Compared with Minnesota
7 of 14
compared fees are above the median.
1 below, 6 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
36th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Minnesota median
of 14 compared; 1 below, 6 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Community Bank Owatonna 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 Minnesota median | Published fees above the Minnesota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Community Bank Owatonna's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.6% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (36th 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 $15K in Q2 2026, about level with the same quarter a year earlier ($15K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
7 of 14 compared published fees sit above the Minnesota 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 Minnesota medians for fees published by banks and credit unions.
NSF / Returned Item
Non-Network ATM
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was about level from Q3 2025 to Q2 2026, at $15K. Its share of revenue, 1.6%, is below the 2.1% median for banks with under $300M in assets.
$15K
Community Bank OwatonnaMedian
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.
Community Bank Owatonna · $103M 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 |
|---|---|---|---|---|---|---|---|
| Community Bank Owatonna(this institution) | Owatonna, MN | $103M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 Calhoun County | Hardin, IL | $100M | Monthly maintenance not published | Out-of-network ATM not published | 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 |
| Citizens Bank & Trust Co. | Marks, MS | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Community First Bank | Rosholt, WI | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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 |
| 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 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 |
| Gunnison Savings and Loan Association | Gunnison, CO | $102M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Investors Community Bank | Chillicothe, MO | $98M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Peoples Exchange Bank | Monroeville, AL | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Peoples First Savings Bank | Mason, OH | $100M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Platte Valley Bank | North Bend, NE | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 Citizens National Bank of McConnelsville | McConnelsville, OH | $102M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 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 |
| United Security Bank | Fulton, MO | $97M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| 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 · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.50 among 17 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
Community Bank Owatonna 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 Community Bank Owatonna (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 | $15K | +$2K | +15.4% |
| Q1 2026 | $13K | −$1K | −7.1% |
| Q4 2025 | $14K | −$1K | −6.7% |
| Q3 2025 | $15K | $0 | 0.0% |
| Q2 2025 | $15K | +$2K | +15.4% |
| Q1 2025 | $13K | −$2K | −13.3% |
| Q4 2024 | $15K | +$1K | +7.1% |
| Q3 2024 | $14K | +$1K | +7.7% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Community Bank Owatonna left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Community Bank Owatonna by share.
Amounts from Community Bank Owatonna’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research and/or Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $3.95Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| NSF Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF fees apply to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means. The | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card Foreign ATM Transaction | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing (Customers Only) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Foreign Wire Transfers Outgoing (Customers Only) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check (Customer) | $7Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders (Customers) | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing (Non-Customer) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Cash & Deposit | |||
| Charge-Back/Return Item | $4Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Lost Key for Night Deposit Bag | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Garnishment/Levies | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Oct 5, 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 Community Bank Owatonna operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $94.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 1 | $94.7M |
Largest competitors nearby
Local market: Steele county, MN, where it holds the most deposits.
| 14 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 23.4% |
| United Prairie Bank | 14.2% |
| U.S. Bank National Association | 12.1% |
| Profinium, Inc. | 9.9% |
| Manufacturers Bank & Trust Company | 7.6% |
This bank holds 9.7% 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 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.