Compared with Illinois
9 of 20
compared fees are above the median.
4 below, 7 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
11th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Illinois median
of 20 compared; 4 below, 7 about the same
See the feesFee schedule read Oct 4, 2026
Call-report figures are for Liberty Bank for Savings 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 1,412 banks with $300M to $1B 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 Illinois median | Published fees above the Illinois median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Liberty Bank for Savings'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
Service charges were 0.7% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (11th 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 $42K in Q2 2026, 14% below the same quarter a year earlier ($49K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
9 of 20 compared published fees sit above the Illinois 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 Illinois medians for fees published by banks and credit unions.
Non-Network ATM
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Illinois, 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 21% from Q3 2025 to Q2 2026, to $42K. Its share of revenue, 0.7%, is below the 2.1% median for banks with $300M to $1B in assets.
$42K
Liberty Bank for SavingsMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Liberty Bank for Savings · $869M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Liberty Bank for Savings(this institution) | Chicago, IL | $869M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| BankIowa | Cedar Rapids, IA | $846M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BayVanguard Bank | Baltimore, MD | $869M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bogota Savings Bank | Teaneck, NJ | $872M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Falcon National Bank | Foley, MN | $872M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Bank | Upperco, MD | $874M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers National Bank | Prophetstown, IL | $896M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Bank | Ketchikan, AK | $890M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Liberty Bank | Oklahoma City, OK | $885M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Southern State Bank | Stevenson, AL | $893M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Focus Bank | Charleston, MO | $854M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Harmony Bank | Dallas, TX | $855M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hawaii National Bank | Honolulu, HI | $872M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Legacy Bank | Colwich, KS | $865M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Newfield National Bank | Newfield, NJ | $889M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pendleton Community Bank, Inc. | Franklin, WV | $850M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pioneer Bank | Mapleton, MN | $884M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Savings Bank of Walpole | Walpole, NH | $858M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southwest Heritage Bank | Scottsdale, AZ | $893M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas National Bank of Jacksonville | Jacksonville, TX | $852M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Old Fort Banking Company | Old Fort, OH | $844M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Savings Bank | Wakefield, MA | $891M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Titan Bank, N.A. | Mineral Wells, TX | $896M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Unified Bank | Martins Ferry, OH | $872M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Southern Bank | Umatilla, FL | $843M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Windsor Federal Bank | Windsor, CT | $895M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ 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.
Peer pricing snapshot
The peer median is $8 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 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Liberty Bank for Savings does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Liberty Bank for Savings (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 | $42K | +$4K | +10.5% |
| Q1 2026 | $38K | −$1K | −2.6% |
| Q4 2025 | $39K | −$14K | −26.4% |
| Q3 2025 | $53K | +$4K | +8.2% |
| Q2 2025 | $49K | +$2K | +4.3% |
| Q1 2025 | $47K | +$3K | +6.8% |
| Q4 2024 | $44K | $0 | 0.0% |
| Q3 2024 | $44K | −$14K | −24.1% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Liberty Bank for Savings left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Liberty Bank for Savings by share.
Amounts from Liberty Bank for Savings’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed account during first 90 days | $40Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity fees for checking (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactivity fees for money market (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactivity fees for savings | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Statement reconciliation and statement / check requests | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Libby® eChecking Basics paper statement | $5Above the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
ATM & Card | |||
| ATM transaction outside of the PLUS/MoneyPass® networks (audience not stated, treated as personal) | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit card replacement (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited shipping fee (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign transaction fee (multi currency) (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire transfers - domestic outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfers - domestic incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire transfers - foreign outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire transfers - foreign incoming | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s check (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money order (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop payment (ACH debit or check) | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary check fee (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Foreign check collection fee | $30Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Account Services | |||
| Box Drilling | $250Not compared: Box drilling or key fee | Not stated | None |
| Box Inventory | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Key Deposit / Replacement | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10” x 10” | $175Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10” x 10” (audience not stated, treated as personal) | $195Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10” x 10” (audience not stated, treated as personal) | $175Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2” x 5” | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2” x 5” (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2” x 5” (audience not stated, treated as personal) | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3” x 10” | $95Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3” x 10” (audience not stated, treated as personal) | $95Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3” x 10” (audience not stated, treated as personal) | $115Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3” x 5” | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3” x 5” (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3” x 5” (audience not stated, treated as personal) | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” x 10” | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” x 10” (audience not stated, treated as personal) | $130Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” x 10” (audience not stated, treated as personal) | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” x 5” | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” x 5” (audience not stated, treated as personal) | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” x 5” (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Legal proceedings & process | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Verification of deposit (waived for Liberty Bank loans) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA transfer to another trustee | $50Above the U.S. middle 50% ($25 to $35 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
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.
Where Liberty Bank for Savings operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $656.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 5 | $656.8M |
Chicago-Naperville-Elgin, IL-IN
0.1% of bank deposits, #62 of 147, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 20.4% |
| BMO Bank National Association | 16.9% |
| CIBC Bank USA | 7.8% |
| Bank of America, National Association | 6.6% |
| The Northern Trust Company | 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 Chicago-Naperville-Elgin, IL-IN, Liberty Bank for Savings holds 0.1% of bank deposits, #62 of 147, with 5 offices.
900 offices of 25 institutions shown.
Showing 900 of 2,460 offices: the largest institutions' offices, with banks and credit unions in proportion.
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 147 institutions shown. $630.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.1% share, 5 offices, #62 of 147
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
357 offices of 133 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 Illinois Department of Financial and Professional Regulation
The Illinois Department of Financial and Professional Regulation has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Illinois Department of Financial and Professional Regulation, 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.