Compared with Nebraska
1 of 4
compared fees are above the median.
2 below, 1 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
37th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Nebraska median
of 4 compared; 2 below, 1 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Commercial State 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 Nebraska median | Published fees above the Nebraska median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Commercial State Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.6% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (37th 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 $42K in Q2 2026, 17% above the same quarter a year earlier ($36K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
1 of 4 compared published fees sit above the Nebraska 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 Nebraska medians for fees published by banks and credit unions.
Monthly Maintenance
NOW Account $2 · Regular Checking Account $3 · EZ Checking Account $7 · Arch Club Account $10
Compared at $5, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Nebraska, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 5.0% from Q3 2025 to Q2 2026, to $42K. Its share of revenue, 1.6%, is below the 2.1% median for banks with under $300M in assets.
$42K
Commercial State 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 to $10; we compare the midpoint.
Commercial State Bank · $264M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Commercial State Bank(this institution) | Wausa, NE | $264M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| 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 |
| 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 Deerfield | Deerfield, WI | $268M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Cendera Bank | Bells, TX | $258M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| Riverside Bank of Dublin | Dublin, OH | $269M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 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 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 |
| 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 · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5, the middle of its four prices, against a peer median of $5.50 among 14 publishing peers.
Its four checking prices are $2, $3, $7 and $10.
$5 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 Oct 30, 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 Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Commercial State 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 | $42K | $0 | 0.0% |
| Q1 2026 | $42K | −$3K | −6.7% |
| Q4 2025 | $45K | +$5K | +12.5% |
| Q3 2025 | $40K | +$4K | +11.1% |
| Q2 2025 | $36K | $0 | 0.0% |
| Q1 2025 | $36K | −$6K | −14.3% |
| Q4 2024 | $42K | $0 | 0.0% |
| Q3 2024 | $42K | +$8K | +23.5% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Commercial State Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Commercial State Bank by share.
Amounts from Commercial State 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 month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| EZ Checking Account Monthly maintenance fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance charge per account | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance charge per account | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Paper Statement | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft charge per check/item | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned check charge per check/item | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
Oct 16, 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 Commercial State Bank operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $237.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $168.4M |
| 1 | $68.9M |
Omaha, NE-IA
0.2% of bank deposits, #54 of 77, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| First National Bank of Omaha | 35.3% |
| Wells Fargo Bank, National Association | 7.8% |
| Associated Bank, National Association | 7.7% |
| U.S. Bank National Association | 7.3% |
| Pinnacle Bank | 6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Omaha, NE-IA, Commercial State Bank holds 0.2% of bank deposits, #54 of 77, with 1 office.
409 offices of 109 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 77 institutions shown. $42.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2014 to 2026
June 2026: 0.2% share, 1 office, #54 of 77
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2014 to 2026.
Credit unions, reported separately
100 offices of 34 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 1, 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.