21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 4, 2026.
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 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) 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. | 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-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.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $5.87, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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.
$150K
Heartland BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
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% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Heartland Bank’s own schedules, with a source for each figure.
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) | $2.25 | per month | None |
| Monthly service fee on Elite Checking | $9.49 | per month | None |
| Minimum Balance | $12 | per month | None |
| Account Closing Fee: Fee charged if new account is closed within six months of being open | $35 | Not stated | None |
| Inactivity Fee (audience not stated, treated as personal) | $7.50 | 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) | $34 | 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 | $10 | per item | None |
| Overdraft Continuous Overdraft Fee (audience not stated, treated as personal) | $7.50 | per day | None |
| Overdraft Protection (If you have signed up for this protection) (audience not stated, treated as personal) | $8 | per item | None |
Wire Transfers | |||
| Wire Transfer (Domestic Out) | $30 | Not stated | None |
| Wire Transfer (Domestic Out) | $60 | Not stated | None |
| Incoming Wires (domestic): A wire transfer that is deposited into your account from another bank via not going through t | $15 | Not stated | None |
| Wire Transfer (Int'l Out) | $50 | Not stated | None |
Check Services | |||
| Cashiers Check: A check guaranteed by the bank | $7 | per item | None |
| Personal Money Order | $7 | per item | None |
| Stop Payment | $40 | 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 charge | Not stated | None |
| Mobile Deposit | No charge | Not stated | None |
Cash & Deposit | |||
| Credit Card Cash Advance | No charge | Not stated | None |
| Deposited Checks Returned Unpaid | $7 | 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 | $75 | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $4 | 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 | $75 | Not stated | None |
| Statement Services | $10 | 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
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service fee on Elite Checking | $9.49 | per month | None |
| Minimum Balance | $12 | per month | None |
| Account Closing Fee: Fee charged if new account is closed within six months of being open | $35 | 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 | $10 | per item | None |
Wire Transfers | |||
| Wire Transfer (Domestic Out) | $30 | Not stated | None |
| Wire Transfer (Domestic Out) | $60 | Not stated | None |
| Incoming Wires (domestic): A wire transfer that is deposited into your account from another bank via not going through t | $15 | Not stated | None |
| Wire Transfer (Int'l Out) | $50 | Not stated | None |
Check Services | |||
| Cashiers Check: A check guaranteed by the bank | $7 | per item | None |
| Personal Money Order | $7 | per item | None |
| Stop Payment | $40 | 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 charge | Not stated | None |
| Mobile Deposit | No charge | Not stated | None |
Cash & Deposit | |||
| Credit Card Cash Advance | No charge | Not stated | None |
| Deposited Checks Returned Unpaid | $7 | 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 | $75 | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $4 | 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 | $75 | Not stated | None |
| Statement Services | $10 | 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.
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