Security First Bank of North Dakota

Headquarters: New Salem, North Dakota
Charter: Bank
Assets: $293.2M
Fed district: Minneapolis
Regulator: FDIC
Holding company: Oliver Bancorp Inc.

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

Source: its fee schedule, read Oct 13, 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 13, 2026

How these figures are measured

Call-report figures are for Security First Bank of North Dakota 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.	Security First Bank of North Dakota's published fee schedule; Bank Fee Index medians	Current schedule	Oct 13, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Security First Bank of North Dakota (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 $27K in Q2 2026, 23% above the same quarter a year earlier ($22K).
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.

Overdraft (OD)
Security First Bank of North Dakota: $29.95
Security First Bank of North Dakota: $29.95
U.S. median: no median
NSF / Returned Item
Security First Bank of North Dakota: $29.95
Security First Bank of North Dakota: $29.95
U.S. median: no median
Non-Network ATM
Leaves out 1 fee charged on a different basis filed under this fee.
Security First Bank of North Dakota: $1
Security First Bank of North Dakota: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis 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).
North Dakota: Banks and credit unions headquartered in North Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 6.9% from Q3 2025 to Q2 2026, to $27K.

Service-charge income, Q2 2026

$27K

$29KQ3 2025

$26KQ4 2025

$27KQ1 2026

$27KQ2 2026

Against the median

Security First Bank of North DakotaMedian

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

Security First Bank of North Dakota · $293M 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.

Banks only
$286M to $301M in assets
Headquartered in 17 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
Security First Bank of North Dakota(this institution)	New Salem, ND	$293M	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
Castle Rock Bank	Castle Rock, MN	$294M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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
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.

Fee type

Peer pricing snapshot

Security First Bank of North Dakota does not publish a monthly maintenance fee in the index.

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

Security First Bank of North Dakota does not publish a monthly maintenance fee, so it is not on this chart.

Security First Bank of No…Peer (equal prices stack)Peer medianInclude 2 outliers ($22.50, $25)Shown past the axis break, not to scale, so the rest of the set has room.

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.

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 Security First Bank of North Dakota (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: $27K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: +$5K+22.7%; from Q2 2025
vs start of range: +$5K+22.7%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Security First Bank of North Dakota (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	$27K	$0	0.0%
Q1 2026	$27K	+$1K	+3.8%
Q4 2025	$26K	−$3K	−10.3%
Q3 2025	$29K	+$7K	+31.8%
Q2 2025	$22K	−$4K	−15.4%
Q1 2025	$26K	+$4K	+18.2%
Q4 2024	$22K	$0	0.0%
Q3 2024	$22K	−$1K	−4.3%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Security First Bank of North Dakota’s own schedules, with a source for each figure.

Account Maintenance

Personal Gold Checking Account Minimum balance fee$3.95
Dormant Account Fee$2.95
per month
Account Balancing Assistance$34.95
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$34.95
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement$3.95
per item

Overdraft & NSF

Overdraft Item Fees$29.95
per item
Returned Item Fees$29.95
per item
Continuous Overdraft Charge$29.95

ATM & Card

ATM Clearing Regulatory Review Fee$9.95
Not compared: Monthly charge, not per item
per month
ATM Fill Fee$1
Replace Dual ATM Cards & PINs$11.17
VISA Debit Card Replacement$12.95
per item

Wire Transfers

Wire Transfer (Outgoing)$14.95
Wire Transfer (Outgoing Foreign)$49.95
Wire Transfer (Incoming Foreign)$29.95

Check Services

Money Order$0.95
Stop Payment Fee - ACH Item$19.95
per item
Stop Payment Fee - Check$19.95
per item
Collection items (domestic)$25
Copy of Check$1.95

Account Services

Past Due Safe Deposit Box Rent$9.95
Not compared: Monthly charge, not annual
per month
Safe Deposit Box Drill Out$124.95
Not compared: Box drilling or key fee
Safe Deposit Box Lock Re-Key (Due to Lost Key)$69.95
Not compared: Box drilling or key fee
Garnishment/Levies$25

Gift & Prepaid Cards

VISA Gift Card$2.95
VISA Travel Money Card Reload Fee$2

Other Fees

Copy of Statement$1.95

Fee	Amount	Basis	Note
Account Maintenance
Personal Gold Checking Account Minimum balance fee	$3.95	Not stated	None
Dormant Account Fee	$2.95	per month	None
Account Balancing Assistance	$34.95Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$34.95Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement	$3.95	per item	None
Overdraft & NSF
Overdraft Item Fees	$29.95	per item	None
Returned Item Fees	$29.95	per item	None
Continuous Overdraft Charge	$29.95	Not stated	None
ATM & Card
ATM Clearing Regulatory Review Fee	$9.95Not compared: Monthly charge, not per item	per month	None
ATM Fill Fee	$1	Not stated	None
Replace Dual ATM Cards & PINs	$11.17	Not stated	None
VISA Debit Card Replacement	$12.95	per item	None
Wire Transfers
Wire Transfer (Outgoing)	$14.95	Not stated	None
Wire Transfer (Outgoing Foreign)	$49.95	Not stated	None
Wire Transfer (Incoming Foreign)	$29.95	Not stated	None
Check Services
Money Order	$0.95	Not stated	None
Stop Payment Fee - ACH Item	$19.95	per item	None
Stop Payment Fee - Check	$19.95	per item	None
Collection items (domestic)	$25	Not stated	None
Copy of Check	$1.95	Not stated	None
Account Services
Past Due Safe Deposit Box Rent	$9.95Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box Drill Out	$124.95Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lock Re-Key (Due to Lost Key)	$69.95Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levies	$25	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$2.95	Not stated	None
VISA Travel Money Card Reload Fee	$2	Not stated	None
Other Fees
Copy of Statement	$1.95	Not stated	None

Correct a fee source

Oct 13, 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.

Branches and public record

Where Security First Bank of North Dakota operates, and what regulators and customers have on file.

Market position

In Bismarck, ND, Security First Bank of North Dakota holds 3.6% of bank deposits, #10 of 18, with 5 offices.

Compare fees with the 14 Bismarck, ND banks and credit unions in its home-metro peer set →

Offices in the metro

71 offices of 24 institutions shown.

Security First Bank of North DakotaOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Bismarck, ND metro (FDIC metro code 13900), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 1 office has no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Starion Bank18.6%
2Dakota Community Bank & Trust, National Association10.7%
3Gate City Bank10.1%
4Bravera Bank8.6%
5Wells Fargo Bank, National Association8.2%
6BNC National Bank7.7%
7U.S. Bank National Association6.4%
8Old National Bank6.3%
10Security First Bank of North Dakota3.6%

9 of 18 institutions shown. $6.9B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Bismarck, ND metro (FDIC metro code 13900)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 3.6% share, 5 offices, #10 of 18

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Bismarck, ND metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

17 offices of 6 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 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

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