Richland County Bank

Headquarters: Richland Center, Wisconsin
Charter: Bank
Assets: $114.1M
Fed district: Chicago
Regulator: FDIC
Holding company: Richland County Bancshares Inc.

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

Source: its fee schedule, read Nov 3, 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 3, 2026

How these figures are measured

Call-report figures are for Richland County 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.	Richland County Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Richland County 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 $29K in Q2 2026, 16% above the same quarter a year earlier ($25K).
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)
Richland County Bank: $35
Richland County Bank: $35
U.S. median: no median
NSF / Returned Item
Richland County Bank: $35
Richland County Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Richland County Bank: $25
Richland County Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

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.

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).
Wisconsin: Banks and credit unions headquartered in Wisconsin 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 rose 7.4% from Q3 2025 to Q2 2026, to $29K.

Service-charge income, Q2 2026

$29K

$27KQ3 2025

$25KQ4 2025

$24KQ1 2026

$29KQ2 2026

Against the median

Richland County 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

Richland County Bank · $114M 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.

Banks only
$109M to $119M in assets
Headquartered in 16 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
Richland County Bank(this institution)	Richland Center, WI	$114M	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
Community Bank	Bristow, OK	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	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
Covington County Bank	Collins, MS	$109M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Farmers and Mechanics Federal Savings Bank	Bloomfield, IN	$114M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Mutual Bank, FSB	Belpre, OH	$110M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank	Heavener, OK	$113M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
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
First State Bank of Le Center	Le Center, MN	$110M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	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
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
Monroe Savings Bank	Williamstown, NJ	$114M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
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
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 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
The Peoples Bank	Sardis, TN	$113M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Peoples Bank	Willacoochee, GA	$109M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Peoples Savings and Loan Company	West Liberty, OH	$110M	Publishes Monthly maintenance	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
White State Bank	South English, IA	$109M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Richland County Bank does not publish a monthly maintenance fee in the index.

The peer median is $7 among 15 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 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Richland County BankPeer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 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 Richland County 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: $29K
vs prior quarter: +$5K+20.8%; from Q1 2026
vs a year earlier: +$4K+16.0%; from Q2 2025
vs start of range: −$3K−9.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Richland County 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	$29K	+$5K	+20.8%
Q1 2026	$24K	−$1K	−4.0%
Q4 2025	$25K	−$2K	−7.4%
Q3 2025	$27K	+$2K	+8.0%
Q2 2025	$25K	+$1K	+4.2%
Q1 2025	$24K	+$1K	+4.3%
Q4 2024	$23K	−$9K	−28.1%
Q3 2024	$32K	+$4K	+14.3%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Richland County Bank’s own schedules, with a source for each figure.

Account Maintenance

Account closed within 3 months$25
Inactive Account Fee (365 days) (per month)$5
per month
Account Reconciliation per/hr ($15 min)$35
Not compared: Charged per hour; comparison unavailable
per hour
Account Research per/hr ($15 min)$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Bounce Paid Item Charge$35
NSF Returned Item(s) Charge(per item)+$35
per item

ATM & Card

Card Replacement$10

Wire Transfers

Wire Transfer Out$25
Wire Transfer International (Out)$75

Check Services

Cashiers Checks - Customer$5
Money Order - Customer$4
Stop Payment$30
Temporary Checks$0.50
per item
Check Cashing - Non Customer$10
Foreign Check Deposited$10

Cash & Deposit

Deposit Item Returned$10
Night Deposit Key$2

Account Services

Notary Public (customer)$0.50
Notary Public (non-customer)$1
Safe Deposit Box 10 x 10$50
per year
Safe Deposit Box 13 x 21$75
Safe Deposit Box 26 x 21$100
Safe Deposit Box 3 x 10$25
per year
Safe Deposit Box 3 x 5$15
per year
Safe Deposit Box 39 x 21$150
Safe Deposit Box 5 x 10$30
per year
Safe Deposit Box 5 x 5$20
per year
Safe Deposit Box 8 x 10$35
per year
Levy$50
Account Verification$20

Retirement & IRA

IRA Transfer/Roll Over/WD$25

Other Fees

Duplicate/Reprint Statement$5
FAX: Incoming (1st page)$5
Photocopies (per side)$0.25

Fee	Amount	Basis	Note
Account Maintenance
Account closed within 3 months	$25	Not stated	None
Inactive Account Fee (365 days) (per month)	$5	per month	None
Account Reconciliation per/hr ($15 min)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research per/hr ($15 min)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Bounce Paid Item Charge	$35	Not stated	None
NSF Returned Item(s) Charge(per item)+	$35	per item	None
ATM & Card
Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfer Out	$25	Not stated	None
Wire Transfer International (Out)	$75	Not stated	None
Check Services
Cashiers Checks - Customer	$5	Not stated	None
Money Order - Customer	$4	Not stated	None
Stop Payment	$30	Not stated	None
Temporary Checks	$0.50	per item	None
Check Cashing - Non Customer	$10	Not stated	None
Foreign Check Deposited	$10	Not stated	None
Cash & Deposit
Deposit Item Returned	$10	Not stated	None
Night Deposit Key	$2	Not stated	None
Account Services
Notary Public (customer)	$0.50	Not stated	None
Notary Public (non-customer)	$1	Not stated	None
Safe Deposit Box 10 x 10	$50	per year	None
Safe Deposit Box 13 x 21	$75	Not stated	None
Safe Deposit Box 26 x 21	$100	Not stated	None
Safe Deposit Box 3 x 10	$25	per year	None
Safe Deposit Box 3 x 5	$15	per year	None
Safe Deposit Box 39 x 21	$150	Not stated	None
Safe Deposit Box 5 x 10	$30	per year	None
Safe Deposit Box 5 x 5	$20	per year	None
Safe Deposit Box 8 x 10	$35	per year	None
Levy	$50	Not stated	None
Account Verification	$20	Not stated	None
Retirement & IRA
IRA Transfer/Roll Over/WD	$25	Not stated	None
Other Fees
Duplicate/Reprint Statement	$5	Not stated	None
FAX: Incoming (1st page)	$5	Not stated	None
Photocopies (per side)	$0.25	Not stated	None

Correct a fee source

Nov 3, 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.

Branches and public record

Where Richland County 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

Get an email when Richland County Bank's foreign transaction changes in our data

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