Compared with Iowa
4 of 11
compared fees are above the median.
5 below, 2 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
20th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Iowa median
of 11 compared; 5 below, 2 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Citizens 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) 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 Iowa median | Published fees above the Iowa median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Citizens State Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.0% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (20th 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 $18K in Q2 2026, 22% below the same quarter a year earlier ($23K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 11 compared published fees sit above the Iowa 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 Iowa medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Can be waived with an average daily balance of $1,000 or more.
Overdraft (OD)
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.
Service-charge income fell 22% from Q3 2025 to Q2 2026, to $18K. Its share of revenue, 1.0%, is below the 2.1% median for banks with under $300M in assets.
$18K
Citizens State 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.
Citizens State Bank · $195M 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 |
|---|---|---|---|---|---|---|---|
| Citizens State Bank(this institution) | Sheldon, IA | $195M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| 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 |
| Farmers Trust & Savings Bank | Williamsburg, IA | $192M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $6, against a peer median of $5.50 among 14 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
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 Citizens State 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 | $18K | −$2K | −10.0% |
| Q1 2026 | $20K | −$4K | −16.7% |
| Q4 2025 | $24K | +$1K | +4.3% |
| Q3 2025 | $23K | $0 | 0.0% |
| Q2 2025 | $23K | +$2K | +9.5% |
| Q1 2025 | $21K | +$2K | +10.5% |
| Q4 2024 | $19K | +$3K | +18.8% |
| Q3 2024 | $16K | +$1K | +6.7% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Citizens State Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Citizens State Bank by share.
Amounts from Citizens State Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per page
per item
per item
per day
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Service Charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Domestic Faxes | $1Not compared: Charged per page; comparison unavailable | per page | None |
Overdraft & NSF | |||
| Overdraft (each debit or check paid) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Nonsufficient Funds (NSF) / Return item (each) | $5Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Nonsufficient Funds (NSF) / Return Daily Maximum | $150Inside the U.S. middle 50% ($100 to $163.75 nationally) | per day | None |
ATM & Card | |||
| SHAZAMChek Replacement Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Bank Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Personal Money Orders | $2.50Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payments (all items) | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Items | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check copy fee | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Checks (and other items) returned unpaid | $1Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Cards | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Nov 2, 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 Citizens State Bank operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $166.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $166.1M |
Largest competitors nearby
Local market: O'Brien and Sioux counties, IA, where it holds the most deposits.
| 13 in its local market | Deposit share |
|---|---|
| American State Bank | 28.1% |
| Peoples Bank | 19.2% |
| Iowa State Bank | 15% |
| Premier Bank | 8% |
| Security State Bank | 6.7% |
This bank holds 4.2% 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.