Compared with Indiana
12 of 18
compared fees are above the median.
2 below, 4 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
92nd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Indiana median
of 18 compared; 2 below, 4 about the same
See the feesFee schedule read Oct 30, 2026
Call-report figures are for STAR Financial 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 869 banks with $1B to $10B 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 Indiana median | Published fees above the Indiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | STAR Financial Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 30, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 5.9% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (92nd 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 $1.8M in Q2 2026, 1.5% above the same quarter a year earlier ($1.8M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
12 of 18 compared published fees sit above the Indiana median; 2 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 Indiana medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $6.98, the middle of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Indiana, 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 3.6% from Q3 2025 to Q2 2026, to $1.8M. Its share of revenue, 5.9%, is above the 2.2% median for banks with $1B to $10B in assets.
$1.8M
STAR Financial BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $4 to $20; we compare the midpoint.
STAR Financial Bank · $3.2B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| STAR Financial Bank(this institution) | Fort Wayne, IN | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Academy Bank, National Association | Kansas City, MO | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Austin Bank, Texas National Association | Jacksonville, TX | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| BankFirst Financial Services | Columbus, MS | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Banterra Bank | Marion, IL | $3.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| BCB Community Bank | Bayonne, NJ | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| CB&S Bank, Inc. | Russellville, AL | $3.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Centreville Bank | West Warwick, RI | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Exchange Bank | Santa Rosa, CA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers Bank & Trust Company | Magnolia, AR | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fidelity Bank, National Association | Wichita, KS | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Citizens Community Bank | Mansfield, PA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Dakota National Bank | Yankton, SD | $3.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Western Trust Bank | Denver, CO | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lake Ridge Bank | Middleton, WI | $3.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lone Star National Bank | Pharr, TX | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Monet Bank | Plano, TX | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North American Savings Bank, F.S.B. | Grandview, MO | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Northern Bank & Trust Company | Woburn, MA | $3.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Oakstar Bank | Springfield, MO | $3.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Penn Community Bank | Doylestown, PA | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Stearns Bank National Association | Saint Cloud, MN | $3.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| UniBank for Savings | Whitinsville, MA | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Union Savings Bank | Danbury, CT | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Unity Bank | Clinton, NJ | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| WestStar Bank | El Paso, TX | $3.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 19 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $6.98, the middle of its eight prices, against a peer median of $8 among 19 publishing peers.
Its eight checking prices are $4, $4, $5.95, $5.95, $8, $9.95, $9.95 and $20.
$6.98 is a comparison price, not a fee anyone is charged.
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
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 4, 2026. Total assets from FDIC and NCUA records.
Call reports for STAR Financial 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 | $1.8M | +$37K | +2.1% |
| Q1 2026 | $1.8M | −$102K | −5.4% |
| Q4 2025 | $1.9M | −$3K | −0.2% |
| Q3 2025 | $1.9M | +$95K | +5.3% |
| Q2 2025 | $1.8M | +$109K | +6.5% |
| Q1 2025 | $1.7M | −$153K | −8.4% |
| Q4 2024 | $1.8M | $0 | 0.0% |
| Q3 2024 | $1.8M | +$39K | +2.2% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, STAR Financial Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to STAR Financial Bank by share.
Amounts from STAR Financial 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 item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Interest Checking Monthly Service Fee | $9.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $5.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $9.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Premium Checking Monthly Service Fee | $5.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing Fee (less than 180 days) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Paper Statement Fee | $7Above the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Excess Withdrawal Fee | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Return Item Fee (Max 6 [$222.00/day] for retail customers) (unlimited for commercial customers) | $37Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection Transfer | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Service Charge | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Service Charge International | $4Inside the U.S. middle 50% ($2.06 to $5 nationally) | Not stated | None |
| ATM/Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ATM/Debit Card Overnight | $75Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Outgoing Domestic Incoming Domestic Outgoing International (Correspondent fees additional) | $35Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $8Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment (single item or range) | $37Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing Charge (non-customer) | $8Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Fee | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Foreign Check Processing | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Account Services | |||
| Notary Service | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Legal Processing | $125Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Oct 30, 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 STAR Financial Bank operates, and what regulators and customers have on file.
Branch footprint
37 offices in 1 state, $2.8B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 16 | $1.1B | |
| 10 | $1.0B | |
| Outside a metro area | 6 | $429.3M |
| 3 | $243.8M | |
| 2 | $51.9M |
Indianapolis-Carmel-Greenwood, IN
1.2% of bank deposits, #14 of 49, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 16.7% |
| Merchants Bank of Indiana | 14.8% |
| PNC Bank, National Association | 14.1% |
| Fifth Third Bank, National Association | 6.9% |
| The Huntington National Bank | 6.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Indianapolis-Carmel-Greenwood, IN, STAR Financial Bank holds 1.2% of bank deposits, #14 of 49, with 16 offices.
605 offices of 83 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 49 institutions shown. $91.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.2% share, 16 offices, #14 of 49
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
127 offices of 34 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 4, 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.