Pine River State Bank

Headquarters: Pine River, Minnesota
Charter: Bank
Assets: $185.3M
Fed district: Minneapolis
Regulator: FDIC
Holding company: Norbanc Group Inc.

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

Source: its fee schedule, read Oct 16, 2026.

Overview

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
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 16, 2026

How these figures are measured

Call-report figures are for Pine River 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) 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.	Pine River State Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 16, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Pine River State Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $39K in Q2 2026, 13% below the same quarter a year earlier ($45K).
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.

Monthly Maintenance
NOW Checking $5 · Community Partners Club Account $10
Compared at $7.50, the middle of its prices
Pine River State Bank: $5 to $10
Pine River State Bank: $5 to $10
U.S. median: no median
Overdraft (OD)
Pine River State Bank: $25
Pine River State Bank: $25
U.S. median: no median
NSF / Returned Item
Pine River State Bank: $25
Pine River State Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, 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).
Minnesota: Banks and credit unions headquartered in Minnesota 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 $39K.

Service-charge income, Q2 2026

$39K

$39KQ3 2025

$42KQ4 2025

$34KQ1 2026

$39KQ2 2026

Against the median

Pine River State BankMedian

Sources and open questions

FFIEC 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

Pine River State Bank · $185M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$180M to $190M in assets
Headquartered in 15 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
Pine River State Bank(this institution)	Pine River, MN	$185M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Hydro	Hydro, OK	$181M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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 Savings Bank and Trust Company	Nashville, TN	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Bank	Topeka, KS	$189M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers State Bank	West Salem, OH	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
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 of Middletown	Middletown, NY	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First State Bank	Socorro, NM	$188M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
LNB Community Bank	Lynnville, IN	$181M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Peoples Bank	Paris, TX	$185M	Monthly maintenance not published	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
Prairie Community Bank	Marengo, IL	$188M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Slovenian Savings and Loan Association of Franklin-Conemaugh	Conemaugh, PA	$181M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Bement	Bement, IL	$186M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Southwest Missouri	Springfield, MO	$184M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Whittington	Benton, IL	$180M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Farmers State Bank of Aliceville, Kansas	Westphalia, KS	$180M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First National Bank of Raymond	Raymond, IL	$187M	Monthly maintenance not published	Publishes Out-of-network ATM	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 Home National Bank of Thorntown	Thorntown, IN	$186M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
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
Town Center Bank	Frankfort, IL	$181M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Union Savings Bank	Freeport, IL	$182M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Republic Bank	Elkhorn, NE	$186M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Valley Central Bank	Liberty Township, OH	$187M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ 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

Monthly maintenance is broadly aligned with similar-sized banks: within 1% of their median.

Compared at $7.50, the middle of its two prices, against a peer median of $7.50 among 16 publishing peers.

Its two checking prices are $5 and $10.

$7.50 is a comparison price, not a fee anyone is charged.

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

Pine River State Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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.

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 Pine River State 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: $39K
vs prior quarter: +$5K+14.7%; from Q1 2026
vs a year earlier: −$6K−13.3%; from Q2 2025
vs start of range: −$2K−4.9%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Pine River State Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$39K	+$5K	+14.7%
Q1 2026	$34K	−$8K	−19.0%
Q4 2025	$42K	+$3K	+7.7%
Q3 2025	$39K	−$6K	−13.3%
Q2 2025	$45K	+$13K	+40.6%
Q1 2025	$32K	−$4K	−11.1%
Q4 2024	$36K	−$5K	−12.2%
Q3 2024	$41K	$0	0.0%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Pine River State Bank’s own schedules, with a source for each figure.

