Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $1B to $10B

Northwest Bank

Spencer, IowaBankChicago Fed districtFees collected Oct 9, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Balancing/Research$30Above the typical range ($12–$25 nationally)

Overdraft & NSFVerified

Overdraft (Debit or Check Paid)$28Within the typical range ($25–$33 nationally)
$2 below the national median$2 below the Iowa median
per item · Source
Nonsufficient Funds (NSF) Return Item$28Within the typical range ($25–$32 nationally)
$2 below the national median$0.50 below the Iowa median
per item · Source

Wire TransfersVerified

Wire transfers: Domestic Outgoing$20Within the typical range ($20–$25 nationally)
$5 below the national median$1 below the Iowa median
Source
Wire transfers: Domestic Incoming$10Within the typical range ($5–$15 nationally)
At the national medianAt the Iowa median
Source

Check ServicesVerified

Cashier's Check$3Within the typical range ($3–$6 nationally)
$2 below the national median$2 below the Iowa median
per item · Source
Stop Payments$35Above the typical range ($20–$30 nationally)
$7.50 above the national median$10 above the Iowa median
per item · Source
Counter Checks$1Within the typical range ($1–$4 nationally)
$1 below the national median$0.13 below the Iowa median
per item · Source

Cash & DepositVerified

Coin Counting (Non-Customer)10%
—
Source
Returned Deposited Items$7Below the typical range ($8–$25 nationally)
$8 below the national median$2 below the Iowa median
per item · Source

Other FeesVerified

Photocopies$0.25Below the typical range ($2–$5 nationally)
$2.75 below the national median$2.06 below the Iowa median
per item · Source
Statement Copy$1Below the typical range ($2–$5 nationally)
$2 below the national median$1.31 below the Iowa median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Balancing/Research	$30Above the typical range ($12–$25 nationally)	$12.50 above the national median$10 above the Iowa median	—	—	Source
Overdraft & NSFVerified
Overdraft (Debit or Check Paid)	$28Within the typical range ($25–$33 nationally)	$2 below the national median$2 below the Iowa median	per item	—	Source
Nonsufficient Funds (NSF) Return Item	$28
ATM & CardVerified
Card Replacement (Personal or Business ATM/Debit Card)	$10Within the typical range ($5–$10 nationally)	At the national medianAt the Iowa median	—	—	Source
Wire TransfersVerified
Wire transfers: Domestic Outgoing	$20Within the typical range ($20–$25 nationally)	$5 below the national median$1 below the Iowa median	—	—	Source
Wire transfers: Domestic Incoming	$10
Check ServicesVerified
Cashier's Check	$3Within the typical range ($3–$6 nationally)	$2 below the national median$2 below the Iowa median	per item	—	Source
Stop Payments	$35
Cash & DepositVerified
Coin Counting (Non-Customer)	10%	—	—	—	Source
Returned Deposited Items	$7Below the typical range ($8–$25 nationally)	$8 below the national median
Account ServicesVerified
Zipper with Lock (9" X 16”)	$20Below the typical range ($30–$70 nationally)	$25 below the national median$19.99 below the Iowa median	—	—	Source
Other FeesVerified
Photocopies	$0.25Below the typical range ($2–$5 nationally)	$2.75 below the national median$2.06 below the Iowa median	per item	—	Source
Statement Copy	$1

Fee change alerts

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$28

Overdraft fee: $28

7% below the national median overdraft fee

13 verified fees collected

Headline fees published

8 of 15

Published fees

Under review

Assets

$3.0B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$3.0B

Total deposits

$2.6B

Service charge income

$797K

Fee income ratio

2.4%

Return on assets

1.44%

Branches

Service charge income by quarter

Q2 2026$797K

Q1 2026$712K

Q4 2025$811K

Q3 2025$814K

Financial profile · Pro

Performance from regulator filings

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Based on 65,788 published fee entries from 3,612 institutions

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