Compared with South Dakota
10 of 19
compared fees are above the median.
4 below, 5 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
40th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the South Dakota median
of 19 compared; 4 below, 5 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Sunrise Banks, National Association 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 South Dakota median | Published fees above the South Dakota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Sunrise Banks, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.8% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (40th 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 $688K in Q2 2026, 7.0% below the same quarter a year earlier ($740K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
10 of 19 compared published fees sit above the South Dakota 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 South Dakota medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
Apply Online for an Account $3 · Rise Checking $5 · Account Opening and Usage $10 · UChoose Checking Rewards $10
Compared at $7.50, the middle of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for South Dakota, 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 11% from Q3 2025 to Q2 2026, to $688K. Its share of revenue, 1.8%, is below the 2.2% median for banks with $1B to $10B in assets.
$688K
Sunrise Banks, National AssociationMedian
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 $3 to $10; we compare the midpoint.
Sunrise Banks, National Association · $2.8B 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 |
|---|---|---|---|---|---|---|---|
| Sunrise Banks, National Association(this institution) | Sioux Falls, SD | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| ANB Bank | Denver, CO | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Avidia Bank | Hudson, MA | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank Independent | Sheffield, AL | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| BayCoast Bank | Swansea, MA | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cedar Rapids Bank and Trust Company | Cedar Rapids, IA | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Cornerstone Bank | York, NE | $2.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Emprise Bank | Wichita, KS | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| FCB Banks | Collinsville, IL | $2.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings and Loan Association of Lakewood | Lakewood, OH | $2.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Home Federal Bank of Tennessee | Knoxville, TN | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| INB, National Association | Springfield, IL | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Industrial and Commercial Bank of China USA, National Association | New York, NY | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Ion Bank | Naugatuck, CT | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Machias Savings Bank | Machias, ME | $2.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants Bank, National Association | Winona, MN | $2.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Minnwest Bank | Redwood Falls, MN | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| National Exchange Bank and Trust | Fond du Lac, WI | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| NEXTIER BANK, NATIONAL ASSOCIATION | Kittanning, PA | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Shore Bank | Brookfield, WI | $2.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| One Community Bank | Oregon, WI | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Open Bank | Los Angeles, CA | $2.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Quad City Bank and Trust Company | Bettendorf, IA | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| State Bank of Southern Utah | Cedar City, UT | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wayne Bank | Honesdale, PA | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Westfield Bank | Westfield, MA | $2.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7.50, the middle of its four prices, against a peer median of $8 among 12 publishing peers.
Its four checking prices are $3, $5, $10 and $10.
$7.50 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 2, 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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Sunrise Banks, National Association (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 | $688K | −$84K | −10.9% |
| Q1 2026 | $772K | +$30K | +4.0% |
| Q4 2025 | $742K | −$34K | −4.4% |
| Q3 2025 | $776K | +$36K | +4.9% |
| Q2 2025 | $740K | +$109K | +17.3% |
| Q1 2025 | $631K | −$9K | −1.4% |
| Q4 2024 | $640K | +$7K | +1.1% |
| Q3 2024 | $633K | +$23K | +3.8% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Sunrise Banks, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Sunrise Banks, National Association by share.
Amounts from Sunrise Banks, National Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month · waived if you have direct deposit each statement cycle into this account
per month
per month
per month
per month
per month
per month
per month
per item
per item
per item
per item
per item
per item
per page
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | waived if you have direct deposit each statement cycle into this account |
| Monthly Maintenance | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Rise Checking Monthly Maintenance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure if within 6 months | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Inactivity Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Checking Account Inactivity Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Mailed Account Statement | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Monthly Paper Statement Fee | $4.95Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Paper Statements are the default for all accounts. The | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Paper Statements are the default for all accounts. The | $1.50Below the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Paper Statements are the default for all accounts. The | $4.95Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Paid Item Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item Nonsufficient Funds (NSF) Charge | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM/Check Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Domestic Wires: Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic Wires: Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Foreign Wires: Outgoing | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check Reissuance/Indemnity | $25Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier’s Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Online Banking Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Canadian Item Deposited | $5Below the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Collection Item, Incoming and Outgoing | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copies of Checks | $0.50Not compared: Charged per page; comparison unavailable | per page | None |
Cash & Deposit | |||
| Coin Counting (non-customer) (audience not stated, treated as personal) | 10% | Not stated | None |
| Returned Deposited Item Fee | $4Below the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Late Payment | 10% | per year | None |
| Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10″x10″ (audience not stated, treated as personal) | $190Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10″x10″ (audience not stated, treated as personal) | $150Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2″x5″ (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3″x10″ (audience not stated, treated as personal) | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5″x10″ (audience not stated, treated as personal) | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5″x10″ (audience not stated, treated as personal) | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5″x5″ (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishment/Levy Execution | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Account Verification Letters | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Account Statement Printout | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | 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 1, 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 Sunrise Banks, National Association operates, and what regulators and customers have on file.
Branch footprint
5 offices in 2 states, $2.5B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 2 | $1.7B | |
| 3 | $813.3M |
Sioux Falls, SD-MN
0.2% of bank deposits, #6 of 42, up 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Citibank, National Association | 56.5% |
| Wells Fargo Bank, National Association | 41% |
| The Bancorp Bank, National Association | 0.7% |
| Pathward, National Association | 0.5% |
| First PREMIER Bank | 0.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Sioux Falls, SD-MN, Sunrise Banks, National Association holds 0.2% of bank deposits, #6 of 42, with 2 offices.
The fee comparison uses its home metro, Minneapolis-St. Paul-Bloomington, MN-WI.
159 offices of 47 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.
8 of 42 institutions shown. $1.1T in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2012 to 2026
June 2026: 0.2% share, 2 offices, #6 of 42
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2012 to 2026.
Credit unions, reported separately
23 offices of 6 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 OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and 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.