Chelsea Savings Bank

Headquarters: Belle Plaine, Iowa
Charter: Bank
Assets: $196.9M
Fed district: Chicago
Regulator: FDIC
Holding company: Chebelle Corp.

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

Source: its fee schedule, read Oct 17, 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 17, 2026

How these figures are measured

Call-report figures are for Chelsea 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	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.	Chelsea Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 17, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Chelsea Savings 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 $52K in Q2 2026, about level with the same quarter a year earlier ($52K).
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.

Non-Network ATM
Chelsea Savings Bank: $1.50
Chelsea Savings Bank: $1.50
U.S. median: no median
Stop Payment
Chelsea Savings Bank: $30
Chelsea Savings Bank: $30
U.S. median: no median
Wire Transfer (Int'l Out)
Chelsea Savings Bank: $60
Chelsea Savings Bank: $60
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 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 2.0% from Q3 2025 to Q2 2026, to $52K.

Service-charge income, Q2 2026

$52K

$51KQ3 2025

$52KQ4 2025

$47KQ1 2026

$52KQ2 2026

Against the median

Chelsea Savings 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

Chelsea Savings Bank · $197M 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
$193M to $201M 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
Chelsea Savings Bank(this institution)	Belle Plaine, IA	$197M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	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
Citizens State Bank	Sheldon, IA	$195M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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 Federal Savings Bank of Champaign Urbana	Champaign, IL	$193M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
Horizon Financial Bank	Munich, ND	$201M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Liberty Bank	Liberty, IL	$194M	Monthly maintenance not published	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
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
Northern Interstate Bank, N. A.	Norway, MI	$194M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
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 Cincinnatus Savings & Loan Co.	Cincinnati, OH	$193M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Farmers State Bank	Quinton, OK	$194M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
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 SEILING STATE BANK	Seiling, OK	$195M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Walden Mutual Bank	Concord, NH	$193M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Western Nebraska Bank	Curtis, NE	$193M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wrentham Co-operative Bank	Wrentham, MA	$193M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Chelsea Savings Bank does not publish a monthly maintenance fee in the index.

The peer median is $5.25 among 12 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

Chelsea Savings Bank does not publish a monthly maintenance fee, so it is not on this chart.

Chelsea Savings BankPeer (equal prices stack)Peer median

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 Chelsea 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: $52K
vs prior quarter: +$5K+10.6%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: −$7K−11.9%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Chelsea Savings 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	$52K	+$5K	+10.6%
Q1 2026	$47K	−$5K	−9.6%
Q4 2025	$52K	+$1K	+2.0%
Q3 2025	$51K	−$1K	−1.9%
Q2 2025	$52K	+$2K	+4.0%
Q1 2025	$50K	−$6K	−10.7%
Q4 2024	$56K	−$3K	−5.1%
Q3 2024	$59K	+$2K	+3.5%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Dormant Account Fee -applies monthly to accounts with 1yr of no activity$5
per month
Account research or Account balancing, per hour$30
Not compared: Charged per hour; comparison unavailable
per hour

ATM & Card

ATM/DEBIT card cash withdrawal at ATM's we do not own or operate, each$1.50
per item
Replace lost or damaged ATM/DEBIT card$10
per item
Rush order for ATM/DEBIT card$5
per item
Special Rush Order for ATM/DEBIT card (Two Day)$80

Wire Transfers

Wire - International$60
per item

Check Services

Personal money orders or Cashiers' Checks$5
per item
Stop payments - all items$30
per item
Counter checks$1
per item

Digital & Electronic

Online Bill Pay - Overnighted Check$14.95
Online Bill Pay - Same Day Bill Pay$9.95

Cash & Deposit

Cash Advance$10
Deposited checks (and other items) returned unpaid, per check or item$5
per item

Account Services

Drill Entry (loss on one or both keys may result in drilling the lock)$185
Not compared: Box drilling or key fee
Safe Deposit Box 10X10$55
Safe Deposit Box size 3X10$25
Safe Deposit Box size 3X5$10
Safe Deposit Box size 5X10$30
Garnishments, Executions, Levies$50
per item

Other Fees

Additional statements$5
per item
Faxes - Local, per page$2.50
per item
Faxes - Long Distance, per page$5
per item
Photocopies per page$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee -applies monthly to accounts with 1yr of no activity	$5	per month	None
Account research or Account balancing, per hour	$30Not compared: Charged per hour; comparison unavailable	per hour	None
ATM & Card
ATM/DEBIT card cash withdrawal at ATM's we do not own or operate, each	$1.50	per item	None
Replace lost or damaged ATM/DEBIT card	$10	per item	None
Rush order for ATM/DEBIT card	$5	per item	None
Special Rush Order for ATM/DEBIT card (Two Day)	$80	Not stated	None
Wire Transfers
Wire - International	$60	per item	None
Check Services
Personal money orders or Cashiers' Checks	$5	per item	None
Stop payments - all items	$30	per item	None
Counter checks	$1	per item	None
Digital & Electronic
Online Bill Pay - Overnighted Check	$14.95	Not stated	None
Online Bill Pay - Same Day Bill Pay	$9.95	Not stated	None
Cash & Deposit
Cash Advance	$10	Not stated	None
Deposited checks (and other items) returned unpaid, per check or item	$5	per item	None
Account Services
Drill Entry (loss on one or both keys may result in drilling the lock)	$185Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10X10	$55	Not stated	None
Safe Deposit Box size 3X10	$25	Not stated	None
Safe Deposit Box size 3X5	$10	Not stated	None
Safe Deposit Box size 5X10	$30	Not stated	None
Garnishments, Executions, Levies	$50	per item	None
Other Fees
Additional statements	$5	per item	None
Faxes - Local, per page	$2.50	per item	None
Faxes - Long Distance, per page	$5	per item	None
Photocopies per page	$1	per item	None

Correct a fee source

Oct 17, 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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