Combination) | $75Below the U.S. middle 50% ($100 to $161.25 nationally) | per day | None |
ATM & Card | |||
| Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Replacement Fee | $12Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Outgoing Domestic | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers (Domestic): Outgoing (Customers Only) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers - Incoming Domestic | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers (Domestic): Incoming (Customers Only) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers - Outgoing International | $90Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers (International): Outgoing (Customers Only) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers - Incoming International | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $8Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier's Check (Customers Only) | $25Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Personal Money Orders (Available for Customers Only) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Bill Payor Stop Payment | $50Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Payroll Check Cashing (Non-Customer, from approved list) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Checks Deposited | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Item | $8Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Services (Non-Customer) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishment/Levy | $50Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
| Levy/Garnishment (As Permitted) | $80Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
Other Fees | |||
| Fax | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Photocopies | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Printout | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 21, 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 Savings Bank operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $246.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $246.2M |
Largest competitors nearby
Local market: Union and Taylor counties, IA, where it holds the most deposits.
| 4 in its local market | Deposit share |
|---|---|
| Northwest Bank | 33.8% |
| State Savings Bank | 16.6% |
| PCSB Bank | 12.3% |
| First Interstate Bank | 4.6% |
This bank holds 32.7% 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.
Holding company
AMES NATIONAL CORP (Nasdaq: ATLO)
Consolidated assets
$2.1B
Shareholders' equity
$213.1M
As of
2026Q2
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 1132651. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.