Fees from its schedule are under review and appear here once review is done.
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Total assets
Q4 2025, quarter end
FDIC call report data · Dec 31, 2025
Revenue
Q4 2025, one quarter
FDIC call report data · Dec 31, 2025
Service-charge income
Q4 2025, one quarter
FDIC call report data · Dec 31, 2025
Service-charge share of revenue
46th percentile; peer median 2.2%
FDIC call report data · Dec 31, 2025
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 2, 2026
Call-report figures are for Iroquois Federal Savings and Loan Association 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 | FDIC BankFind Suite (call report data) ASSET | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 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 1,423 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) | Q4 2025 Quarter ended Dec 31, 2025 | 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. | Iroquois Federal Savings and Loan Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 2, 2026 |
Service-charge income by quarter
Q3 2023 to Q4 2025, standalone quarters
Service charges were 2.0% of revenue, below the 2.2% median of 1,423 banks with $300M to $1B in assets (46th 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 $147K in Q4 2025, 23% above the same quarter a year earlier ($120K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Iroquois Federal Savings and Loan Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q1 2024 to Q4 2025, standalone quarters · 60 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q4 2025 | $147K | +$15K | +11.4% |
| Q3 2025 | $132K | +$14K | +11.9% |
| Q2 2025 | $118K | +$1K | +0.9% |
| Q1 2025 | $117K | −$3K | −2.5% |
| Q4 2024 | $120K | −$6K | −4.8% |
| Q3 2024 | $126K | +$19K | +17.8% |
| Q2 2024 | $107K | +$7K | +7.0% |
| Q1 2024 | $100K | −$8K | −7.4% |
Financial cohort: 1,447 banks with $300M to $1B in assets filing for Q4 2025; 1,423 reported a share above 0% and are counted, Iroquois Federal Savings and Loan Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Iroquois Federal Savings and Loan Association by share.
They stay out of every comparison until review is done.
per item · Charged per withdrawal at ATMs not owned or operated by the bank
per item · For lost card replacement - refer to separate fee schedule for details
per item · For lost card replacement - refer to separate fee schedule for details
per item · Charged as 0.90% on all cross-border transactions regardless of whether there is a currency conversion. A Cross-Border Transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different than the country of the cardholder
per item · Charged per withdrawal at ATMs not owned or operated by the bank
per item · Charged per withdrawal at ATMs not owned or operated by the bank
per item · For stopping preauthorized payments - refer to fee schedule for amount
per transaction
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Other feesUnder review | |||
| ATM withdrawal at ATMs we do not own Fee (audience not stated, treated as personal) | $1 | per item | Charged per withdrawal at ATMs not owned or operated by the bank |
| Business Debit MasterCard replacement fee (audience not stated, treated as personal) | Not stated | per item | For lost card replacement - refer to separate fee schedule for details |
| Consumer Debit MasterCard replacement fee (audience not stated, treated as personal) | Not stated | per item | For lost card replacement - refer to separate fee schedule for details |
| Cross-Border Transaction fee (audience not stated, treated as personal) | $0.90 | per item | Charged as 0.90% on all cross-border transactions regardless of whether there is a currency conversion. A Cross-Border Transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different than the country of the cardholder |
| operate (Business Accounts) Fee (audience not stated, treated as personal) | $1 | per item | Charged per withdrawal at ATMs not owned or operated by the bank |
| operate (Consumer Accounts) Fee (audience not stated, treated as personal) | $1 | per item | Charged per withdrawal at ATMs not owned or operated by the bank |
| Stop payment order fee (audience not stated, treated as personal) | Not stated | per item | For stopping preauthorized payments - refer to fee schedule for amount |
| There (audience not stated, treated as personal) | $1 | per transaction | None |
| There is a charge of (audience not stated, treated as personal) | $1 | per transaction | None |
| You will be charged a Currency Conversion fee of (audience not stated, treated as personal) | Not stated | Not stated | None |
| You will be charged a Currency Conversion fee of . (audience not stated, treated as personal) | Not stated | 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 2, 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 Iroquois Federal Savings and Loan Association operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state, $727.2M in branch deposits (June 2025)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $613.1M |
| 1 | $67.9M | |
| 2 | $46.1M |
Kankakee, IL
2.6% of bank deposits, #11 of 13, up 1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Midland States Bank | 32.6% |
| Peoples Bank of Kankakee County | 11.5% |
| Municipal Trust and Savings Bank | 10.8% |
| PNC Bank, National Association | 10.3% |
| First Trust Bank of Illinois | 10% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2025. Deposits are booked at the branch as of June 30.
In Kankakee, IL, Iroquois Federal Savings and Loan Association holds 2.6% of bank deposits, #11 of 13, with 1 office.
44 offices of 20 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2025 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2025. FDIC-insured offices only; credit unions are not included.
9 of 13 institutions shown. $2.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2025.
Position over time, 2017 to 2025
June 2025: 2.6% share, 1 office, #11 of 13
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2017 to 2025.
Credit unions, reported separately
10 offices of 8 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
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows