Citizens Savings Bank

Headquarters: Spillville, Iowa
Charter: Bank
Assets: $151.1M
Fed district: Chicago
Regulator: FDIC

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

Source: its fee schedule, read Nov 2, 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 Nov 2, 2026

How these figures are measured

Call-report figures are for Citizens Savings 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.	Citizens Savings 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

Details

Source: FFIEC call report (bulk data)
Entity: Citizens Savings 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 $11K in Q2 2026, 15% below the same quarter a year earlier ($13K).
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)
Citizens Savings Bank: $25
Citizens Savings Bank: $25
U.S. median: no median
NSF / Returned Item
Citizens Savings Bank: $25
Citizens Savings Bank: $25
U.S. median: no median
Non-Network ATM
Citizens Savings Bank: $0.50
Citizens Savings Bank: $0.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

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.

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).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 $11K.

Service-charge income, Q2 2026

$11K

$11KQ3 2025

$11KQ4 2025

$13KQ1 2026

$11KQ2 2026

Against the median

Citizens Savings 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

Citizens Savings Bank · $151M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$146M to $155M in assets
Headquartered in 18 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
Citizens Savings Bank(this institution)	Spillville, IA	$151M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1st Federal Savings Bank of SC, Inc.	Walterboro, SC	$152M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Pensacola	Pensacola, FL	$147M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Salem	Salem, MO	$147M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bluff View Bank	Galesville, WI	$153M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Carmine State Bank	Carmine, TX	$149M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Farmers State Bank	Algona, IA	$150M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Farmers Trust & Savings Bank	Earling, IA	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Bank and Trust of Memphis	Memphis, TX	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Fowler State Bank	Fowler, CO	$155M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grand Missouri Bank	Bolivar, MO	$151M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
GSL Savings Bank	Guttenberg, NJ	$151M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Guaranty Bank Inc.	Williamson, WV	$152M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Hyden Citizens Bank	Hyden, KY	$149M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Miami Savings Bank	Miamitown, OH	$148M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Millbury National Bank	Millbury, MA	$147M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Peoples Bank of Wyaconda, Missouri	Kahoka, MO	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Priority Bank	Fayetteville, AR	$153M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Schuyler Savings Bank	Kearny, NJ	$151M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Security Bank of Southwest Missouri	Cassville, MO	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sweet Water State Bank	Sweet Water, AL	$150M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
The Bank of Protection	Protection, KS	$154M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
The First State Bank of Rosemount	Rosemount, MN	$146M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Sacramento Deposit Bank	Sacramento, KY	$150M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Twin City Bank	Longview, WA	$151M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
WSB Municipal Bank	Watertown, NY	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Citizens Savings Bank does not publish a monthly maintenance fee in the index.

The peer median is $7 among 9 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

Citizens Savings Bank does not publish a monthly maintenance fee, so it is not on this chart.

Citizens Savings BankPeer (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 Citizens Savings 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: $11K
vs prior quarter: −$2K−15.4%; from Q1 2026
vs a year earlier: −$2K−15.4%; from Q2 2025
vs start of range: −$4K−26.7%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Citizens Savings 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	$11K	−$2K	−15.4%
Q1 2026	$13K	+$2K	+18.2%
Q4 2025	$11K	$0	0.0%
Q3 2025	$11K	−$2K	−15.4%
Q2 2025	$13K	+$1K	+8.3%
Q1 2025	$12K	−$2K	−14.3%
Q4 2024	$14K	−$1K	−6.7%
Q3 2024	$15K	+$1K	+7.1%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Citizens Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee$3
per month
Account Research or Balancing$25
Not compared: Charged per hour; comparison unavailable
per hour
Printed Statement Fee$2

Overdraft & NSF

Overdraft charge$25
per item
NSF / Returned Item$25
per item
Overdraft Daily Cap$125
per day · Maximum overdraft charges per day

ATM & Card

Debit Card Balance or Transaction History Inquiry at ATM$0.50
per item
Replace Debit Card$10

Wire Transfers

Wire Transfer (outgoing - domestic)$20
Wire Transfer (incoming)$10
Wire Transfer (outgoing - international)$50

Check Services

Bank Money Order$5
per item
Personal Money Order$2
per item
Stop Payment - all items$15
per item
Stop Payment - lost checkbook$30
Counter Checks$0.25
per item
Check Copies$1
per item

Digital & Electronic

Overnight Bill Pay Check$14.95
Same Day Bill Pay$9.95

Cash & Deposit

Deposited Checks (and other items) Returned Unpaid$5
per item

Account Services

Notary Services$2
Lost Safe Deposit Box Key$30
Not compared: Box drilling or key fee
Safe Deposit Box Late Fee$10
Not compared: Box drilling or key fee
Garnishments/Levies$50

Other Fees

Black & White Photocopies$0.25
per item
Faxing (incoming and outgoing)$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$3	per month	None
Account Research or Balancing	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Printed Statement Fee	$2	Not stated	None
Overdraft & NSF
Overdraft charge	$25	per item	None
NSF / Returned Item	$25	per item	None
Overdraft Daily Cap	$125	per day	Maximum overdraft charges per day
ATM & Card
Debit Card Balance or Transaction History Inquiry at ATM	$0.50	per item	None
Replace Debit Card	$10	Not stated	None
Wire Transfers
Wire Transfer (outgoing - domestic)	$20	Not stated	None
Wire Transfer (incoming)	$10	Not stated	None
Wire Transfer (outgoing - international)	$50	Not stated	None
Check Services
Bank Money Order	$5	per item	None
Personal Money Order	$2	per item	None
Stop Payment - all items	$15	per item	None
Stop Payment - lost checkbook	$30	Not stated	None
Counter Checks	$0.25	per item	None
Check Copies	$1	per item	None
Digital & Electronic
Overnight Bill Pay Check	$14.95	Not stated	None
Same Day Bill Pay	$9.95	Not stated	None
Cash & Deposit
Deposited Checks (and other items) Returned Unpaid	$5	per item	None
Account Services
Notary Services	$2	Not stated	None
Lost Safe Deposit Box Key	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Garnishments/Levies	$50	Not stated	None
Other Fees
Black & White Photocopies	$0.25	per item	None
Faxing (incoming and outgoing)	$1	per item	None

Correct a fee source

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.

Fee change alerts

Get an email when Citizens Savings Bank's monthly maintenance changes in our data

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