Compared with Kansas
4 of 17
compared fees are above the median.
5 below, 8 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
83rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kansas median
of 17 compared; 5 below, 8 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Johnson 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) 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 Kansas median | Published fees above the Kansas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Johnson State Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.2% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (83rd 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 $37K in Q2 2026, 5.7% above the same quarter a year earlier ($35K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 17 compared published fees sit above the Kansas median; 5 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 Kansas medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
NOW Account
Can be waived with a balance of $1,000 or more.
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 14% from Q3 2025 to Q2 2026, to $37K. Its share of revenue, 4.2%, is above the 2.1% median for banks with under $300M in assets.
$37K
Johnson State 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.
Johnson State Bank · $97M 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 |
|---|---|---|---|---|---|---|---|
| Johnson State Bank(this institution) | Johnson, KS | $97M | Publishes Monthly maintenance | 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 Lake Village | Lake Village, AR | $91M | Monthly maintenance not published | Publishes Out-of-network ATM | 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 Bank of Missouri | Richmond, MO | $94M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Bank of Oelwein | Oelwein, IA | $95M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| First Bank and Trust Company | Minden, NE | $91M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings Bank of Washington | Washington, IN | $94M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Home National Bank | Racine, OH | $95M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Integrity Bank Plus | Wabasso, MN | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | 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 |
| Junction National Bank | Junction, TX | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mayville State Bank | Mayville, MI | $95M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Miners Exchange Bank | Coeburn, VA | $93M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mutual Federal Bank | Chicago, IL | $97M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Rockland Savings Bank, FSB | Rockland, ME | $91M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | 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 First National Bank of Germantown | Germantown, OH | $96M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Johnson | Johnson, NE | $96M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Miners National Bank of Eveleth | Eveleth, MN | $97M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Ottoville Bank Company | Ottoville, OH | $94M | 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 |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $8.50 among 11 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 Oct 28, 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 Oct 28, 2026. Total assets from FDIC and NCUA records.
Call reports for Johnson State 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 | $37K | −$1K | −2.6% |
| Q1 2026 | $38K | −$3K | −7.3% |
| Q4 2025 | $41K | −$2K | −4.7% |
| Q3 2025 | $43K | +$8K | +22.9% |
| Q2 2025 | $35K | +$4K | +12.9% |
| Q1 2025 | $31K | −$6K | −16.2% |
| Q4 2024 | $37K | −$1K | −2.6% |
| Q3 2024 | $38K | −$1K | −2.6% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Johnson State Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Johnson State Bank by share.
Amounts from Johnson State Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per hour
per hour
per month
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| NOW Account Monthly maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive account charge on accounts with no deposits (other than interest) or withdrawals for a period of three years | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| ❖ Research per hour with a minimum | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Reconciliation per hour | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Research per hour | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement charge - per cycle | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Excess activity charge | $5Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| ❖ Overdraft Fee- created by all debit | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Charge | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Each returned check or withdrawal charge including resubmissions | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Automated Teller Machine (ATM) withdrawal fee from ATM not owned by Johnson State Bank | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement ATM/Debit Card <1 yr | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Visa Check Card International Transaction Fee | 3%of the transaction | Not stated | None |
| Visa Check Card International Transaction Fee (audience not stated, treated as personal) | 3%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfers - Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire Transfers - International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check fee - US Dollars | $7.50Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Foreign Currency Official Check plus costs | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Personal Money Order fee - US Dollars | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Bill Payment Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Requests | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Items sent for collection | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Account Services | |||
| Notary Fee per item | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| ❖ Garnishments | $15Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Duplicate statement per statement month | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Incoming faxes per page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Outgoing faxes, one page | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies per page | $0.25Below the U.S. middle 50% ($2 to $5 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
Nov 1, 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 Johnson State Bank operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $80.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $80.7M |
Largest competitors nearby
Local market: Stanton and Grant counties, KS, where it holds the most deposits.
| 2 in its local market | Deposit share |
|---|---|
| Grant County Bank | 56.4% |
| Dream First Bank, National Association | 24.8% |
This bank holds 18.9% 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.