White State Bank

Headquarters: South English, Iowa
Charter: Bank
Assets: $109.0M
Fed district: Chicago
Regulator: FDIC
Holding company: Country Bancorp

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

Source: its fee schedule, read Oct 22, 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 Oct 22, 2026

How these figures are measured

Call-report figures are for White 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.	White State Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 22, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: White State 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 $30K in Q2 2026, 20% 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.

Monthly Maintenance
Regular Checking $4 · Basic Checking $5 · NOW Checking $5
Compared at $5, the middle of its prices
White State Bank: $4 to $5
White State Bank: $4 to $5
U.S. median: no median
Overdraft (OD)
White State Bank: $18
White State Bank: $18
U.S. median: no median
NSF / Returned Item
White State Bank: $18
White State Bank: $18
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 22, 2026View sources

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.

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).
Iowa: Banks and credit unions headquartered in Iowa 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 was about level from Q3 2025 to Q2 2026, at $30K.

Service-charge income, Q2 2026

$30K

$30KQ3 2025

$31KQ4 2025

$29KQ1 2026

$30KQ2 2026

Against the median

White State 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

White State Bank · $109M 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
$103M to $115M 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
White State Bank(this institution)	South English, IA	$109M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Auburn Savings Bank, FSB	Auburn, ME	$103M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Bozeman	Bozeman, MT	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Erath	Erath, LA	$105M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community Bank Owatonna	Owatonna, MN	$103M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
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 National Bank of Kansas	Burlington, KS	$106M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Bank Minnesota	Le Roy, MN	$106M	Publishes Monthly maintenance	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
Monroe Savings Bank	Williamstown, NJ	$114M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Platte Valley Bank	North Bend, NE	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Richland County Bank	Richland Center, WI	$114M	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 Bank of Magnolia Company	Magnolia, OH	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
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 Exchange State Bank of St. Paul, Kansas	Saint Paul, KS	$105M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First State Bank of Healy	Healy, KS	$109M	Publishes Monthly maintenance	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
The Sherwood State Bank	Sherwood, OH	$108M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Warsaw Federal Savings and Loan Association	Cincinnati, OH	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2 (29%) below the median of similar-sized banks.

Compared at $5, the middle of its four prices, against a peer median of $7 among 17 publishing peers.

Its four checking prices are $4, $5, $5 and $5.

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

White State Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 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 White State 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: $30K
vs prior quarter: +$1K+3.4%; from Q1 2026
vs a year earlier: +$5K+20.0%; from Q2 2025
vs start of range: +$8K+36.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: White State 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	$30K	+$1K	+3.4%
Q1 2026	$29K	−$2K	−6.5%
Q4 2025	$31K	+$1K	+3.3%
Q3 2025	$30K	+$5K	+20.0%
Q2 2025	$25K	−$1K	−3.8%
Q1 2025	$26K	+$1K	+4.0%
Q4 2024	$25K	+$3K	+13.6%
Q3 2024	$22K	$0	0.0%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from White State Bank’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Maintenance Fees$5
per month
Maintenance Fees (Basic Checking) (audience not stated, treated as personal)$5
per month
Maintenance Fees (NOW Checking)$5
per month
Regular Checking Maintenance Fees$4
per month
Close Deposit Account ^ (Fee only applies to accounts closed within 60 days of opening)$25
Account Balancing Assistance (per hour, minimum of one hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (per hour, minimum of one hour, plus copy charges)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2.50
Returned Mail$5

Overdraft & NSF

Overdraft Charge$18
Returned Check Charge$18

ATM & Card

Debit Card ATM Transaction Fee$0.25
Issue/Replace Card$20

Wire Transfers

Wire Transfer (outgoing)$15
Wire Transfer (incoming)$10

Check Services

Cashiers Check$6
Personal Money Order$3
Stop Payment (Check or EFT)$20
Counter Checks$0.50
Check Cashing Fee (non customer only, $2.00 minimum)$2
Foreign Check Deposit (each)$5
per item

Cash & Deposit

Deposited Checks Returned Unpaid$20

Account Services

Notary Service$10
Safe Deposit Box Key Replacement$30
Not compared: Box drilling or key fee
Garnishments or Levies$50

Retirement & IRA

IRA Transfer or Rollover$50

Other Fees

Fax (sending or receiving per page)$1
per item
Periodic Statement Reproduction (per statement)$5
Photocopies (per page)$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Maintenance Fees	$5	per month	None
Maintenance Fees (Basic Checking) (audience not stated, treated as personal)	$5	per month	None
Maintenance Fees (NOW Checking)	$5	per month	None
Regular Checking Maintenance Fees	$4	per month	None
Close Deposit Account ^ (Fee only applies to accounts closed within 60 days of opening)	$25	Not stated	None
Account Balancing Assistance (per hour, minimum of one hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (per hour, minimum of one hour, plus copy charges)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$2.50	Not stated	None
Returned Mail	$5	Not stated	None
Overdraft & NSF
Overdraft Charge	$18	Not stated	None
Returned Check Charge	$18	Not stated	None
ATM & Card
Debit Card ATM Transaction Fee	$0.25	Not stated	None
Issue/Replace Card	$20	Not stated	None
Wire Transfers
Wire Transfer (outgoing)	$15	Not stated	None
Wire Transfer (incoming)	$10	Not stated	None
Check Services
Cashiers Check	$6	Not stated	None
Personal Money Order	$3	Not stated	None
Stop Payment (Check or EFT)	$20	Not stated	None
Counter Checks	$0.50	Not stated	None
Check Cashing Fee (non customer only, $2.00 minimum)	$2	Not stated	None
Foreign Check Deposit (each)	$5	per item	None
Cash & Deposit
Deposited Checks Returned Unpaid	$20	Not stated	None
Account Services
Notary Service	$10	Not stated	None
Safe Deposit Box Key Replacement	$30Not compared: Box drilling or key fee	Not stated	None
Garnishments or Levies	$50	Not stated	None
Retirement & IRA
IRA Transfer or Rollover	$50	Not stated	None
Other Fees
Fax (sending or receiving per page)	$1	per item	None
Periodic Statement Reproduction (per statement)	$5	Not stated	None
Photocopies (per page)	$0.25	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

Correct a fee source

Oct 22, 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.

Fee change alerts

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