Bank of Deerfield

Headquarters: Deerfield, Wisconsin
Charter: Bank
Assets: $268.3M
Fed district: Chicago
Regulator: FDIC
Holding company: Deerfield Financial Corp.

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

Source: its fee schedule, read Nov 3, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 Nov 3, 2026

How these figures are measured

Call-report figures are for Bank of Deerfield 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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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.	Bank of Deerfield's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Bank of Deerfield (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $27K in Q2 2026, 23% below the same quarter a year earlier ($35K).
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.

Wire Transfer (Domestic Out)
Bank of Deerfield: $25
Bank of Deerfield: $25
U.S. median: no median
Stop Payment
Bank of Deerfield: $30
Bank of Deerfield: $30
U.S. median: no median
Wire Transfer (Int'l Out)
Bank of Deerfield: $60
Bank of Deerfield: $60
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Chicago 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).
Wisconsin: Banks and credit unions headquartered in Wisconsin that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 rose 59% from Q3 2025 to Q2 2026, to $27K.

Service-charge income, Q2 2026

$27K

$17KQ3 2025

$41KQ4 2025

$24KQ1 2026

$27KQ2 2026

Against the median

Bank of DeerfieldMedian

Sources and open questions

FDIC 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

Bank of Deerfield · $268M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$260M to $277M in assets
Headquartered in 19 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
Bank of Deerfield(this institution)	Deerfield, WI	$268M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Alliance Bank	Mondovi, WI	$266M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
American Bank & Trust Company	Opelousas, LA	$267M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Anahuac National Bank	Anahuac, TX	$266M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
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 Hindman	Hindman, KY	$260M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	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
Clackamas County Bank	Sandy, OR	$266M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
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
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 Bank of Manhattan	Manhattan, IL	$266M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Iowa State Savings Bank	Creston, IA	$277M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jim Thorpe Neighborhood Bank	Jim Thorpe, PA	$265M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
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
South Georgia Bank	Glennville, GA	$270M	Publishes Monthly maintenance	Publishes Out-of-network ATM	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 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
The First National Bank of Dennison	Dennison, OH	$267M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Wells River Savings Bank	Wells River, VT	$267M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	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.

Fee type

Peer pricing snapshot

Bank of Deerfield does not publish a monthly maintenance fee in the index.

The peer median is $5.50 among 15 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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Bank of Deerfield does not publish a monthly maintenance fee, so it is not on this chart.

Bank of DeerfieldPeer (equal prices stack)Peer medianInclude $19 outlierShown 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 Oct 31, 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 Bank of Deerfield (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: +$3K+12.5%; from Q1 2026
vs a year earlier: −$8K−22.9%; from Q2 2025
vs start of range: −$8K−22.9%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Bank of Deerfield (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$27K	+$3K	+12.5%
Q1 2026	$24K	−$17K	−41.5%
Q4 2025	$41K	+$24K	+141.2%
Q3 2025	$17K	−$18K	−51.4%
Q2 2025	$35K	+$3K	+9.4%
Q1 2025	$32K	−$2K	−5.9%
Q4 2024	$34K	−$1K	−2.9%
Q3 2024	$35K	+$10K	+40.0%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Bank of Deerfield’s own schedules, with a source for each figure.

Account Maintenance

Checkbook Reconciliation$35
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Protection Sweep$15
Not compared: Annual charge, not per item
per year

ATM & Card

Replacement ATM or Debit Card Fee$15

Wire Transfers

Wire Transfer - Outgoing Domestic$25
per item
Wire Transfer - Incoming$20
per item
Wire Transfer - Outgoing International$60
per item

Check Services

Cashiers Check$5
per item
Money Order$3
per item
Stop Payment Fee$30
per item

Account Services

Notary Public/Signature GuarantyNo charge
Drilling Fee$300
Not compared: Box drilling or key fee
per year
Safe Deposit Box annual fee 10 x 10 Box Rental (audience not stated, treated as personal)$75
per year
Safe Deposit Box annual fee 3 x 10 Box Rental (audience not stated, treated as personal)$30
per year
Safe Deposit Box annual fee 5 x 10 Box Rental (audience not stated, treated as personal)$45
per year
Safe Deposit Box Fees: 3 x 5 Box Rental$20
per year
Garnishment / Levy Fee$100

