Compared with Wisconsin
2 of 9
compared fees are above the median.
5 below, 2 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
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
75th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Wisconsin median
of 9 compared; 5 below, 2 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Bank of Ontario 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) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 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 | 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 Wisconsin median | Published fees above the Wisconsin median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Bank of Ontario's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.4% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (75th 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 $36K in Q2 2026, 37% below the same quarter a year earlier ($57K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 9 compared published fees sit above the Wisconsin 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 Wisconsin medians for fees published by banks and credit unions.
Overdraft (OD)
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 43% from Q3 2025 to Q2 2026, to $36K. Its share of revenue, 3.4%, is above the 2.1% median for banks with under $300M in assets.
$36K
Bank of OntarioMedian
FDIC 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.
Bank of Ontario · $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 |
|---|---|---|---|---|---|---|---|
| Bank of Ontario(this institution) | Ontario, WI | $79M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| 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 |
| 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 |
| McClave State Bank | McClave, CO | $79M | Publishes Monthly maintenance | 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 First State Bank of Red Wing | Red Wing, MN | $86M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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
The peer median is $8 among 9 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
Bank of Ontario 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 Bank of Ontario (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 | $36K | +$2K | +5.9% |
| Q1 2026 | $34K | −$22K | −39.3% |
| Q4 2025 | $56K | −$7K | −11.1% |
| Q3 2025 | $63K | +$6K | +10.5% |
| Q2 2025 | $57K | +$1K | +1.8% |
| Q1 2025 | $56K | −$3K | −5.1% |
| Q4 2024 | $59K | −$3K | −4.8% |
| Q3 2024 | $62K | −$3K | −4.6% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Bank of Ontario left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Bank of Ontario by share.
Amounts from Bank of Ontario’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item · Each overdraft paid via check, in-person withdrawal, or other electronic means
per item
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Balancing Assistance (per hour) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (per hour) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Paid (per item) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | Each overdraft paid via check, in-person withdrawal, or other electronic means |
ATM & Card | |||
| Replace Debit Card - | $40Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire (US Currency) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Money Order | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (per item) - | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Non-Customer Check Cashing (% of Check Face Value) | 5% | Not stated | None |
| Non-Customer Check Cashing (% of Check Face Value) (audience not stated, treated as personal) | 5% | Not stated | None |
Cash & Deposit | |||
| Coin Counting (% of amount counted) | 10% | Not stated | None |
| Deposited Checks Returned Unpaid | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service (each document) - | $0.50Not compared: Charged per document; comparison unavailable | per document | None |
| Tax Levy - | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax – Incoming – Each Page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax – Outgoing – 1st page | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax – Outgoing – Additional Pages | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies (per page) | $0.25Not compared: Charged per page; comparison unavailable | per page | 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 3, 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 Bank of Ontario operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $67.4M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $67.4M |
La Crosse-Onalaska, WI-MN
1.4% of bank deposits, #17 of 24, up 1.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 14.5% |
| River Bank | 10.5% |
| Associated Bank, National Association | 10.4% |
| Merchants Bank, National Association | 9.5% |
| Citizens State Bank of La Crosse | 8.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In La Crosse-Onalaska, WI-MN, Bank of Ontario holds 1.4% of bank deposits, #17 of 24, with 3 offices.
87 offices of 34 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 24 institutions shown. $4.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2023 to 2026
June 2026: 1.4% share, 3 offices, #17 of 24
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2023 to 2026.
Credit unions, reported separately
29 offices of 11 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
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.