16 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 8, 2026.
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 Oct 8, 2026
Call-report figures are for United Bank and Trust Company 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. | United Bank and Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Oct 8, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $54K in Q2 2026, 6.9% below the same quarter a year earlier ($58K).
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.
Non-Network ATM
Wire Transfer (Domestic Out)
Stop Payment
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 13% from Q3 2025 to Q2 2026, to $54K.
$54K
United Bank and Trust CompanyMedian
FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
United Bank and Trust Company · $228M 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 |
|---|---|---|---|---|---|---|---|
| United Bank and Trust Company(this institution) | Hampton, IA | $228M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| Blue Grass Savings Bank | Blue Grass, IA | $225M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens State Bank | Cadott, WI | $238M | 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 |
| 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 |
| 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 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 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 |
| 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.
Peer pricing snapshot
The peer median is $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
United Bank and Trust Company does not publish a monthly maintenance fee, so it is not on this chart.
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 United Bank and Trust Company (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 | $54K | $0 | 0.0% |
| Q1 2026 | $54K | −$13K | −19.4% |
| Q4 2025 | $67K | +$5K | +8.1% |
| Q3 2025 | $62K | +$4K | +6.9% |
| Q2 2025 | $58K | +$4K | +7.4% |
| Q1 2025 | $54K | −$4K | −6.9% |
| Q4 2024 | $58K | +$1K | +1.8% |
| Q3 2024 | $57K | +$6K | +11.8% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from United Bank and Trust Company’s own schedules, with a source for each figure.
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed Account Fee (closed within 90 days of opening) | $5 | Not stated | None |
| Dormant Checking Account Fee (>365 days) – monthly | $6 | per month | None |
| Account Research/Balancing | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Protection Transfer | $5 | per item | None |
ATM & Card | |||
| ATM Foreign Transaction Fee (ATM not owned by UBTC) | $2 | Not stated | None |
| ATM (annual) & Replacement Fee per Card | $15Not compared: Annual charge, not per item | per year | None |
| SHAZAMChek Debit (annual) & Replacement Fee per Card | $15Not compared: Annual charge, not per item | per year | None |
Wire Transfers | |||
| Wire Transfer (Domestic Outgoing) | $30 | Not stated | None |
| Wire Transfer (Incoming) | $15 | Not stated | None |
| Wire Transfer (International Outgoing) | $30 | Not stated | None |
Check Services | |||
| Cashiers Check | $5 | Not stated | None |
| Personal Money Order | $5 | Not stated | None |
| Stop Payment Renewal | $25 | Not stated | None |
| Stop Payment Request | $25 | Not stated | None |
Digital & Electronic | |||
| BillPay option | $5 | per month | None |
| Mobile Check Deposit – per item | $0.50 | per item | None |
Account Services | |||
| Garnishment | $50 | Not stated | None |
Retirement & IRA | |||
| IRA Annual & IRA Transfer/Rollover Fee | $30 | per year | None |
Gift & Prepaid Cards | |||
| Travel Card Reload | $4.95 | Not stated | None |
Other Fees | |||
| Photocopies (first copy free) | $0.25 | Not stated | None |
per item
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed Account Fee (closed within 90 days of opening) | $5 | Not stated | None |
| Dormant Checking Account Fee (>365 days) – monthly | $6 | per month | None |
| Account Research/Balancing | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Protection Transfer | $5 | per item | None |
ATM & Card | |||
| ATM Foreign Transaction Fee (ATM not owned by UBTC) | $2 | Not stated | None |
| ATM (annual) & Replacement Fee per Card | $15Not compared: Annual charge, not per item | per year | None |
| SHAZAMChek Debit (annual) & Replacement Fee per Card | $15Not compared: Annual charge, not per item | per year | None |
Wire Transfers | |||
| Wire Transfer (Domestic Outgoing) | $30 | Not stated | None |
| Wire Transfer (Incoming) | $15 | Not stated | None |
| Wire Transfer (International Outgoing) | $30 | Not stated | None |
Check Services | |||
| Cashiers Check | $5 | Not stated | None |
| Personal Money Order | $5 | Not stated | None |
| Stop Payment Renewal | $25 | Not stated | None |
| Stop Payment Request | $25 | Not stated | None |
Digital & Electronic | |||
| BillPay option | $5 | per month | None |
| Mobile Check Deposit – per item | $0.50 | per item | None |
Cash & Deposit | |||
| Returned Deposit Item – per item (commercial only) | $3 | per item | None |
Account Services | |||
| Garnishment | $50 | Not stated | None |
Retirement & IRA | |||
| IRA Annual & IRA Transfer/Rollover Fee | $30 | per year | None |
Gift & Prepaid Cards | |||
| Travel Card Reload | $4.95 | Not stated | None |
Other Fees | |||
| Photocopies (first copy free) | $0.25 | Not stated | None |
Oct 8, 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.
Fee change alerts
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