Compared with Iowa
12 of 20
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
84th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Iowa median
of 20 compared; 2 below, 6 about the same
See the feesFee schedule read Oct 4, 2026
Call-report figures are for Heartland 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. | Heartland Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 4, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.5% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (84th 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 $150K in Q2 2026, 8.0% below the same quarter a year earlier ($163K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
12 of 20 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.
NSF / Returned Item
Monthly Maintenance
Compared at $5.87, the middle of its prices
Overdraft (OD)
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 15% from Q3 2025 to Q2 2026, to $150K. Its share of revenue, 4.5%, is above the 2.1% median for banks with under $300M in assets.
$150K
Heartland 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. *Monthly maintenance: Listed at $2.25 to $9.49; we compare the midpoint.
Heartland Bank · $256M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Heartland Bank(this institution) | Somers, IA | $256M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1st National Bank | Lebanon, OH | $247M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Alliant Bank | Madison, MO | $256M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Brookhaven | Brookhaven, MS | $262M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Easton | North Easton, MA | $249M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Hindman | Hindman, KY | $260M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bank of Perry County | Lobelville, TN | $253M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cendera Bank | Bells, TX | $258M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank of Eldon | Eldon, MO | $247M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Commercial State Bank | Wausa, NE | $264M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Drake Bank | Saint Paul, MN | $247M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Financial Bank | Bessemer, AL | $248M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Bank of Burleson | Burleson, TX | $251M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank USA | Boutte, LA | $249M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hometown Bank | Kent, OH | $255M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lee Bank and Trust Company | Pennington Gap, VA | $257M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Quoin Financial Bank | Miller, SD | $251M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Raritan State Bank | Raritan, IL | $254M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Security Bank | New Auburn, WI | $254M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security National Bank of South Dakota | Dakota Dunes, SD | $251M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Farmers State Bank of Westmoreland | Westmoreland, KS | $258M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Peoples Bank of Georgia | Talbotton, GA | $252M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wayne Bank and Trust Co. | Richmond, IN | $255M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Western National Bank | Chester, NE | $257M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wyoming Community Bank | Riverton, WY | $262M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| YNB | Yukon, OK | $261M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5.87, the middle of its two prices, against a peer median of $5.95 among 15 publishing peers.
Its two checking prices are $2.25 and $9.49.
$5.87 is a comparison price, not a fee anyone is charged.
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
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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Heartland 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 | $150K | −$5K | −3.2% |
| Q1 2026 | $155K | −$9K | −5.5% |
| Q4 2025 | $164K | −$13K | −7.3% |
| Q3 2025 | $177K | +$14K | +8.6% |
| Q2 2025 | $163K | +$17K | +11.6% |
| Q1 2025 | $146K | −$6K | −3.9% |
| Q4 2024 | $152K | +$5K | +3.4% |
| Q3 2024 | $147K | +$8K | +5.8% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Heartland Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Heartland Bank by share.
Amounts from Heartland Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour
per item
per item
per day
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance (audience not stated, treated as personal) | $2.25Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee on Elite Checking | $9.49Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Minimum Balance | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing Fee: Fee charged if new account is closed within six months of being open | $35Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity Fee (audience not stated, treated as personal) | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balance/ Research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Fee (audience not stated, treated as personal) | $34Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Replacement Check/Money Order: Replace a lost cashiers check or money order or to convert an insufficient funds check with a cashiers check | $10Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Continuous Overdraft Fee (audience not stated, treated as personal) | $7.50Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Overdraft Protection (If you have signed up for this protection) (audience not stated, treated as personal) | $8Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer (Domestic Out) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (Domestic Out) | $60Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wires (domestic): A wire transfer that is deposited into your account from another bank via not going through t | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer (Int'l Out) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check: A check guaranteed by the bank | $7Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Personal Money Order | $7Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $40Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay: ability to pay bills 24/7, at your convenience, pay all bills at one site, safe and secure | No chargeInside 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 | |||
| Credit Card Cash Advance | No chargeBelow the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Deposited Checks Returned Unpaid | $7Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Lost Safety Deposit Box Key: Unable to locate key to box. Bank replaces lost key(s) | $50Not compared: Box drilling or key fee | per item | None |
| Garnishment/Levy | $75Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| One full year of Statement Copies: Proving additional copy of all statements for 12 month period. Statements can be pick | $75Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Services | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service fee on Elite Checking | $9.49Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Minimum Balance | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing Fee: Fee charged if new account is closed within six months of being open | $35Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Balance/ Research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Replacement Check/Money Order: Replace a lost cashiers check or money order or to convert an insufficient funds check with a cashiers check | $10Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer (Domestic Out) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (Domestic Out) | $60Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wires (domestic): A wire transfer that is deposited into your account from another bank via not going through t | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer (Int'l Out) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check: A check guaranteed by the bank | $7Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Personal Money Order | $7Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $40Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Digital & Electronic | |||
| Monthly fee to allow business to generate ACH transactions | $40Not compared: Monthly charge, not per item | per month | None |
| Bill Pay: ability to pay bills 24/7, at your convenience, pay all bills at one site, safe and secure | No chargeInside 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 | |||
| Credit Card Cash Advance | No chargeBelow the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Deposited Checks Returned Unpaid | $7Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Lost Safety Deposit Box Key: Unable to locate key to box. Bank replaces lost key(s) | $50Not compared: Box drilling or key fee | per item | None |
| Garnishment/Levy | $75Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| One full year of Statement Copies: Proving additional copy of all statements for 12 month period. Statements can be pick | $75Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Services | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 4, 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 Heartland Bank operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $203.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 5 | $203.7M |
Largest competitors nearby
Local market: Calhoun, Webster and Greene counties, IA, where it holds the most deposits.
| 15 in its local market | Deposit share |
|---|---|
| Home State Bank | 18.8% |
| Northwest Bank | 15.7% |
| United Bank of Iowa | 14% |
| First Interstate Bank | 7.4% |
| Peoples Bank | 7.2% |
This bank holds 9.8% 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.