Compared with Iowa
3 of 3
compared fees are above the median.
0 below, 0 about the same.
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
91st percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Iowa median
of 3 compared; 0 below, 0 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for United Bank of Iowa 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 Iowa median | Published fees above the Iowa median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | United Bank of Iowa's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 5.6% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (91st 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 $1.2M in Q2 2026, 4.4% above the same quarter a year earlier ($1.1M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
3 of 3 compared published fees sit above the Iowa median; 0 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 Iowa medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $8.25, the middle of its prices
Overdraft (OD)
Paper Statement
Each amount links to the fee schedule it was read from. Medians for Iowa, 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 5.8% from Q3 2025 to Q2 2026, to $1.2M. Its share of revenue, 5.6%, is above the 2.2% median for banks with $1B to $10B in assets.
$1.2M
United Bank of IowaMedian
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 $7.50 to $9; we compare the midpoint.
United Bank of Iowa · $2.5B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| United Bank of Iowa(this institution) | Ida Grove, IA | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Anderson Brothers Bank | Mullins, SC | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coastal States Bank | Hilton Head Island, SC | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cogent Bank | Orlando, FL | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community National Bank & Trust | Chanute, KS | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cornerstone Bank | Spencer, MA | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| El Dorado Savings Bank, F.S.B. | Placerville, CA | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Extraco Banks, National Association | Temple, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fidelity Bank & Trust | Dubuque, IA | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First County Bank | Stamford, CT | $2.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank | Paragould, AR | $2.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First United Bank | Dimmitt, TX | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Guaranty Bank | Springfield, MO | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Horizon Bank, SSB | Austin, TX | $2.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Intercredit Bank, National Association | Coral Gables, FL | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| John Marshall Bank | Reston, VA | $2.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| KS StateBank | Manhattan, KS | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meridian Bank | Wayne, PA | $2.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Peoples Bank | Bellingham, WA | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| QNB Bank | Quakertown, PA | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| South Shore Bank | South Weymouth, MA | $2.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| TexasBank | Brownwood, TX | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Ephrata National Bank | Ephrata, PA | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Traditional Bank, Inc. | Mount Sterling, KY | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wells Fargo Bank South Central, National Association | Houston, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8.25, the middle of its two prices, against a peer median of $8 among 16 publishing peers.
Its two checking prices are $7.50 and $9.
$8.25 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 United Bank of Iowa (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 | $1.2M | +$37K | +3.3% |
| Q1 2026 | $1.1M | −$55K | −4.6% |
| Q4 2025 | $1.2M | −$54K | −4.3% |
| Q3 2025 | $1.2M | +$121K | +10.8% |
| Q2 2025 | $1.1M | −$41K | −3.5% |
| Q1 2025 | $1.2M | −$20K | −1.7% |
| Q4 2024 | $1.2M | −$85K | −6.7% |
| Q3 2024 | $1.3M | +$95K | +8.1% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, United Bank of Iowa left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to United Bank of Iowa by share.
Amounts from United Bank of Iowa’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly maintenance fee | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee (Classic Checking) | $9Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Paper statements | $3.75Inside the U.S. middle 50% ($2 to $4.98 nationally) | per item | None |
| Paper statements | $3.75Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft (OD) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
Oct 17, 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 Bank of Iowa operates, and what regulators and customers have on file.
Branch footprint
38 offices in 1 state, $2.0B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 32 | $1.8B |
| 4 | $97.0M | |
| 1 | $56.0M | |
| 1 | $45.9M |
Sioux City, IA-NE-SD
2.1% of bank deposits, #15 of 28, up 0.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| The Security National Bank of Sioux City, Iowa | 21.4% |
| Central Bank | 10.8% |
| Wells Fargo Bank, National Association | 9.3% |
| Great Southern Bank | 6.5% |
| Liberty National Bank | 6.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Sioux City, IA-NE-SD, United Bank of Iowa holds 2.1% of bank deposits, #15 of 28, with 4 offices.
77 offices of 33 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 28 institutions shown. $4.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2011 to 2026
June 2026: 2.1% share, 4 offices, #15 of 28
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2011 to 2026.
Credit unions, reported separately
16 offices of 5 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.