Blue Grass Savings Bank

Headquarters: Blue Grass, Iowa
Charter: Bank
Assets: $225.5M
Fed district: Chicago
Regulator: FDIC
Holding company: E M F Corp.

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

Source: its fee schedule, read Oct 12, 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 Oct 12, 2026

How these figures are measured

Call-report figures are for Blue Grass Savings 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.	Blue Grass Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 12, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Blue Grass Savings 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 $59K in Q2 2026, 11% above the same quarter a year earlier ($53K).
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.

Monthly Maintenance
Now Account
Can be waived with a balance of $400 or more.
Blue Grass Savings Bank: $5
Blue Grass Savings Bank: $5
U.S. median: no median
Overdraft (OD)
Blue Grass Savings Bank: $28
Blue Grass Savings Bank: $28
U.S. median: no median
NSF / Returned Item
Blue Grass Savings Bank: $28
Blue Grass Savings Bank: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

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.

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).
Iowa: Banks and credit unions headquartered in Iowa 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 20% from Q3 2025 to Q2 2026, to $59K.

Service-charge income, Q2 2026

$59K

$49KQ3 2025

$42KQ4 2025

$33KQ1 2026

$59KQ2 2026

Against the median

Blue Grass Savings 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

Blue Grass Savings Bank · $225M 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.

Banks only
$217M to $235M in assets
Headquartered in 18 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
Blue Grass Savings Bank(this institution)	Blue Grass, IA	$225M	Publishes Monthly maintenance	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
Eagle Bank	Glenwood, MN	$227M	Publishes Monthly maintenance	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 of San Rafael	San Rafael, CA	$222M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank of Bedias	Bedias, TX	$225M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Texoma National Bank	Durant, OK	$225M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Foundation Bank	Mc Kenzie, TN	$218M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Franklin State Bank & Trust Company	Winnsboro, LA	$225M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
MCS Bank	Milroy, PA	$225M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Merchants State Bank	Freeman, SD	$220M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
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
Nevada Bank and Trust Company	Caliente, NV	$217M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Security Bank	Newbern, TN	$224M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	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 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 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 Seymour Bank	Seymour, MO	$225M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Triad Bank, National Association	Tulsa, OK	$229M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Uinta Bank	Mountain View, WY	$222M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank and Trust Company	Hampton, IA	$228M	Monthly maintenance not published	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 · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1 (17%) below the median of similar-sized banks.

Its published price is $5, against a peer median of $6 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Blue Grass Savings BankPeer (equal prices stack)Peer median

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.

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 Blue Grass Savings 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: $59K
vs prior quarter: +$26K+78.8%; from Q1 2026
vs a year earlier: +$6K+11.3%; from Q2 2025
vs start of range: +$4K+7.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Blue Grass Savings 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	$59K	+$26K	+78.8%
Q1 2026	$33K	−$9K	−21.4%
Q4 2025	$42K	−$7K	−14.3%
Q3 2025	$49K	−$4K	−7.5%
Q2 2025	$53K	+$12K	+29.3%
Q1 2025	$41K	−$7K	−14.6%
Q4 2024	$48K	−$7K	−12.7%
Q3 2024	$55K	$0	0.0%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Blue Grass Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$5
per month
Dormant Accounts (monthly after 6 months of dormancy)$1
per month
Account Balancing per Hour$12.50
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Charge (per item)$28
per item
Non Sufficient Funds Charge (per item)$28
per item

ATM & Card

Foreign ATM Transaction$2.50
Lost Debit Card$5

Wire Transfers

Wire Transfer - Domestic Outgoing$22
Wire Transfer - International Outgoing$75

Check Services

Cashiers Check$3
Money Order$1.50
Stop Payment Fee$20
Check Copies per Copy$3
per item

Account Services

Notary - Non-Customer$5
Lost Key$15
Not compared: Box drilling or key fee

Other Fees

Photocopies (per copy) . ($1.00 minimum)$0.25

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$5	per month	None
Dormant Accounts (monthly after 6 months of dormancy)	$1	per month	None
Account Balancing per Hour	$12.50Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Charge (per item)	$28	per item	None
Non Sufficient Funds Charge (per item)	$28	per item	None
ATM & Card
Foreign ATM Transaction	$2.50	Not stated	None
Lost Debit Card	$5	Not stated	None
Wire Transfers
Wire Transfer - Domestic Outgoing	$22	Not stated	None
Wire Transfer - International Outgoing	$75	Not stated	None
Check Services
Cashiers Check	$3	Not stated	None
Money Order	$1.50	Not stated	None
Stop Payment Fee	$20	Not stated	None
Check Copies per Copy	$3	per item	None
Account Services
Notary - Non-Customer	$5	Not stated	None
Lost Key	$15Not compared: Box drilling or key fee	Not stated	None
Other Fees
Photocopies (per copy) . ($1.00 minimum)	$0.25	Not stated	None

Correct a fee source

Oct 12, 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 Blue Grass Savings Bank operates, and what regulators and customers have on file.

Market position

In Davenport-Moline-Rock Island, IA-IL, Blue Grass Savings Bank holds 1.8% of bank deposits, #14 of 29, with 2 offices.

Compare fees with the 28 Davenport-Moline-Rock Island, IA-IL banks and credit unions in its home-metro peer set →

Offices in the metro

175 offices of 42 institutions shown.

Blue Grass Savings BankOther 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: Davenport-Moline-Rock Island, IA-IL metro (FDIC metro code 19340), 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: 6 offices have no coordinates on file

Share of bank deposits

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

1Quad City Bank and Trust Company22.7%
2Blackhawk Bank & Trust15.2%
3Wells Fargo Bank, National Association9.7%
4U.S. Bank National Association6.5%
5BankOrion5.5%
6CBI Bank & Trust4.1%
7TBK BANK, SSB3.9%
8Central Bank Illinois3.9%
14Blue Grass Savings Bank1.8%

9 of 29 institutions shown. $10.5B 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: Davenport-Moline-Rock Island, IA-IL metro (FDIC metro code 19340)
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: 1.8% share, 2 offices, #14 of 29

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: Davenport-Moline-Rock Island, IA-IL 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

54 offices of 13 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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