Community State Bank

Headquarters: Lamar, Colorado
Charter: Bank
Assets: $208.1M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 18, 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 18, 2026

How these figures are measured

Call-report figures are for Community 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.	Community State Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 18, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Community 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 $32K in Q2 2026, 8.6% 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.

Monthly Maintenance
Compared at $8.50, the middle of its prices
Community State Bank: $1 to $15
Community State Bank: $1 to $15
U.S. median: no median
Overdraft (OD)
Community State Bank: $30
Community State Bank: $30
U.S. median: no median
NSF / Returned Item
Community State Bank: $20
Community State Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City 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).
Colorado: Banks and credit unions headquartered in Colorado that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 16% from Q3 2025 to Q2 2026, to $32K.

Service-charge income, Q2 2026

$32K

$38KQ3 2025

$34KQ4 2025

$30KQ1 2026

$32KQ2 2026

Against the median

Community 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

Community State Bank · $208M 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
$201M to $214M 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
Community State Bank(this institution)	Lamar, CO	$208M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Aroostook County Federal Savings and Loan Association	Caribou, ME	$214M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Badger Bank	Fort Atkinson, WI	$206M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank 21	Carrollton, MO	$202M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Commerce	Chelsea, OK	$203M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Delight	Delight, AR	$201M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Calhoun County Bank, Inc.	Grantsville, WV	$212M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Carroll County Trust Company of Carrollton, Missouri	Carrollton, MO	$208M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Commonwealth Co-operative Bank	Hyde Park, MA	$205M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
ESB Bank	Caledonia, MN	$209M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers & Merchants Bank & Trust	Burlington, IA	$208M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Cahawba Bank	Selma, AL	$206M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First FSB of Mascoutah	Mascoutah, IL	$207M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Halstead Bank	Halstead, KS	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Horizon Financial Bank	Munich, ND	$201M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kendall Bank	Overland Park, KS	$211M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Minnstar Bank National Association	Lake Crystal, MN	$204M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Paper City Savings Bank, S.A.	Wisconsin Rapids, WI	$208M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
PeoplesTrust Bank	Hamilton, AL	$201M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southern Hills Community Bank	Leesburg, OH	$210M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First National Bank of Dryden	Dryden, NY	$204M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Groton	Groton, NY	$204M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Jefferson Bank	Greenville, MS	$211M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Lyon County State Bank	Emporia, KS	$212M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Portage County Bank	Almond, WI	$210M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Vidalia Federal Savings Bank	Vidalia, GA	$212M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2.51 (42%) above the median of similar-sized banks.

Compared at $8.50, the middle of its four prices, against a peer median of $5.99 among 16 publishing peers.

Its four checking prices are $1, $5, $12 and $15.

$8.50 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 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

Community State Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (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 Oct 26, 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 Community 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: $32K
vs prior quarter: +$2K+6.7%; from Q1 2026
vs a year earlier: −$3K−8.6%; from Q2 2025
vs start of range: −$6K−15.8%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Community 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	$32K	+$2K	+6.7%
Q1 2026	$30K	−$4K	−11.8%
Q4 2025	$34K	−$4K	−10.5%
Q3 2025	$38K	+$3K	+8.6%
Q2 2025	$35K	+$7K	+25.0%
Q1 2025	$28K	−$5K	−15.2%
Q4 2024	$33K	−$5K	−13.2%
Q3 2024	$38K	$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 Community State Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly service fee$5
per month
Monthly service fee$12
per month
Monthly service fee$1
per month
Monthly service fee$15
per month
Accounts closed within 6 mo$10
Dormant Account Fees - annual$5
Not compared: Annual charge, not monthly
per year
Balance Checkbook - hourly$20
Not compared: Charged per hour; comparison unavailable
per hour
Research - hourly$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee per Item$30
per item
Returned Item Fee$20
Continuous Overdraft$10
Continuous Overdraft Fee$15

Wire Transfers

Foreign Wire Transfers$20

Check Services

Bank Money Orders$2
Stop Payment - per item$25
per item
Counter Checks - 5 qty$1

Digital & Electronic

Mobile Deposit Per Item Fee$1
per item

Cash & Deposit

Night Deposit Service - per key$5
per item

Account Services

Safe Deposit Box 10 X 10$40
per year
Safe Deposit Box 3 X 10$20
per year
Safe Deposit Box 5 X 10$30
per year
Safe Deposit Boxes: 10 X 10 (audience not stated, treated as personal)$40
per year
Safe Deposit Boxes: 3 X 10 (audience not stated, treated as personal)$20
per year
Safe Deposit Boxes: 5 X 10 (audience not stated, treated as personal)$30
per year
Garnishments$25
Levy$25

Other Fees

Copy of Statement per stmt$1
Fax - per page$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee	$5	per month	None
Monthly service fee	$12	per month	None
Monthly service fee	$1	per month	None
Monthly service fee	$15	per month	None
Accounts closed within 6 mo	$10	Not stated	None
Dormant Account Fees - annual	$5Not compared: Annual charge, not monthly	per year	None
Balance Checkbook - hourly	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Research - hourly	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee per Item	$30	per item	None
Returned Item Fee	$20	Not stated	None
Continuous Overdraft	$10	Not stated	None
Continuous Overdraft Fee	$15	Not stated	None
Wire Transfers
Foreign Wire Transfers	$20	Not stated	None
Check Services
Bank Money Orders	$2	Not stated	None
Stop Payment - per item	$25	per item	None
Counter Checks - 5 qty	$1	Not stated	None
Digital & Electronic
Mobile Deposit Per Item Fee	$1	per item	None
Cash & Deposit
Night Deposit Service - per key	$5	per item	None
Account Services
Safe Deposit Box 10 X 10	$40	per year	None
Safe Deposit Box 3 X 10	$20	per year	None
Safe Deposit Box 5 X 10	$30	per year	None
Safe Deposit Boxes: 10 X 10 (audience not stated, treated as personal)	$40	per year	None
Safe Deposit Boxes: 3 X 10 (audience not stated, treated as personal)	$20	per year	None
Safe Deposit Boxes: 5 X 10 (audience not stated, treated as personal)	$30	per year	None
Garnishments	$25	Not stated	None
Levy	$25	Not stated	None
Other Fees
Copy of Statement per stmt	$1	Not stated	None
Fax - per page	$1	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

Correct a fee source

Oct 18, 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

Get an email when Community State Bank's early account closure changes in our data

We check once a day and send one email covering every change.