Compared with Nebraska
5 of 7
compared fees are above the median.
2 below, 0 about the same.
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
61st percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Nebraska median
of 7 compared; 2 below, 0 about the same
See the feesFee schedule read Oct 27, 2026
Call-report figures are for Western Nebraska 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 Nebraska median | Published fees above the Nebraska median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Western Nebraska Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 27, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.6% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (61st 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 $61K in Q2 2026, about level with the same quarter a year earlier ($61K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
5 of 7 compared published fees sit above the Nebraska median; 2 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 Nebraska medians for fees published by banks and credit unions.
Monthly Maintenance
Now Checking Account
Cashier's Check
Paper Statement
Each amount links to the fee schedule it was read from. Medians for Nebraska, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 7.6% from Q3 2025 to Q2 2026, to $61K. Its share of revenue, 2.6%, is above the 2.1% median for banks with under $300M in assets.
$61K
Western Nebraska 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.
Western Nebraska Bank · $193M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 13 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Western Nebraska Bank(this institution) | Curtis, NE | $193M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BankPacific, Ltd | Hagatna, GU | $192M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bristol Morgan Bank | Oakfield, WI | $191M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Citizens Federal Savings Bank | Leavenworth, KS | $190M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Farmers Trust & Savings Bank | Williamsburg, IA | $192M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings and Loan Association of Bath | Bath, ME | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Independence Bank | Independence, OH | $191M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| 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 |
| 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 |
| Peoples Savings Bank | Wellsburg, IA | $189M | Publishes Monthly maintenance | 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 First State Bank of Malta | Malta, MT | $190M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Peoples Savings Bank | Urbana, OH | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | 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 |
| 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 · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its three prices, against a peer median of $5 among 16 publishing peers.
Its three checking prices are $10, $10 and $10.
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
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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Western Nebraska 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 | $61K | $0 | 0.0% |
| Q1 2026 | $61K | $0 | 0.0% |
| Q4 2025 | $61K | −$5K | −7.6% |
| Q3 2025 | $66K | +$5K | +8.2% |
| Q2 2025 | $61K | +$3K | +5.2% |
| Q1 2025 | $58K | −$5K | −7.9% |
| Q4 2024 | $63K | +$5K | +8.6% |
| Q3 2024 | $58K | +$2K | +3.6% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Western Nebraska Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Western Nebraska Bank by share.
Amounts from Western Nebraska Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per month
per month
per month
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Now Checking Account Monthly service charge (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Now Checking Account Service charge (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Fee per hour | $40Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement (audience not stated, treated as personal) | $6Above the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
ATM & Card | |||
| ATM/Debit Card re-issue Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ATM/Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Card Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Bank Cashier's Checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay Inactivity Fee (Monthly after 3 consecutive months of inactivity) | $10Above the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Online Bill-Pay-Per Month | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Mobile Check Deposit - 1 -10 Mobile Check Deposits per month | No chargeNot compared: Monthly charge, not per item | per month | None |
| Mobile Check Deposit > 10 Mobile Check Deposits per month | $0.50Above the U.S. middle 50% ($0 to $0 nationally) | per item | None |
Cash & Deposit | |||
| Charge Back Fee | No chargeBelow the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishment /Levy Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | 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
Oct 27, 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 Western Nebraska Bank operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $163.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $163.7M |
Largest competitors nearby
Local market: Lincoln, Frontier and Thomas counties, NE, where it holds the most deposits.
| 17 in its local market | Deposit share |
|---|---|
| Nebraskaland Bank | 26.6% |
| First National Bank of Omaha | 17% |
| Equitable Bank | 8.7% |
| Adams Bank & Trust | 6% |
| Wells Fargo Bank, National Association | 5.9% |
This bank holds 8.1% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
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.