Compared with Colorado
2 of 17
compared fees are above the median.
12 below, 3 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
66th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Colorado median
of 17 compared; 12 below, 3 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for McClave 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 Colorado median | Published fees above the Colorado median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | McClave State Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.8% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (66th 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 $28K in Q2 2026, 27% above the same quarter a year earlier ($22K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 17 compared published fees sit above the Colorado median; 12 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 Colorado medians for fees published by banks and credit unions.
Monthly Maintenance
Regular Checking $3.50 to $15 · Silver Checking Account $10 · Gold Checking Account $15
Compared at $10, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Colorado, 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 was about level from Q3 2025 to Q2 2026, at $28K. Its share of revenue, 2.8%, is above the 2.1% median for banks with under $300M in assets.
$28K
McClave 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. *Monthly maintenance: Listed at $3.50 to $15; we compare the midpoint.
McClave State Bank · $79M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| McClave State Bank(this institution) | McClave, CO | $79M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| American State Bank of Grygla | Grygla, MN | $82M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Anchor State Bank | Anchor, IL | $73M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Ontario | Ontario, WI | $79M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens National Bank of Crosbyton | Crosbyton, TX | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Conneaut Savings Bank | Conneaut, OH | $77M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Connect Community Bank | Raymond, WA | $73M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Bank | Arnett, OK | $80M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers State Bank of Trimont | Trimont, MN | $73M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Heritage Bank | Shenandoah, IA | $72M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank of South Padre Island | South Padre Island, TX | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Five Rivers Bank | Paramus, NJ | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Haskell National Bank | Haskell, TX | $73M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Highland Federal Savings and Loan Association | Crossville, TN | $79M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Homestead Savings Bank | Albion, MI | $72M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independence State Bank | Independence, WI | $84M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Park Bank, National Association | Holmen, WI | $76M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Redemption Bank | Salt Lake City, UT | $78M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sherwood Community Bank | Creighton, MO | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of Cold Spring | Cold Spring, MN | $82M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The Atlanta National Bank | Atlanta, IL | $81M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Blanchester | Blanchester, OH | $78M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Howard State Bank, Howard, Kansas | Howard, KS | $80M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The State Bank of Pearl City | Pearl City, IL | $73M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Tri-Valley Bank | Randolph, IA | $83M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Union State Bank | Uniontown, KS | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its five prices, against a peer median of $8 among 9 publishing peers.
Its five checking prices are $3.50, $10, $10, $15 and $15.
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
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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for McClave 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 | $28K | −$2K | −6.7% |
| Q1 2026 | $30K | $0 | 0.0% |
| Q4 2025 | $30K | +$2K | +7.1% |
| Q3 2025 | $28K | +$6K | +27.3% |
| Q2 2025 | $22K | $0 | 0.0% |
| Q1 2025 | $22K | +$1K | +4.8% |
| Q4 2024 | $21K | −$2K | −8.7% |
| Q3 2024 | $23K | +$3K | +15.0% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, McClave 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 McClave State Bank by share.
Amounts from McClave State Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per month
per month
per month
per month
per month
per hour
per year
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Gold Checking Account Monthly service charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge | $3.50Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Silver Checking Account Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge (account balance falls below $1,000.00) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge (account balance falls below $1,000.00) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge (account balance falls below $2,500.00) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge (account balance falls below $2,500.00) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge (account balance falls below $500.00) | $3.50Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge (account balance falls below $500.00) | $3.50Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant service charge (per statement) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research/Balance Checkbook (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Charge (per item) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Charge (per item) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Continuous Overdraft Charge | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
ATM & Card | |||
| ATM/Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing wire transfer | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming wire transfer | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier Checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payments | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (per check) | $0.25Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Cash & Deposit | |||
| Cash Advance Non-Customers (flat fee) | $5Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box 3 X 10 X 21 (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 6 X 10 X 21 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 9 X 10 X 21 (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishments/Levy’s | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| FAX received (per page) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| FAX sent (flat fee) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies (per page) | $0.10Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Reprints (per statement) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Extension Fee | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | 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 2, 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 McClave State Bank operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $65.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $65.5M |
Largest competitors nearby
Local market: Bent and Prowers counties, CO, where it holds the most deposits.
| 7 in its local market | Deposit share |
|---|---|
| Frontier Bank | 27.9% |
| First National Bank Colorado | 18.4% |
| Community State Bank | 17.1% |
| GNBank, National Association | 11.2% |
| TBK BANK, SSB | 9.6% |
This bank holds 9.4% 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.
Fee change alerts
We check once a day and send one email covering every change.