Compared with Iowa
11 of 17
compared fees are above the median.
2 below, 4 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
42nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Iowa median
of 17 compared; 2 below, 4 about the same
See the feesFee schedule read Oct 13, 2026
Call-report figures are for United Bank & Trust Co. 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. | United Bank & Trust Co.'s published fee schedule; Bank Fee Index medians | Current schedule | Oct 13, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.8% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (42nd 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 $25K in Q2 2026, 3.8% below the same quarter a year earlier ($26K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
11 of 17 compared published fees sit above the Iowa median; 2 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.
NSF / Returned Item
Overdraft (OD)
Wire Transfer (Domestic Out)
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 fell 14% from Q3 2025 to Q2 2026, to $25K. Its share of revenue, 1.8%, is below the 2.1% median for banks with under $300M in assets.
$25K
United Bank & Trust Co.Median
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.
United Bank & Trust Co. · $120M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| United Bank & Trust Co.(this institution) | Marshalltown, IA | $120M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of New Madrid | New Madrid, MO | $117M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Chester National Bank | Chester, IL | $126M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens Bank of Rogersville | Rogersville, MO | $125M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Bank | Bristow, OK | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Savings Bank | Bethel, OH | $120M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Connect Bank | Star City, AR | $124M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Countryside Bank | Unadilla, NE | $119M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers & Merchants Bank of North Dakota | Tolna, ND | $120M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Bank of Bigfork | Bigfork, MN | $117M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Headwaters State Bank | Land O' Lakes, WI | $122M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Henderson Federal Savings Bank | Henderson, TX | $118M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Logan County Bank | Scranton, AR | $121M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metz Banking Company | Nevada, MO | $117M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mid-Central National Bank | Wadena, MN | $117M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples Bank of Greensboro | Greensboro, AL | $116M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Portage Bank | Bellevue, WA | $116M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Progressive National Bank | Mansfield, LA | $123M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rushford State Bank (Incorporated) | Rushford, MN | $115M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Commercial Bank Of Ozark | Ozark, AL | $115M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| The Farmers State Bank of Brush | Brush, CO | $117M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Granville National Bank | Granville, IL | $118M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Hamilton Bank | Hamilton, MO | $120M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Lytle State Bank of Lytle, Texas | Lytle, TX | $115M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Twin Cedars Bank | Bussey, IA | $118M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Woodsfield Savings Bank | Woodsfield, OH | $123M | 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 · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.50 among 11 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
United Bank & Trust Co. 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 United Bank & Trust Co. (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 | $25K | +$1K | +4.2% |
| Q1 2026 | $24K | −$4K | −14.3% |
| Q4 2025 | $28K | −$1K | −3.4% |
| Q3 2025 | $29K | +$3K | +11.5% |
| Q2 2025 | $26K | −$3K | −10.3% |
| Q1 2025 | $29K | −$2K | −6.5% |
| Q4 2024 | $31K | −$2K | −6.1% |
| Q3 2024 | $33K | +$8K | +32.0% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, United Bank & Trust Co. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to United Bank & Trust Co. by share.
Amounts from United Bank & Trust Co.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure (within 90 days of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Balancing or Research | $30Above the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| 1 Fee for Mailed Paper Statement if Online Statement is not selected | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Undeliverable Mail | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
| Undeliverable Mail (per occurrence, after first month): Domestic/Foreign - Incoming | $20Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| ▶ Paid Overdraft Item (per presentment) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Bill Pay (per presentment) | $45Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM or Debit Card Replacement | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Domestic - Outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Foreign - Outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers: Domestic/Foreign - Incoming | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Counter Checks (per check) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing (if account balance <$100) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposit Item | $6Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishment/Tax Levy | $75Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Statement - Third Party | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Duplicate Statement (per statement) | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 13, 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 United Bank & Trust Co. operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $106.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $106.7M |
Largest competitors nearby
Local market: Marshall county, IA, where it holds the most deposits.
| 12 in its local market | Deposit share |
|---|---|
| Central State Bank | 25.6% |
| Pinnacle Bank | 19.3% |
| Wells Fargo Bank, National Association | 11.2% |
| First Interstate Bank | 10.6% |
| Farmers Savings Bank | 6% |
This bank holds 7.7% 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.
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.
Holding company
AMES NATIONAL CORP (Nasdaq: ATLO)
Consolidated assets
$2.1B
Shareholders' equity
$213.1M
As of
2026Q2
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 1132651. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.