4 banks and credit unions have branches in Sparta. The Bank Fee Index holds published fees for 3 of them.
The count includes institutions based elsewhere that have a branch here.
Medians for reference: Illinois $7 · U.S. $6.99
Local median not shown; five institutions required.
Pick a fee to compare Sparta with Illinois and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Two published overdraft fees: $25–$36.
Medians for reference: Illinois $30 · U.S. $30
4 institutions, 2 with a published overdraft fee.
Bank · based in Sparta, IL · 1 branch here
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Steeleville, IL · 1 branch here
Account not yet known
“You will be charged our paid item OD fee of $25 for each overdrawn item created by a traditional paper-based check, a teller withdrawal, an automatic payment (ACH) transaction, or”
Bank · based in Chester, IL · 1 branch here
Largest banks by local bank deposits
Share of the $200 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Randolph County
Deposits and branches cover the City of Sparta. Population and income cover Randolph County, the county with most of Sparta's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Randolph County.
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