Compared with Wisconsin
10 of 13
compared fees are above the median.
1 below, 2 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
32nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Wisconsin median
of 13 compared; 1 below, 2 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for Conservation First 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 Wisconsin median | Published fees above the Wisconsin median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Conservation First Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.4% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (32nd 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 $22K in Q2 2026, 10% above the same quarter a year earlier ($20K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
10 of 13 compared published fees sit above the Wisconsin median; 1 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 Wisconsin medians for fees published by banks and credit unions.
Monthly Maintenance
Guardian Checking $5 · Guardian Checking+ $5 · Steward Checking $10 · Steward Checking*+ $10
Compared at $7.50, the middle of its prices
Stop Payment
Paper Statement
Each amount links to the fee schedule it was read from. Medians for Wisconsin, 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 8.3% from Q3 2025 to Q2 2026, to $22K. Its share of revenue, 1.4%, is below the 2.1% median for banks with under $300M in assets.
$22K
Conservation First 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. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
Conservation First Bank · $127M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Conservation First Bank(this institution) | Benton, WI | $127M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 1st Equity Bank | Skokie, IL | $130M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Halls | Halls, TN | $135M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 Bank of Pleasant Hill | Pleasant Hill, MO | $133M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| 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 |
| 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 |
| 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 |
| Logan County Bank | Scranton, AR | $121M | 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 |
| Stoughton Co-operative Bank | Stoughton, MA | $135M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Aspermont | Aspermont, TX | $134M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Ely | Ely, NV | $133M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Moose Lake | Moose Lake, MN | $134M | 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 Miners State Bank | Iron River, MI | $135M | 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 |
| 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 · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7.50, the middle of its four prices, against a peer median of $6.75 among 12 publishing peers.
Its four checking prices are $5, $5, $10 and $10.
$7.50 is a comparison price, not a fee anyone is charged.
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
Against this institution's monthly maintenance fee
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 Conservation First 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 | $22K | +$5K | +29.4% |
| Q1 2026 | $17K | −$4K | −19.0% |
| Q4 2025 | $21K | −$3K | −12.5% |
| Q3 2025 | $24K | +$4K | +20.0% |
| Q2 2025 | $20K | −$2K | −9.1% |
| Q1 2025 | $22K | −$3K | −12.0% |
| Q4 2024 | $25K | +$7K | +38.9% |
| Q3 2024 | $18K | $0 | 0.0% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Conservation First Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Conservation First Bank by share.
Amounts from Conservation First Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month · A $5 monthly service charge applies if the average balance falls below $1,000 during the statement cycle
per month · A $10 monthly service charge applies if the average balance falls below $10,000 during the statement cycle
per month
per item
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Guardian Checking+ Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge (Guardian Checking) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | A $5 monthly service charge applies if the average balance falls below $1,000 during the statement cycle |
| Monthly service charge (Steward Checking) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | A $10 monthly service charge applies if the average balance falls below $10,000 during the statement cycle |
| Steward Checking+ Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account Fee (one time charge each time an account goes dormant) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Account Balancing/Research/Reconcilement:Collection Fees:Indemnity Bonds (audience not stated, treated as personal) | $30Above the U.S. middle 50% ($7 to $25 nationally) | Not stated | None |
| Paper Statements Mailed | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Return Mail due to insufficient address fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Continuous Daily OD Charge - Consumer Accounts | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| PaidContinuous Daily OD Charge - Consumer Accounts | $20Above the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Debit Card or PIN Replacement (customer error) | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Money Orders (Only up to .) | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Check Printing (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($0.20 to $18.69 nationally) | Not stated | None |
| Hold on Checking account (lost checkbook) | $30Above the U.S. middle 50% ($0.20 to $18.69 nationally) | Not stated | None |
| Stop Payment Order | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing (non-customer) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counter Fee (non-customer) | 10% | Not stated | None |
Account Services | |||
| Cashier’s ChecksSafe Deposit Box Rent:Safe Deposit Box late payment fee (audience not stated, treated as personal) | $10Not compared: Box drilling or key fee | Not stated | None |
| Lost Safe Deposit Box Key | $50Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 5” x 5.5” | $22Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” x 5.5” (audience not stated, treated as personal) | $22Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Drilling | $200Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box late payment fee | $10Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box Rental (Rents are payable each year on May 15th) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | 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
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee (one time charge each time an account goes dormant) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Paper Statements Mailed | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Return Mail due to insufficient address fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Continuous Daily OD Charge - Business Accounts | $20 | per day | None |
| Continuous Daily OD Charge - Business AccountsMoney Orders (Only Up to $300) | $5 | per day | None |
ATM & Card | |||
| Debit Card or PIN Replacement (customer error) | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Money Orders (Only up to .) | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Hold on Checking account (lost checkbook) | $30Above the U.S. middle 50% ($0.20 to $18.69 nationally) | Not stated | None |
| Stop Payment Order | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing (non-customer) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counter Fee (non-customer) | 10% | Not stated | None |
Account Services | |||
| Lost Safe Deposit Box Key | $50Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 5” x 5.5” | $22Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Drilling | $200Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box late payment fee | $10Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box Rental (Rents are payable each year on May 15th) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per item | None |
Oct 9, 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 Conservation First Bank operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $101.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $101.3M |
Largest competitors nearby
Local market: Lafayette and Grant counties, WI, where it holds the most deposits.
| 11 in its local market | Deposit share |
|---|---|
| Mound City Bank | 17.3% |
| Community First Bank | 16.2% |
| Clare Bank, National Association | 13.5% |
| Peoples State Bank | 11.2% |
| Nicolet National Bank | 9.2% |
This bank holds 5% 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 1, 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.