Compared with North Dakota
6 of 16
compared fees are above the median.
5 below, 5 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
53rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the North Dakota median
of 16 compared; 5 below, 5 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for Horizon Financial 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 North Dakota median | Published fees above the North Dakota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Horizon Financial Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.2% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (53rd 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 $43K in Q2 2026, 30% above the same quarter a year earlier ($33K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 16 compared published fees sit above the North Dakota median; 5 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 North Dakota medians for fees published by banks and credit unions.
Wire Transfer (Int'l Out)
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 34% from Q3 2025 to Q2 2026, to $43K. Its share of revenue, 2.2%, is above the 2.1% median for banks with under $300M in assets.
$43K
Horizon Financial 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.
Horizon Financial Bank · $201M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Horizon Financial Bank(this institution) | Munich, ND | $201M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Chelsea Savings Bank | Belle Plaine, IA | $197M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| 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 |
| Elkton Bank & Trust Company | Elkton, KY | $199M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Fidelity Bank | Savanna, IL | $199M | Monthly maintenance not published | Out-of-network ATM not published | 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 |
| Frederick Community Bank, The | Paxton, IL | $196M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Gouverneur Savings and Loan Association | Gouverneur, NY | $199M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Halstead Bank | Halstead, KS | $206M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Lineage Bank | Franklin, TN | $198M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lyons Federal Bank | Lyons, KS | $198M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Mount Vernon Bank and Trust Company | Mount Vernon, IA | $195M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Haven Bank | New Haven, CT | $200M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Oklahoma Capital Bank | Tulsa, OK | $196M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Simmesport State Bank | Simmesport, LA | $198M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| State Bank & Trust Co. | Nevada, IA | $198M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Absecon | Absecon, NJ | $195M | 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 SEILING STATE BANK | Seiling, OK | $195M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 13 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 Oct 22, 2026.
Monthly maintenance fee in dollars, one mark per institution
Horizon Financial Bank 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 Oct 22, 2026. Total assets from FDIC and NCUA records.
Call reports for Horizon Financial 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 | $43K | +$6K | +16.2% |
| Q1 2026 | $37K | −$6K | −14.0% |
| Q4 2025 | $43K | +$11K | +34.4% |
| Q3 2025 | $32K | −$1K | −3.0% |
| Q2 2025 | $33K | −$3K | −8.3% |
| Q1 2025 | $36K | −$5K | −12.2% |
| Q4 2024 | $41K | +$2K | +5.1% |
| Q3 2024 | $39K | +$10K | +34.5% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Horizon Financial Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Horizon Financial Bank by share.
Amounts from Horizon Financial Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per hour
per hour
per item
per day
per item
per month
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closing (if account is closed within 3 months of opening) | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Accounts: Laminating (per sheet) | $1Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Account Research per hour ($12.50 minimum, Copies & Postage Extra) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Checkbook Reconciliation per hour ($12.50 minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-sufficient Funds Fee (per item, per occurrence) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Continuous Overdraft Fee per business day (after 7 consecutive business days overdrawn) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| ATM Card Replacements | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card Rush Orders | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Money Wires In/Out: Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Money Wires In/Out: International | $75Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks (per sheet of 4) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing ($6.00 minimum, no maximum) | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Enlarged Check Images (larger than 18 items per page, per statement, per month) | $5Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Coin Counting/Exchange | 5% | Not stated | None |
Account Services | |||
| Notary Services | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Services | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 10” x 10” (annually) | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3” x 10” (annually) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3” x 5” (annually) | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5” x 10” (annually) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Drill Outs ( 3rd party charges additional) | $25Not compared: Box drilling or key fee | Not stated | None |
| Extension Door Lost Key Fee (3rd party charges additional) | $50Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement/Duplicates | $35Not compared: Box drilling or key fee | Not stated | None |
| Late Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Levy/Garnishment (each) | $25Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Duplicate Statements (per statement, per month) | $5Not compared: Monthly charge, not per item | per month | None |
| Photocopies: Color (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 10, 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 Horizon Financial Bank operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $178.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $142.1M |
| 1 | $36.4M |
Bismarck, ND
0.5% of bank deposits, #16 of 18, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Starion Bank | 18.6% |
| Dakota Community Bank & Trust, National Association | 10.7% |
| Gate City Bank | 10.1% |
| Bravera Bank | 8.6% |
| Wells Fargo Bank, National Association | 8.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Bismarck, ND, Horizon Financial Bank holds 0.5% of bank deposits, #16 of 18, with 1 office.
71 offices of 24 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 18 institutions shown. $6.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2015 to 2026
June 2026: 0.5% share, 1 office, #16 of 18
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2015 to 2026.
Credit unions, reported separately
17 offices of 6 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.