Horicon Bank

Headquarters: Horicon, Wisconsin
Charter: Bank
Assets: $1.7B
Fed district: Chicago
Regulator: FDIC
Holding company: Horicon Bk Profit Sharing&employee Stk Ownership Plan

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 4, 2026.

Overview

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
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 4, 2026

How these figures are measured

Call-report figures are for Horicon 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) 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.	Horicon Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 4, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Horicon Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $371K in Q2 2026, 6.3% below the same quarter a year earlier ($396K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Horicon Bank: $30
Horicon Bank: $30
U.S. median: no median
NSF / Returned Item
Horicon Bank: $30
Horicon Bank: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Horicon Bank: $20 to $30
Horicon Bank: $20 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Wisconsin: Banks and credit unions headquartered in Wisconsin that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 5.4% from Q3 2025 to Q2 2026, to $371K.

Service-charge income, Q2 2026

$371K

$392KQ3 2025

$383KQ4 2025

$378KQ1 2026

$371KQ2 2026

Against the median

Horicon BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Horicon Bank · $1.7B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.

Banks only
$1.6B to $1.7B in assets
Headquartered in 21 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Horicon Bank(this institution)	Horicon, WI	$1.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alma Bank	Astoria, NY	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
BankSouth	Greensboro, GA	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Benchmark Bank	Plano, TX	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
BOM Bank	Natchitoches, LA	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cape & Coast Bank	Yarmouth Port, MA	$1.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Chambers Bank	Danville, AR	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Bank	Carmichaels, PA	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Forcht Bank, National Association	Lexington, KY	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Grasshopper Bank, N.A.	New York, NY	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
International Bank of Commerce	Oklahoma City, OK	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
International Finance Bank	Miami, FL	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Landmark National Bank	Manhattan, KS	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Main Street Bank	Marlborough, MA	$1.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Meredith Village Savings Bank	Meredith, NH	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Northfield Savings Bank	Northfield, VT	$1.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific National Bank	Miami, FL	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
PrimeSouth Bank	Blackshear, GA	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Security Bank and Trust Company	Paris, TN	$1.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Servbank, National Association	Oswego, IL	$1.7B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Nodaway Valley Bank	Maryville, MO	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Ohio Valley Bank Company	Gallipolis, OH	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Security National Bank of Sioux City, Iowa	Sioux City, IA	$1.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Transportation Alliance Bank, Inc. d/b/a TAB Bank	Ogden, UT	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
US Metro Bank	Garden Grove, CA	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Virginia National Bank	Charlottesville, VA	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Horicon Bank does not publish a monthly maintenance fee in the index.

The peer median is $9 among 17 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 Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Horicon Bank does not publish a monthly maintenance fee, so it is not on this chart.

Horicon BankPeer (equal prices stack)Peer medianInclude 2 outliers ($45, $50)Shown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Horicon Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $371K
vs prior quarter: −$7K−1.9%; from Q1 2026
vs a year earlier: −$25K−6.3%; from Q2 2025
vs start of range: +$65K+21.2%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Horicon Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$371K	−$7K	−1.9%
Q1 2026	$378K	−$5K	−1.3%
Q4 2025	$383K	−$9K	−2.3%
Q3 2025	$392K	−$4K	−1.0%
Q2 2025	$396K	−$12K	−2.9%
Q1 2025	$408K	+$113K	+38.3%
Q4 2024	$295K	−$11K	−3.6%
Q3 2024	$306K	+$16K	+5.5%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Horicon Bank’s own schedules, with a source for each figure.

Account Maintenance

Account closed within 90 days$25
Dormant account fee (when balance is less than $50)$5
Escheated account(s)$20
Inactive service charge (monthly)$10
per month
Account reconciliation (hourly)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account research (hourly)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Charge$5

Overdraft & NSF

Overdraft item$30
Returned item service charge$30

ATM & Card

ATM/debit card replacement$10

Wire Transfers

Domestic outgoing wire charge in branch$30
Domestic outgoing wire charge online$20
Domestic incoming wire charge$15
International outgoing wire charge in branch: Starting$55
International outgoing wire charge online: Starting$45
International incoming wire charge: Starting$45

Check Services

Cashier’s check service charge$5
Stop payment$30
Counter check service charge$1
per item
Check cashing for non-customer$5
Collection item charge$20
Foreign check processing$10

Cash & Deposit

Coin counting (audience not stated, treated as personal)10%

Account Services

Safe deposit box late charge (monthly)$5
Not compared: Monthly charge, not annual
per month
Safe deposit box replacement key$20
Not compared: Box drilling or key fee
Garnishment/levy charge$50

Other Fees

Photocopies (per page)$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Account closed within 90 days	$25	Not stated	None
Dormant account fee (when balance is less than $50)	$5	Not stated	None
Escheated account(s)	$20	Not stated	None
Inactive service charge (monthly)	$10	per month	None
Account reconciliation (hourly)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account research (hourly)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Charge	$5	Not stated	None
Overdraft & NSF
Overdraft item	$30	Not stated	None
Returned item service charge	$30	Not stated	None
ATM & Card
ATM/debit card replacement	$10	Not stated	None
Wire Transfers
Domestic outgoing wire charge in branch	$30	Not stated	None
Domestic outgoing wire charge online	$20	Not stated	None
Domestic incoming wire charge	$15	Not stated	None
International outgoing wire charge in branch: Starting	$55	Not stated	None
International outgoing wire charge online: Starting	$45	Not stated	None
International incoming wire charge: Starting	$45	Not stated	None
Check Services
Cashier’s check service charge	$5	Not stated	None
Stop payment	$30	Not stated	None
Counter check service charge	$1	per item	None
Check cashing for non-customer	$5	Not stated	None
Collection item charge	$20	Not stated	None
Foreign check processing	$10	Not stated	None
Cash & Deposit
Coin counting (audience not stated, treated as personal)	10%	Not stated	None
Account Services
Safe deposit box late charge (monthly)	$5Not compared: Monthly charge, not annual	per month	None
Safe deposit box replacement key	$20Not compared: Box drilling or key fee	Not stated	None
Garnishment/levy charge	$50	Not stated	None
Other Fees
Photocopies (per page)	$0.25	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 4, 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.

Branches and public record

Where Horicon Bank operates, and what regulators and customers have on file.

Market position

In Milwaukee-Waukesha, WI, Horicon Bank holds 0.4% of bank deposits, #25 of 43, with 5 offices.

Compare fees with the 54 Milwaukee-Waukesha, WI banks and credit unions in its home-metro peer set →

Offices in the metro

545 offices of 87 institutions shown.

Horicon BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Milwaukee-Waukesha, WI metro (FDIC metro code 33340), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 18 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1U.S. Bank National Association34.3%
2BMO Bank National Association12.8%
3JPMorgan Chase Bank, National Association11.4%
4Associated Bank, National Association10.6%
5Town Bank, National Association3.5%
6Bank Five Nine2.6%
7PNC Bank, National Association2.3%
8Wells Fargo Bank, National Association2.0%
25Horicon Bank0.4%

9 of 43 institutions shown. $79.9B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Milwaukee-Waukesha, WI metro (FDIC metro code 33340)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.4% share, 5 offices, #25 of 43

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Milwaukee-Waukesha, WI metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

146 offices of 48 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.

Fee change alerts

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