Horizon Financial Bank

Headquarters: Munich, North Dakota
Charter: Bank
Assets: $201.0M
Fed district: Minneapolis
Regulator: FDIC
Holding company: Munich Bancshares Inc.

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

Source: its fee schedule, read Oct 10, 2026.

Overview

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 10, 2026

How these figures are measured

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	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.	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

Details

Source: FDIC BankFind Suite (call report data)
Entity: Horizon Financial Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Horizon Financial Bank: $30
Horizon Financial Bank: $30
U.S. median: no median
NSF / Returned Item
Horizon Financial Bank: $30
Horizon Financial Bank: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Horizon Financial Bank: $20
Horizon Financial Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

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.

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).
North Dakota: Banks and credit unions headquartered in North Dakota 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 rose 34% from Q3 2025 to Q2 2026, to $43K.

Service-charge income, Q2 2026

$43K

$32KQ3 2025

$43KQ4 2025

$37KQ1 2026

$43KQ2 2026

Against the median

Horizon Financial BankMedian

Sources and open questions

FDIC 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

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.

Banks only
$195M to $206M in assets
Headquartered in 16 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
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.

Fee type

Peer pricing snapshot

Horizon Financial Bank does not publish a monthly maintenance fee in the index.

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.

Horizon Financial BankPeer (equal prices stack)Peer median

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.

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 Horizon Financial 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: $43K
vs prior quarter: +$6K+16.2%; from Q1 2026
vs a year earlier: +$10K+30.3%; from Q2 2025
vs start of range: +$4K+10.3%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Horizon Financial Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

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%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Horizon Financial Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Closing (if account is closed within 3 months of opening)$30
Dormant Accounts: Laminating (per sheet)$1
per item
Account Research per hour ($12.50 minimum, Copies & Postage Extra)$25
Not compared: Charged per hour; comparison unavailable
per hour
Checkbook Reconciliation per hour ($12.50 minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee$30
Non-sufficient Funds Fee (per item, per occurrence)$30
per item
Continuous Overdraft Fee per business day (after 7 consecutive business days overdrawn)$5
per day

ATM & Card

ATM Card Replacements$10
Card Rush Orders$50

Wire Transfers

Money Wires In/Out: Domestic$20
Money Wires In/Out: International$75

Check Services

Cashier’s Checks$5
Money Orders$3
Stop Payment$30
Counter Checks (per sheet of 4)$1
per item
Check Cashing ($6.00 minimum, no maximum)$2
Enlarged Check Images (larger than 18 items per page, per statement, per month)$5
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Coin Counting/Exchange5%

Account Services

Notary Services$5
Notary ServicesNo charge
10” x 10” (annually)$100
per year
3” x 10” (annually)$30
per year
3” x 5” (annually)$15
per year
5” x 10” (annually)$50
per year
Drill Outs ( 3rd party charges additional)$25
Not compared: Box drilling or key fee
Extension Door Lost Key Fee (3rd party charges additional)$50
Not compared: Box drilling or key fee
Key Replacement/Duplicates$35
Not compared: Box drilling or key fee
Late Fee$10
Not compared: Box drilling or key fee
Levy/Garnishment (each)$25
per item

Other Fees

Duplicate Statements (per statement, per month)$5
Not compared: Monthly charge, not per item
per month
Photocopies: Color (per page)$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closing (if account is closed within 3 months of opening)	$30	Not stated	None
Dormant Accounts: Laminating (per sheet)	$1	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	$30	Not stated	None
Non-sufficient Funds Fee (per item, per occurrence)	$30	per item	None
Continuous Overdraft Fee per business day (after 7 consecutive business days overdrawn)	$5	per day	None
ATM & Card
ATM Card Replacements	$10	Not stated	None
Card Rush Orders	$50	Not stated	None
Wire Transfers
Money Wires In/Out: Domestic	$20	Not stated	None
Money Wires In/Out: International	$75	Not stated	None
Check Services
Cashier’s Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment	$30	Not stated	None
Counter Checks (per sheet of 4)	$1	per item	None
Check Cashing ($6.00 minimum, no maximum)	$2	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	$5	Not stated	None
Notary Services	No charge	Not stated	None
10” x 10” (annually)	$100	per year	None
3” x 10” (annually)	$30	per year	None
3” x 5” (annually)	$15	per year	None
5” x 10” (annually)	$50	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)	$25	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)	$1	per item	None

Correct a fee source

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.

Branches and public record

Where Horizon Financial 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

Get an email when Horizon Financial Bank's monthly maintenance changes in our data

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