Lending Fees

Late Fee$10
Not compared: Annual charge, not per item
per year

Other Fees

Statement Copies$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Checkbook Reconciliation	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Protection Sweep	$15Not compared: Annual charge, not per item	per year	None
ATM & Card
Replacement ATM or Debit Card Fee	$15	Not stated	None
Wire Transfers
Wire Transfer - Outgoing Domestic	$25	per item	None
Wire Transfer - Incoming	$20	per item	None
Wire Transfer - Outgoing International	$60	per item	None
Check Services
Cashiers Check	$5	per item	None
Money Order	$3	per item	None
Stop Payment Fee	$30	per item	None
Account Services
Notary Public/Signature Guaranty	No charge	Not stated	None
Drilling Fee	$300Not compared: Box drilling or key fee	per year	None
Safe Deposit Box annual fee 10 x 10 Box Rental (audience not stated, treated as personal)	$75	per year	None
Safe Deposit Box annual fee 3 x 10 Box Rental (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box annual fee 5 x 10 Box Rental (audience not stated, treated as personal)	$45	per year	None
Safe Deposit Box Fees: 3 x 5 Box Rental	$20	per year	None
Garnishment / Levy Fee	$100	Not stated	None
Lending Fees
Late Fee	$10Not compared: Annual charge, not per item	per year	None
Other Fees
Statement Copies	$3	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Checkbook Reconciliation$35
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Protection Sweep$15
Not compared: Annual charge, not per item
per year

ATM & Card

Replacement ATM or Debit Card Fee$15

Wire Transfers

Wire Transfer - Outgoing Domestic$25
per item
Wire Transfer - Incoming$20
per item
Wire Transfer - Outgoing International$60
per item

Check Services

Cashiers Check$5
per item
Money Order$3
per item
Stop Payment Fee$30
per item

Cash & Deposit

Return Deposit Item Fee (Business Accounts Only)$5
per item

Account Services

Notary Public/Signature GuarantyNo charge
Drilling Fee$300
Not compared: Box drilling or key fee
per year
Safe Deposit Box Fees: 3 x 5 Box Rental$20
per year
Garnishment / Levy Fee$100

Lending Fees

Late Fee$10
Not compared: Annual charge, not per item
per year

Other Fees

Statement Copies$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Checkbook Reconciliation	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Protection Sweep	$15Not compared: Annual charge, not per item	per year	None
ATM & Card
Replacement ATM or Debit Card Fee	$15	Not stated	None
Wire Transfers
Wire Transfer - Outgoing Domestic	$25	per item	None
Wire Transfer - Incoming	$20	per item	None
Wire Transfer - Outgoing International	$60	per item	None
Check Services
Cashiers Check	$5	per item	None
Money Order	$3	per item	None
Stop Payment Fee	$30	per item	None
Cash & Deposit
Return Deposit Item Fee (Business Accounts Only)	$5	per item	None
Account Services
Notary Public/Signature Guaranty	No charge	Not stated	None
Drilling Fee	$300Not compared: Box drilling or key fee	per year	None
Safe Deposit Box Fees: 3 x 5 Box Rental	$20	per year	None
Garnishment / Levy Fee	$100	Not stated	None
Lending Fees
Late Fee	$10Not compared: Annual charge, not per item	per year	None
Other Fees
Statement Copies	$3	per item	None

Correct a fee source

Nov 3, 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 Bank of Deerfield operates, and what regulators and customers have on file.

Market position

In Madison, WI, Bank of Deerfield holds 0.8% of bank deposits, #27 of 41, with 2 offices.

Compare fees with the 36 Madison, WI banks and credit unions in its home-metro peer set →

Offices in the metro

245 offices of 60 institutions shown.

Bank of DeerfieldOther 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: Madison, WI metro (FDIC metro code 31540), 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: 4 offices have no coordinates on file

Share of bank deposits

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

1BMO Bank National Association11.5%
2Associated Bank, National Association10.4%
3First Business Bank9.5%
4Lake Ridge Bank8.6%
5U.S. Bank National Association6.9%
6John Deere Financial, f.s.b.5.2%
7One Community Bank4.9%
8JPMorgan Chase Bank, National Association4.2%
27Bank of Deerfield0.8%

9 of 41 institutions shown. $30.1B 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: Madison, WI metro (FDIC metro code 31540)
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: 0.8% share, 2 offices, #27 of 41

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: Madison, WI 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

78 offices of 19 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

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