Northern Interstate Bank, N. A.

Headquarters: Norway, Michigan
Charter: Bank
Assets: $193.5M
Fed district: Minneapolis
Regulator: OCC
Holding company: Northern Interstate Financial Inc.

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

Source: its fee schedule, read Nov 1, 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 Nov 1, 2026

How these figures are measured

Call-report figures are for Northern Interstate Bank, N. A. 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.	Northern Interstate Bank, N. A.'s published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Northern Interstate Bank, N. A. (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 $24K in Q2 2026, 9.1% above the same quarter a year earlier ($22K).
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)
Northern Interstate Bank, N. A.: $30
Northern Interstate Bank, N. A.: $30
U.S. median: no median
NSF / Returned Item
Northern Interstate Bank, N. A.: $30
Northern Interstate Bank, N. A.: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $37.50, the middle of its prices
Northern Interstate Bank, N. A.: $25 to $50
Northern Interstate Bank, N. A.: $25 to $50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, 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).
Michigan: Banks and credit unions headquartered in Michigan 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 was about level from Q3 2025 to Q2 2026, at $24K.

Service-charge income, Q2 2026

$24K

$24KQ3 2025

$23KQ4 2025

$22KQ1 2026

$24KQ2 2026

Against the median

Northern Interstate Bank, N. A.Median

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

Northern Interstate Bank, N. A. · $194M 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.

Banks only
$189M to $198M in assets
Headquartered in 13 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
Northern Interstate Bank, N. A.(this institution)	Norway, MI	$194M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	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
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 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
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
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
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 · 16 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Northern Interstate Bank, N. A. does not publish a monthly maintenance fee in the index.

The peer median is $5.50 among 16 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

Northern Interstate Bank, N. A. does not publish a monthly maintenance fee, so it is not on this chart.

Northern Interstate Bank,…Peer (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 Northern Interstate Bank, N. A. (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: $24K
vs prior quarter: +$2K+9.1%; from Q1 2026
vs a year earlier: +$2K+9.1%; from Q2 2025
vs start of range: +$2K+9.1%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Northern Interstate Bank, N. A. (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	$24K	+$2K	+9.1%
Q1 2026	$22K	−$1K	−4.3%
Q4 2025	$23K	−$1K	−4.2%
Q3 2025	$24K	+$2K	+9.1%
Q2 2025	$22K	+$1K	+4.8%
Q1 2025	$21K	+$1K	+5.0%
Q4 2024	$20K	−$2K	−9.1%
Q3 2024	$22K	+$3K	+15.8%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Northern Interstate Bank, N. A.’s own schedules, with a source for each figure.

Account Maintenance

Acct closed within 90 days of opening$25
Dormant Account Fee$2
per month
Escheat Fee$50
Account Balancing Assistance$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Balancing Assistance $20.00 per hour
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
ATM/Debit Card Chargeback$15
Returned Statement Fee$5

Overdraft & NSF

Overdraft Fee$30
per item
NSF Fee$30
per item
Continuous OD Fee (after 3 days)$5
Preauthorized Overdraft Transfer$2
per item

ATM & Card

Replace Lost/Restricted Card$10

Wire Transfers

Wire Transfer - Outgoing$25
Wire Transfer - Outgoing$50

Check Services

Cashiers Check Customers$2.50
Money Order Customers$2
Stop Payment$30
Temporary Checks$2
Not compared: Charged per page; comparison unavailable
per page · Temporary Checks $2.00 per page of 4
Check Cashing - Non Customer$10
Copy of Check$1

Cash & Deposit

Deposit Item Returned$4
Lost Night Depository Key fee$5
per item

Account Services

Notary Public Service$5
Safe Deposit Box Drill Fee$200
Not compared: Box drilling or key fee
Safe Deposit Box Lost Key Fee$50
Not compared: Box drilling or key fee
Safe Deposit Box Rent Late fee$10
Not compared: Box drilling or key fee
Safe Deposit Box Rental 10X10 (annually)$70
per year
Safe Deposit Box Rental 3X10 (annually)$33
per year
Safe Deposit Box Rental 3X5 (annually)$16
per year
Safe Deposit Box Rental 5X10 (annually)$48
per year
Safe Deposit Box Rental 5X5 (annually)$27
per year
Garnishment/Levy$50
Account Verification$10

Gift & Prepaid Cards

Gift Cards$3.99

Other Fees

Account Activity Printout/Duplicate Statement$3
per item
Photocopies$0.50
Not compared: Charged per page; comparison unavailable
per page · Photocopies $.50 per page

Fee	Amount	Basis	Note
Account Maintenance
Acct closed within 90 days of opening	$25	Not stated	None
Dormant Account Fee	$2	per month	None
Escheat Fee	$50	Not stated	None
Account Balancing Assistance	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Balancing Assistance $20.00 per hour
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
ATM/Debit Card Chargeback	$15	Not stated	None
Returned Statement Fee	$5	Not stated	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
NSF Fee	$30	per item	None
Continuous OD Fee (after 3 days)	$5	Not stated	None
Preauthorized Overdraft Transfer	$2	per item	None
ATM & Card
Replace Lost/Restricted Card	$10	Not stated	None
Wire Transfers
Wire Transfer - Outgoing	$25	Not stated	None
Wire Transfer - Outgoing	$50	Not stated	None
Check Services
Cashiers Check Customers	$2.50	Not stated	None
Money Order Customers	$2	Not stated	None
Stop Payment	$30	Not stated	None
Temporary Checks	$2Not compared: Charged per page; comparison unavailable	per page	Temporary Checks $2.00 per page of 4
Check Cashing - Non Customer	$10	Not stated	None
Copy of Check	$1	Not stated	None
Cash & Deposit
Deposit Item Returned	$4	Not stated	None
Lost Night Depository Key fee	$5	per item	None
Account Services
Notary Public Service	$5	Not stated	None
Safe Deposit Box Drill Fee	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lost Key Fee	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Rent Late fee	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Rental 10X10 (annually)	$70	per year	None
Safe Deposit Box Rental 3X10 (annually)	$33	per year	None
Safe Deposit Box Rental 3X5 (annually)	$16	per year	None
Safe Deposit Box Rental 5X10 (annually)	$48	per year	None
Safe Deposit Box Rental 5X5 (annually)	$27	per year	None
Garnishment/Levy	$50	Not stated	None
Account Verification	$10	Not stated	None
Gift & Prepaid Cards
Gift Cards	$3.99	Not stated	None
Other Fees
Account Activity Printout/Duplicate Statement	$3	per item	None
Photocopies	$0.50Not compared: Charged per page; comparison unavailable	per page	Photocopies $.50 per page

Account Maintenance

2-Signature Checking Monthly maintenance fee$15
per month
Monthly Maintenance$5
per month

Fee	Amount	Basis	Note
Account Maintenance
2-Signature Checking Monthly maintenance fee	$15	per month	None
Monthly Maintenance	$5	per month	None

Correct a fee source

Nov 1, 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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