The Port Austin State Bank

Headquarters: Port Austin, Michigan
Charter: Bank
Assets: $67.8M
Fed district: Chicago
Regulator: FDIC

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

Source: its fee schedule, read Oct 13, 2026.

Overview

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
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 13, 2026

How these figures are measured

Call-report figures are for The Port Austin 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) 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.	The Port Austin State Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 13, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: The Port Austin State Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $3K in Q2 2026, about level with the same quarter a year earlier ($3K).
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.

Stop Payment
The Port Austin State Bank: $15
The Port Austin State Bank: $15
U.S. median: no median
Deposited Item Return
The Port Austin State Bank: $5
The Port Austin State Bank: $5
U.S. median: no median
Garnishment/Levy
The Port Austin State Bank: $50
The Port Austin State Bank: $50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago 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).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 rose 50% from Q3 2025 to Q2 2026, to $3K.

Service-charge income, Q2 2026

$3K

$2KQ3 2025

$2KQ4 2025

$2KQ1 2026

$3KQ2 2026

Against the median

The Port Austin State BankMedian

Sources and open questions

FFIEC 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

The Port Austin State Bank · $68M 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.

Banks only
$58M to $78M in assets
Headquartered in 16 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
The Port Austin State Bank(this institution)	Port Austin, MI	$68M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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 Bearden	Bearden, AR	$67M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Gueydan	Gueydan, LA	$69M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BANK360	Cordell, OK	$61M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Blue Grass Federal Savings and Loan Association	Paris, KY	$59M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	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
Farmers and Merchants Bank of Mound City, Kansas	Mound City, KS	$65M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers State Bank	Booneville, KY	$69M	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 Financial Bank in Winnebago	Winnebago, MN	$58M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
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
Homestead Savings Bank	Albion, MI	$72M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North County Savings Bank	Red Bud, IL	$63M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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 Scotia	Scotia, NE	$61M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Blue Grass Valley Bank	Blue Grass, VA	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The City State Bank	Fort Scott, KS	$58M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	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 Peoples Bank	Gambier, OH	$60M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
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
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 · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

The Port Austin State Bank does not publish a monthly maintenance fee in the index.

The peer median is $7.50 among 15 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

The Port Austin State Bank does not publish a monthly maintenance fee, so it is not on this chart.

The Port Austin State BankPeer (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 Oct 28, 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 The Port Austin State Bank (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: $3K
vs prior quarter: +$1K+50.0%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: +$2K+200.0%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: The Port Austin State Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$3K	+$1K	+50.0%
Q1 2026	$2K	$0	0.0%
Q4 2025	$2K	$0	0.0%
Q3 2025	$2K	−$1K	−33.3%
Q2 2025	$3K	−$1K	−25.0%
Q1 2025	$4K	+$1K	+33.3%
Q4 2024	$3K	+$2K	+200.0%
Q3 2024	$1K	−$2K	−66.7%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from The Port Austin State Bank’s own schedules, with a source for each figure.

ATM & Card

Currency conversion (audience not stated, treated as personal)1%of the transaction

Check Services

Personal Money Orders$3
per item
Stop Payment$15
per item

Cash & Deposit

Deposited Items Returned$5
per item

Account Services

Safe Deposit Box 10x10x20$35
Safe Deposit Box 10x3x20$30
Safe Deposit Box 5x3x20$20
Safe Deposit Box 5x4.4x20$25
Garnishment and Tax Levies$50
per item

Fee	Amount	Basis	Note
ATM & Card
Currency conversion (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Check Services
Personal Money Orders	$3	per item	None
Stop Payment	$15	per item	None
Cash & Deposit
Deposited Items Returned	$5	per item	None
Account Services
Safe Deposit Box 10x10x20	$35	Not stated	None
Safe Deposit Box 10x3x20	$30	Not stated	None
Safe Deposit Box 5x3x20	$20	Not stated	None
Safe Deposit Box 5x4.4x20	$25	Not stated	None
Garnishment and Tax Levies	$50	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

Correct a fee source

Oct 13, 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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