16 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 16, 2026.
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
Call-report figures are for Headwaters 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. | Headwaters 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
Service-charge income was $16K in Q2 2026, about level with the same quarter a year earlier ($16K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 6.7% from Q3 2025 to Q2 2026, to $16K.
$16K
Headwaters State BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Headwaters State Bank · $122M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 13 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Headwaters State Bank(this institution) | Land O' Lakes, WI | $122M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| Bison State Bank | Bison, KS | $126M | Monthly maintenance not published | 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 |
| Conservation First Bank | Benton, WI | $127M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Countryside Bank | Unadilla, NE | $119M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dalhart Federal Savings & Loan Association, SSB | Dalhart, TX | $126M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | 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 |
| Flora Bank & Trust | Flora, IL | $126M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| FNB Coweta | Coweta, OK | $128M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| 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 |
| 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 Stockgrowers State Bank | Maple Hill, KS | $128M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | 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 |
| United Bank & Trust Co. | Marshalltown, IA | $120M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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
Headwaters State 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 Headwaters State 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 | $16K | $0 | 0.0% |
| Q1 2026 | $16K | −$3K | −15.8% |
| Q4 2025 | $19K | +$4K | +26.7% |
| Q3 2025 | $15K | −$1K | −6.3% |
| Q2 2025 | $16K | $0 | 0.0% |
| Q1 2025 | $16K | +$3K | +23.1% |
| Q4 2024 | $13K | −$2K | −13.3% |
| Q3 2024 | $15K | $0 | 0.0% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Headwaters State Bank’s own schedules, with a source for each figure.
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Close Fee (within 90 days) | $15 | Not stated | None |
| Account Research: minimum | $20 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Transfer Fee | $5 | Not stated | None |
ATM & Card | |||
| Debit Card Replacement | $5 | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Out: Domestic | $25 | Not stated | None |
| Wire Transfers - Out: Foreign | $50 | Not stated | None |
Check Services | |||
| Cashiers Check | $5 | Not stated | None |
| Money Order | $2 | Not stated | None |
| Stop Payment/Indemnification | $25 | Not stated | None |
| Temporary Checks (4 checks per page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Check cashing fee for savings accounts | $5 | per transaction | None |
Digital & Electronic | |||
| Bill Pay Charitable Contribution service charge | $1.99 | Not stated | None |
| Bill Pay Gift Card/Check service charge | $2.99Not compared: Per-item charge, not monthly | per item | None |
| Bill Pay Monthly inactivity service charge (if not used once in three months) | $5 | per month | None |
| Bill Pay Next Day Check Rush Payment | $34.95 | Not stated | None |
| Bill Pay Second Day Check Rush Payment | $29.95 | Not stated | None |
| Bill Pay Second Day Electronic Rush Payment | $6.95Not compared: Per-occurrence charge, not monthly | per item | None |
Account Services | |||
| Notary Service: Customer (audience not stated, treated as personal) | No charge | Not stated | None |
| Lock Drilling Fee | $400Not compared: Box drilling or key fee | Not stated | None |
| Lost Key (1) | $15Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $80 | Not stated | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $80 | Not stated | None |
| Safe Deposit Box 2 x 5 | $20 | Not stated | None |
| Safe Deposit Box 2 x 5 (audience not stated, treated as personal) | $20 | Not stated | None |
| Safe Deposit Box 3 x 10 | $40 | Not stated | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $40 | Not stated | None |
| Safe Deposit Box 5 x 10 | $50 | Not stated | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $50 | Not stated | None |
| Safe Deposit Box 5 x 5 | $25 | Not stated | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $25 | Not stated | None |
| Safe Deposit Box 6" x 11" (audience not stated, treated as personal) | $5 | Not stated | None |
| Garnishments, Levies, Legal Attachment | $50 | Not stated | None |
Retirement & IRA | |||
| Full IRA Closing Fee | $50 | Not stated | None |
Other Fees | |||
| Copies of tax reporting documents 1098, 1099, 1099-SA, 1099R, 5498 & 5498-SA FMV (Fair Market Value) | $5 | Not stated | None |
| Duplicate Statement | $5 | Not stated | None |
| Fax Incoming or Outgoing Non-Customer -Per Page | $1 | 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
per item
per month
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Close Fee (within 90 days) | $15 | Not stated | None |
| Account Research: minimum | $20 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Transfer Fee | $5 | Not stated | None |
ATM & Card | |||
| Debit Card Replacement | $5 | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Out: Domestic | $25 | Not stated | None |
| Wire Transfers - Out: Foreign | $50 | Not stated | None |
Check Services | |||
| Cashiers Check | $5 | Not stated | None |
| Money Order | $2 | Not stated | None |
| Stop Payment/Indemnification | $25 | Not stated | None |
| Temporary Checks (4 checks per page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
Digital & Electronic | |||
| Bill Pay Charitable Contribution service charge | $1.99 | Not stated | None |
| Bill Pay Gift Card/Check service charge | $2.99Not compared: Per-item charge, not monthly | per item | None |
| Bill Pay Monthly inactivity service charge (if not used once in three months) | $5 | per month | None |
| Bill Pay Next Day Check Rush Payment | $34.95 | Not stated | None |
| Bill Pay Second Day Check Rush Payment | $29.95 | Not stated | None |
| Bill Pay Second Day Electronic Rush Payment | $6.95Not compared: Per-occurrence charge, not monthly | per item | None |
| Total Business BillPay-e™ (Can initiate payments, pay employees and invoice customers) | $15 | per month | None |
Account Services | |||
| Lock Drilling Fee | $400Not compared: Box drilling or key fee | Not stated | None |
| Lost Key (1) | $15Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $80 | Not stated | None |
| Safe Deposit Box 2 x 5 | $20 | Not stated | None |
| Safe Deposit Box 3 x 10 | $40 | Not stated | None |
| Safe Deposit Box 5 x 10 | $50 | Not stated | None |
| Safe Deposit Box 5 x 5 | $25 | Not stated | None |
| Garnishments, Levies, Legal Attachment | $50 | Not stated | None |
Retirement & IRA | |||
| Full IRA Closing Fee | $50 | Not stated | None |
Other Fees | |||
| Copies of tax reporting documents 1098, 1099, 1099-SA, 1099R, 5498 & 5498-SA FMV (Fair Market Value) | $5 | Not stated | None |
| Duplicate Statement | $5 | Not stated | None |
| Fax Incoming or Outgoing Non-Customer -Per Page | $1 | per item | None |
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.
Where Headwaters 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
We check once a day and send one email covering every change.