Compared with Iowa
3 of 19
compared fees are above the median.
13 below, 3 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
31st percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Iowa median
of 19 compared; 13 below, 3 about the same
See the feesFee schedule read Nov 2, 2026
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) 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 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
Service charges were 1.3% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (31st 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 $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.
3 of 19 compared published fees sit above the Iowa median; 13 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.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
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 was about level from Q3 2025 to Q2 2026, at $11K. Its share of revenue, 1.3%, is below the 2.1% median for banks with under $300M in assets.
$11K
Citizens Savings 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 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.
| 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.
Peer pricing snapshot
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.
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 Savings 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 | $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% |
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 Savings 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 Savings Bank by share.
Amounts from Citizens Savings Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research or Balancing | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Printed Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft charge | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF / Returned Item | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Daily Cap | $125Inside the U.S. middle 50% ($100 to $163.75 nationally) | per day | Maximum overdraft charges per day |
ATM & Card | |||
| Debit Card Balance or Transaction History Inquiry at ATM | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replace Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (outgoing - domestic) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (incoming) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer (outgoing - international) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Bank Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Personal Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment - all items | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment - lost checkbook | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $0.25Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Copies | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Overnight Bill Pay Check | $14.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Same Day Bill Pay | $9.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Checks (and other items) Returned Unpaid | $5Below the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Services | $2Inside the U.S. middle 50% ($0 to $5 nationally) | 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 | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Black & White Photocopies | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Faxing (incoming and outgoing) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | 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 Savings Bank operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $129.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $129.2M |
Largest competitors nearby
Local market: Winneshiek and Howard counties, IA, where it holds the most deposits.
| 9 in its local market | Deposit share |
|---|---|
| Decorah Bank & Trust Company | 37.6% |
| CUSB Bank | 24% |
| Waukon State Bank | 10.6% |
| Luana Savings Bank | 7.3% |
| Fidelity Bank & Trust | 4.7% |
This bank holds 7% 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.
Fee change alerts
We check once a day and send one email covering every change.