Citizens State Bank

Headquarters: Cadott, Wisconsin
Charter: Bank
Assets: $237.6M
Fed district: Minneapolis
Regulator: FDIC
Holding company: Citizens Bancorp Inc.

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
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 Nov 3, 2026

How these figures are measured

Call-report figures are for Citizens 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) 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.	Citizens State Bank'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: FFIEC call report (bulk data)
Entity: Citizens State Bank (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 $58K in Q2 2026, 6.5% below the same quarter a year earlier ($62K).
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)
Citizens State Bank: $35
Citizens State Bank: $35
U.S. median: no median
NSF / Returned Item
Citizens State Bank: $35
Citizens State Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Citizens State Bank: $20
Citizens State Bank: $20
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 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).
Wisconsin: Banks and credit unions headquartered in Wisconsin 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 7.9% from Q3 2025 to Q2 2026, to $58K.

Service-charge income, Q2 2026

$58K

$63KQ3 2025

$60KQ4 2025

$60KQ1 2026

$58KQ2 2026

Against the median

Citizens State BankMedian

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

Citizens State Bank · $238M 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
$229M to $246M 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
Citizens State Bank(this institution)	Cadott, WI	$238M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Adams County Bank	Kenesaw, NE	$241M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Columbia	Columbia, KY	$231M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
BANKWEST	Rockford, MN	$240M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank & Trust Company	Saint Paul, NE	$242M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Progressive Bank	Winnsboro, LA	$243M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Farmers & Merchants State Bank	Waterloo, WI	$246M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank and Trust Company of Illinois	Palatine, IL	$229M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Savings and Loan Association	Delta, OH	$246M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FirstOak Bank	Independence, KS	$241M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gateway Commercial Bank	Mesa, AZ	$231M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Homeland Community Bank	McMinnville, TN	$244M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Metropolitan Bank	Oakland, CA	$230M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Mi Bank	Bloomfield Township, MI	$245M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Nebraska Bank of Commerce	Lincoln, NE	$241M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Security State Bank of Marine	Marine On St. Croix, MN	$233M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Anna -Jonesboro National Bank	Anna, IL	$234M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
The Citizens Bank	Enterprise, AL	$233M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Commercial Bank of Grayson	Grayson, KY	$242M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First National Bank and Trust	Atmore, AL	$239M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Izard County	Calico Rock, AR	$235M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Sterling City	Sterling City, TX	$240M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Waynesboro	Waynesboro, GA	$229M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Idabel National Bank	Idabel, OK	$242M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Warren-Boynton State Bank	New Berlin, IL	$235M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
West Central Bank	Ashland, IL	$232M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ 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.

Fee type

Peer pricing snapshot

Citizens State Bank does not publish a monthly maintenance fee in the index.

The peer median is $5.98 among 14 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 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Citizens State BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 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 Citizens State Bank (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: $58K
vs prior quarter: −$2K−3.3%; from Q1 2026
vs a year earlier: −$4K−6.5%; from Q2 2025
vs start of range: +$11K+23.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Citizens State Bank (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	$58K	−$2K	−3.3%
Q1 2026	$60K	$0	0.0%
Q4 2025	$60K	−$3K	−4.8%
Q3 2025	$63K	+$1K	+1.6%
Q2 2025	$62K	+$4K	+6.9%
Q1 2025	$58K	+$18K	+45.0%
Q4 2024	$40K	−$7K	−14.9%
Q3 2024	$47K	+$5K	+11.9%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Citizens State Bank’s own schedules, with a source for each figure.

Account Maintenance

Inactive Account (Excludes Young Citizens Savings Account)$3
Account Research Per Hour$60
Not compared: Charged per hour; comparison unavailable
per hour
Statement Fee per monthly Paper Statement$2
per month

Overdraft & NSF

Paid NSF Item Fee$35
Returned NSF Fee$35
Overdraft Transfer Fee$6

Wire Transfers

Wire Transfer Fee- [Domestic]$20

Check Services

Cashier's Check$2.50

Cash & Deposit

Returned Item Fee$15

Account Services

Safe Deposit Box 10"x10"$75
Safe Deposit Box 2"x5"$25
Safe Deposit Box 3"x10"$40
Safe Deposit Box 4"x10"$50
Safe Deposit Box 4"x5"$30
Safe Deposit Box 5"x10"$60
Safe Deposit Box 5"x5"$35
Safe Deposit Box Drilling & Re-Keying$250
Not compared: Box drilling or key fee
Safe Deposit Box Replacement Key$25
Not compared: Box drilling or key fee
Garnishment$100
Levy$100

Other Fees

Copy of Previous Statement$2

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account (Excludes Young Citizens Savings Account)	$3	Not stated	None
Account Research Per Hour	$60Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Fee per monthly Paper Statement	$2	per month	None
Overdraft & NSF
Paid NSF Item Fee	$35	Not stated	None
Returned NSF Fee	$35	Not stated	None
Overdraft Transfer Fee	$6	Not stated	None
Wire Transfers
Wire Transfer Fee- [Domestic]	$20	Not stated	None
Check Services
Cashier's Check	$2.50	Not stated	None
Cash & Deposit
Returned Item Fee	$15	Not stated	None
Account Services
Safe Deposit Box 10"x10"	$75	Not stated	None
Safe Deposit Box 2"x5"	$25	Not stated	None
Safe Deposit Box 3"x10"	$40	Not stated	None
Safe Deposit Box 4"x10"	$50	Not stated	None
Safe Deposit Box 4"x5"	$30	Not stated	None
Safe Deposit Box 5"x10"	$60	Not stated	None
Safe Deposit Box 5"x5"	$35	Not stated	None
Safe Deposit Box Drilling & Re-Keying	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Replacement Key	$25Not compared: Box drilling or key fee	Not stated	None
Garnishment	$100	Not stated	None
Levy	$100	Not stated	None
Other Fees
Copy of Previous Statement	$2	Not stated	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 Citizens State Bank operates, and what regulators and customers have on file.

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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