Compared with Minnesota
11 of 18
compared fees are above the median.
4 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
34th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Minnesota median
of 18 compared; 4 below, 3 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for United Minnesota 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 Minnesota median | Published fees above the Minnesota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | United Minnesota Bank'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 1.5% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (34th 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 $10K in Q2 2026, 17% below the same quarter a year earlier ($12K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
11 of 18 compared published fees sit above the Minnesota median; 4 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 Minnesota medians for fees published by banks and credit unions.
Overdraft (OD)
Non-Network ATM
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 29% from Q3 2025 to Q2 2026, to $10K. Its share of revenue, 1.5%, is below the 2.1% median for banks with under $300M in assets.
$10K
United Minnesota 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.
United Minnesota Bank · $57M 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 |
|---|---|---|---|---|---|---|---|
| United Minnesota Bank(this institution) | New London, MN | $57M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 Brewton | Brewton, AL | $50M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BANK360 | Cordell, OK | $61M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Benton County State Bank | Blairstown, IA | $51M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| Community First Bank, National Association | Forest, OH | $56M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Community National Bank in Monmouth | Monmouth, IL | $55M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| 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, Allen, Oklahoma | Allen, OK | $57M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Fortuna Bank | Grandview Heights, OH | $57M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lamont Bank of St. John | Saint John, WA | $51M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| Richton Bank & Trust Company | Richton, MS | $52M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sidney Federal Savings and Loan Association | Sidney, NE | $56M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Bank of Lake Park | Lake Park, MN | $47M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | 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 |
| State National Bank | Groom, TX | $55M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Talbot State Bank | Woodland, GA | $52M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | 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 Farmers National Bank of Waurika | Waurika, OK | $56M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Mer Rouge State Bank | Mer Rouge, LA | $52M | Monthly maintenance not published | Out-of-network ATM not published | 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 Exchange Bank | Mankato, KS | $51M | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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.
Peer pricing snapshot
The peer median is $5 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 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
United Minnesota Bank 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 Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for United Minnesota 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 | $10K | −$2K | −16.7% |
| Q1 2026 | $12K | −$2K | −14.3% |
| Q4 2025 | $14K | $0 | 0.0% |
| Q3 2025 | $14K | +$2K | +16.7% |
| Q2 2025 | $12K | +$1K | +9.1% |
| Q1 2025 | $11K | +$1K | +10.0% |
| Q4 2024 | $10K | −$1K | −9.1% |
| Q3 2024 | $11K | $0 | 0.0% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, United Minnesota Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to United Minnesota Bank by share.
Amounts from United Minnesota Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure within 90 Days For all checking & savings accounts | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Per Statement Cycle | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Checkbook Reconcilement Personal | $30Above the U.S. middle 50% ($7 to $25 nationally) | Not stated | None |
| Returned Mail | No chargeBelow the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Paid Item and NSF Return Item Charge Per Item | $34Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
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 United Minnesota Bank operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $52.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 1 | $52.5M |
Largest competitors nearby
Local market: Kandiyohi county, MN, where it holds the most deposits.
| 12 in its local market | Deposit share |
|---|---|
| Old National Bank | 23.2% |
| Heritage Bank National Association | 16.6% |
| Wells Fargo Bank, National Association | 10.6% |
| Lake Region Bank | 8.2% |
| PrinsBank | 7.1% |
This bank holds 3.1% 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