Account Maintenance

Maintenance fee$10
per month
NOW Checking Maintenance fee$5
per month
Monthly minimum balance fee$2
per month
Account Closing Fee if Closed within Six Months$25
Dormant Account Fee, per Month After Six Months of No Activity$1
per month
Account Balancing Assistance, per hour (One Hour Minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour
Account Research, per hour (One Hour Minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour
Monthly paper statement fee$2
per month
Return Mail Fee, per month$5
per month

Overdraft & NSF

Overdraft Paid Item Fee, per item$25
per item
NSF (Non-Sufficient Funds) Returned Item Fee per Item$25
per item
Continuous OD (Overdraft) Charge After Ten Business Days, Per Day Thereafter$5
per day
NSF Returned Item Fee Daily Maximum$100
per day
Overdraft Paid Item Fee Daily Maximum$100
per day

ATM & Card

Replacement Debit or ATM Card Fee, per card$10
per item

Wire Transfers

Outgoing Wire Transfer, per wire$25
per item
Incoming Wire$15
Outgoing International Wire Request, per wire$55
per item

Check Services

Cashiers Check, per check$5
per item
Money Orders, per check$3
per item
Stop Payment, per request$25
per item
Collection Items: Customer$15
Collection Items: Non-Customer$30

Digital & Electronic

Same Day ACH Transfer Fee (received before 12:00 PM CST)$6

Cash & Deposit

Coin Counting (Non-Customer)5%
Coin Counting (Non-Customer) (audience not stated, treated as personal)5%
Returned Deposit Fee, per item$4
per item

Account Services

Notary Fee (Non-Customer)$1
Safe Deposit Box - Lost Key$35
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$85
per year
Safe Deposit Box 3 x 10$35
per year
Safe Deposit Box 3 x 5$20
per year
Safe Deposit Box 5 x 10$45
per year
Safe Deposit Box 5 x 5$25
per year
Garnishments, Executions, and Levies, per request$60
per item

Gift & Prepaid Cards

Gift Cards$4.95

Other Fees

Fax Fee$3
Photocopies, per page$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee	$10	per month	None
NOW Checking Maintenance fee	$5	per month	None
Monthly minimum balance fee	$2	per month	None
Account Closing Fee if Closed within Six Months	$25	Not stated	None
Dormant Account Fee, per Month After Six Months of No Activity	$1	per month	None
Account Balancing Assistance, per hour (One Hour Minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research, per hour (One Hour Minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly paper statement fee	$2	per month	None
Return Mail Fee, per month	$5	per month	None
Overdraft & NSF
Overdraft Paid Item Fee, per item	$25	per item	None
NSF (Non-Sufficient Funds) Returned Item Fee per Item	$25	per item	None
Continuous OD (Overdraft) Charge After Ten Business Days, Per Day Thereafter	$5	per day	None
NSF Returned Item Fee Daily Maximum	$100	per day	None
Overdraft Paid Item Fee Daily Maximum	$100	per day	None
ATM & Card
Replacement Debit or ATM Card Fee, per card	$10	per item	None
Wire Transfers
Outgoing Wire Transfer, per wire	$25	per item	None
Incoming Wire	$15	Not stated	None
Outgoing International Wire Request, per wire	$55	per item	None
Check Services
Cashiers Check, per check	$5	per item	None
Money Orders, per check	$3	per item	None
Stop Payment, per request	$25	per item	None
Collection Items: Customer	$15	Not stated	None
Collection Items: Non-Customer	$30	Not stated	None
Digital & Electronic
Same Day ACH Transfer Fee (received before 12:00 PM CST)	$6	Not stated	None
Cash & Deposit
Coin Counting (Non-Customer)	5%	Not stated	None
Coin Counting (Non-Customer) (audience not stated, treated as personal)	5%	Not stated	None
Returned Deposit Fee, per item	$4	per item	None
Account Services
Notary Fee (Non-Customer)	$1	Not stated	None
Safe Deposit Box - Lost Key	$35Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$85	per year	None
Safe Deposit Box 3 x 10	$35	per year	None
Safe Deposit Box 3 x 5	$20	per year	None
Safe Deposit Box 5 x 10	$45	per year	None
Safe Deposit Box 5 x 5	$25	per year	None
Garnishments, Executions, and Levies, per request	$60	per item	None
Gift & Prepaid Cards
Gift Cards	$4.95	Not stated	None
Other Fees
Fax Fee	$3	Not stated	None
Photocopies, per page	$0.25	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

Correct a fee source

Oct 16, 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 Pine River State 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 Pine River State Bank's monthly maintenance changes in our data

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