Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, under $300M

Oakwood Bank

Pigeon Falls, WisconsinBankChicago Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation$15Below the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Insufficient Funds Return Item Charge$50Above the typical range ($25–$31.50 nationally)
$20 above the national median
Source
Overdraft Fee Savings$35Above the typical range ($25–$32 nationally)
$5 above the national median
Source
Overdraft Protection$2Below the typical range ($3–$5 nationally)
$3 below the national median
Source
Overdraft Transfer Fee$5Within the typical range ($3–$5 nationally)
At the national median
per day · Source

Account ServicesVerified

2x5$25Within the typical range ($25–$80 nationally)
$20 below the national median
Source
3x10$45Within the typical range ($25–$80 nationally)
At the national median
Source
3x5$35Within the typical range ($25–$80 nationally)
$10 below the national median
Source
4x5$40Within the typical range ($25–$80 nationally)
$5 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation	$15Below the typical range ($20–$25 nationally)	$10 below the national median	—	—	Source
monthly fee if average goes below	$10Within the typical range ($3–$10 nationally)	$4.50 above the national median	per month	—	Source
monthly fee if balance goes below	$5Within the typical range ($3–$10 nationally)	$0.50 below the national median	per month	—	Source
monthly fee if balance goes below	$7Within the typical range ($3–$10 nationally)	$1.50 above the national median	per month	—	Source
Overdraft & NSFVerified
Insufficient Funds Return Item Charge	$50Above the typical range ($25–$31.50 nationally)	$20 above the national median	—	—	Source
Overdraft Fee Savings	$35
ATM & CardVerified
ATM/Debit Card Replacement	$30Above the typical range ($5–$10 nationally)	$20 above the national median	—	—	Source
Wire TransfersVerified
Wire Transfer Outgoing	$35Above the typical range ($20–$25 nationally)	$10 above the national median	—	—	Source
Check ServicesVerified
Cashier’s Check	$5Within the typical range ($3–$5.50 nationally)	At the national median	—	—	Source
Account ServicesVerified
2x5	$25Within the typical range ($25–$80 nationally)	$20 below the national median	—	—	Source
3x10	$45
Other FeesVerified
Photocopies	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 16 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$156.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$156.4M

Total deposits

$123.9M

Service charge income

$9K

Fee income ratio

0.61%

Return on assets

1.66%

Branches

Service charge income by quarter

Q2 2026$9K

Q1 2026$6K

Q4 2025$11K

Q3 2025$10K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 38,170 published fee entries from 2,669 institutions

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