24 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 17, 2026.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 17, 2026
Call-report figures are for Guaranty 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) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | 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) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Guaranty Bank'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-charge income was $308K in Q2 2026, 31% below the same quarter a year earlier ($449K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 35% from Q3 2025 to Q2 2026, to $308K.
$308K
Guaranty BankMedian
FFIEC and FDIC call reportss, bank level, standalone quarters. Four quarters are too few to call a trend.
Guaranty Bank · $2.4B 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 |
|---|---|---|---|---|---|---|---|
| Guaranty Bank(this institution) | Springfield, MO | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| Bank Iowa | West Des Moines, IA | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cashmere Valley Bank | Cashmere, WA | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| Colorado Federal Savings Bank | Greenwood Village, CO | $2.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Commercial Bank | Harrogate, TN | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Crews Bank & Trust | Wauchula, FL | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| Farmers and Merchants Trust Company of Chambersburg | Chambersburg, PA | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank of the Lake | Osage Beach, MO | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | 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 United Bank | Dimmitt, TX | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 |
| Luana Savings Bank | Luana, IA | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Omb Bank | Springfield, MO | $2.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Peoples Bank | Bellingham, WA | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pioneer Bank, National Association | Albany, NY | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 |
| Security First Bank | Lincoln, NE | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas First Bank | Texas City, TX | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank of Commerce | Ammon, ID | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7.50, the middle of its two prices, against a peer median of $9.25 among 18 publishing peers.
Its two checking prices are $5 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 Oct 31, 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Guaranty 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 | $308K | −$93K | −23.2% |
| Q1 2026 | $401K | +$61K | +17.9% |
| Q4 2025 | $340K | −$136K | −28.6% |
| Q3 2025 | $476K | +$27K | +6.0% |
| Q2 2025 | $449K | −$1K | −0.2% |
| Q1 2025 | $450K | −$22K | −4.7% |
| Q4 2024 | $472K | −$82K | −14.8% |
| Q3 2024 | $554K | +$190K | +52.2% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Guaranty Bank’s own schedules, with a source for each figure.
per month
per month
per hour
per hour
per month
per month
per item
per hour · Subpoenas/Summonses Appearance (per hour) | $75.00
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge | $10 | per month | None |
| Monthly service charge | $5 | per month | None |
| Early Closure fee (within first 90 days) | $20 | Not stated | None |
| Dormant Fee Checking | $10 | Not stated | None |
| Dormant Fee Savings/Money Market/Health Savings | $10 | Not stated | None |
| Account Balancing (per hour-one hour minimum) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (per hour-one hour minimum) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly paper statement fee | $2 | per month | None |
| To avoid a monthly paper statement fee | $3 | per month | None |
| Returned Mail Fee | $5 | Not stated | None |
Overdraft & NSF | |||
| NSF: Overdraft Fee (item paid) | $35 | Not stated | None |
ATM & Card | |||
| ATM Service Charge for Non Guaranty Bank ATM Inquiry | $2.50 | Not stated | None |
| ATM Service Charge for Non Guaranty Bank ATM Withdrawal | $2.50 | Not stated | None |
| ATM/Debit Card Replacement Fee | $10 | Not stated | None |
| Expedited Debit Card Replacement | $75 | Not stated | None |
Wire Transfers | |||
| Outgoing Wire | $30 | Not stated | None |
| Incoming Wire | $15 | Not stated | None |
| Foreign Wire | $55 | Not stated | None |
Check Services | |||
| Official Checks | $5 | Not stated | None |
| Stop Payment Fee (per item-electronic or check) | $35 | per item | None |
| Check Printing Charge (counter checks price for 4) | $1 | Not stated | None |
Digital & Electronic | |||
| Same Day ACH Origination Fee | $20 | Not stated | None |
| Standard ACH Origination Fee | $3 | Not stated | None |
Cash & Deposit | |||
| Return Deposited Item Fee (deposited item returned) | $8 | Not stated | None |
Account Services | |||
| Notary Services (Non-Customers) | $5 | Not stated | None |
| Drilling Fee/Replacement Key | $100Not compared: Box drilling or key fee | Not stated | None |
| For Personal Checking Accounts Only: Safe Deposit Late fee | $20Not compared: Box drilling or key fee | Not stated | None |
| Returned and Rejected Items: 3x10 | $40 | Not stated | None |
| Safe Deposit Box 10x10 | $80 | Not stated | None |
| Safe Deposit Box 16x10 | $100 | Not stated | None |
| Safe Deposit Box 3x5 | $25 | Not stated | None |
| Safe Deposit Box 5x10 | $60 | Not stated | None |
| Safe Deposit Box 5x5 | $35 | Not stated | None |
| Garnishments/Levy Fee | $60 | per item | None |
| Subpoenas/Summonses Appearance (per hour) | $75Not compared: Charged per hour; comparison unavailable | per hour | Subpoenas/Summonses Appearance (per hour) | $75.00 |
| Deposit Verification Fee | $10 | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $50 | Not stated | None |
Gift & Prepaid Cards | |||
| Deposits to Reloadable Prepaid Card | $3 | Not stated | None |
| Gift Card | $3.50 | Not stated | None |
| Reloadable Prepaid Card | $5 | Not stated | None |
| Secondary Reloadable Prepaid Card (tied to primary) | $2.50 | Not stated | None |
Other Fees | |||
| BankOn Statement Copy (per statement) | $2 | Not stated | None |
| Duplicate Statement Copy (per statement) | $3 | Not stated | None |
| Photocopies (per page) | $1Not compared: Charged per page; comparison unavailable | per page | 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 Guaranty Bank operates, and what regulators and customers have on file.
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.
Holding company
QCR HOLDINGS INC (Nasdaq: QCRH)
Consolidated assets
$9.5B
Shareholders' equity
$1.1B
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 906465. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.