Community Bank Owatonna

Headquarters: Owatonna, Minnesota
Charter: Bank
Assets: $103.3M
Fed district: Minneapolis
Regulator: FDIC
Holding company: Community Financial Corp.

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

Source: its fee schedule, read Oct 5, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 5, 2026

How these figures are measured

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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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.	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

Details

Source: FDIC BankFind Suite (call report data)
Entity: Community Bank Owatonna (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Community Bank Owatonna: $35
Community Bank Owatonna: $35
U.S. median: no median
Non-Network ATM
Community Bank Owatonna: $2
Community Bank Owatonna: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Community Bank Owatonna: $25
Community Bank Owatonna: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

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.

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).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 $15K.

Service-charge income, Q2 2026

$15K

$15KQ3 2025

$14KQ4 2025

$13KQ1 2026

$15KQ2 2026

Against the median

Community Bank OwatonnaMedian

Sources and open questions

FDIC 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

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.

Banks only
$97M to $110M in assets
Headquartered in 15 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
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.

Fee type

Peer pricing snapshot

Community Bank Owatonna does not publish a monthly maintenance fee in the index.

The peer median is $7 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 4, 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.

Community Bank OwatonnaPeer (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 Community Bank Owatonna (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: $15K
vs prior quarter: +$2K+15.4%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: +$1K+7.1%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Community Bank Owatonna (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

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%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Community Bank Owatonna’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$5
Account Research and/or Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3.95
per month

Overdraft & NSF

NSF Fee$35
per item
NSF fees apply to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means. The$35

ATM & Card

Debit Card Foreign ATM Transaction$2
per item
Debit Card Replacement$10

Wire Transfers

Wire Transfers: Outgoing (Customers Only)$25
Foreign Wire Transfers Outgoing (Customers Only)$50

Check Services

Cashier’s Check (Customer)$7
per item
Money Orders (Customers)$5
per item
Stop Payment$35
per item
Check Cashing (Non-Customer)$5
per item

Cash & Deposit

Charge-Back/Return Item$4
per item
Lost Key for Night Deposit Bag$5

Account Services

Garnishment/Levies$100

Gift & Prepaid Cards

Gift Cards$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$5	Not stated	None
Account Research and/or Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3.95	per month	None
Overdraft & NSF
NSF Fee	$35	per item	None
NSF fees apply to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means. The	$35	Not stated	None
ATM & Card
Debit Card Foreign ATM Transaction	$2	per item	None
Debit Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfers: Outgoing (Customers Only)	$25	Not stated	None
Foreign Wire Transfers Outgoing (Customers Only)	$50	Not stated	None
Check Services
Cashier’s Check (Customer)	$7	per item	None
Money Orders (Customers)	$5	per item	None
Stop Payment	$35	per item	None
Check Cashing (Non-Customer)	$5	per item	None
Cash & Deposit
Charge-Back/Return Item	$4	per item	None
Lost Key for Night Deposit Bag	$5	Not stated	None
Account Services
Garnishment/Levies	$100	Not stated	None
Gift & Prepaid Cards
Gift Cards	$5	per item	None

Correct a fee source

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.

Fee change alerts

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