Compared with Illinois
7 of 21
compared fees are above the median.
8 below, 6 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
44th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Illinois median
of 21 compared; 8 below, 6 about the same
See the feesFee schedule read Oct 25, 2026
Call-report figures are for Constitution Bank, National 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 | 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. | Constitution Bank, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 25, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.8% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (44th 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 $122K in Q2 2026, 4.3% above the same quarter a year earlier ($117K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
7 of 21 compared published fees sit above the Illinois median; 8 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.
OD Protection Transfer
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Illinois, 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 5.4% from Q3 2025 to Q2 2026, to $122K. Its share of revenue, 1.8%, is below the 2.1% median for banks with $300M to $1B in assets.
$122K
Constitution Bank, National AssociationMedian
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. *Non-network ATM: Listed at $1 to $1.50; we compare the midpoint.
Constitution Bank, National Association · $683M 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 |
|---|---|---|---|---|---|---|---|
| Constitution Bank, National Association(this institution) | Hillsboro, IL | $683M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BankOrion | Orion, IL | $688M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital Bank | Jacinto City, TX | $690M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens National Bank | Cameron, TX | $692M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Concordia Bank & Trust Company | Vidalia, LA | $667M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers Bank | Buhl, ID | $678M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Finance Factors, Ltd. | Honolulu, HI | $684M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Bank | Burkburnett, TX | $704M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Community Bank of Central Alabama | Wetumpka, AL | $694M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings Bank | Rochester, IN | $687M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First State Bank of Livingston | Livingston, TX | $689M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| FirstBank | Antlers, OK | $684M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Geddes Federal Savings and Loan Association | Syracuse, NY | $686M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Henderson State Bank | Henderson, NE | $678M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Legacy Bank | Hinton, OK | $686M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Metairie Bank & Trust Company | Metairie, LA | $666M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Tripoli Bank | New Tripoli, PA | $674M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pennian Bank | Mifflintown, PA | $668M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| PS Bank | Wyalusing, PA | $675M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Springs Valley Bank & Trust Company | French Lick, IN | $675M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Citizens National Bank of Somerset | Somerset, KY | $701M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Hardin County Bank | Savannah, TN | $677M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Poca Valley Bank, Inc. | Walton, WV | $666M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Stephenson National Bank and Trust | Marinette, WI | $677M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| TXN Bank | Hondo, TX | $669M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Yampa Valley Bank | Steamboat Springs, CO | $688M | Monthly maintenance not published | 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.
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 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Constitution Bank, National Association 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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Constitution Bank, National Association (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 | $122K | +$3K | +2.5% |
| Q1 2026 | $119K | −$11K | −8.5% |
| Q4 2025 | $130K | +$1K | +0.8% |
| Q3 2025 | $129K | +$12K | +10.3% |
| Q2 2025 | $117K | +$6K | +5.4% |
| Q1 2025 | $111K | −$23K | −17.2% |
| Q4 2024 | $134K | +$11K | +8.9% |
| Q3 2024 | $123K | +$12K | +10.8% |
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, Constitution Bank, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Constitution Bank, National Association by share.
Amounts from Constitution Bank, National Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account balancing assistance per hour (after the first 15 minutes) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research per hour (after the first 15 minutes) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee (per statement) | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Paper Statement Fee (per statement) Premier Money Market Email statements (per statement) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft privilege (AOD) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft- each overdraft paid | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| UCF (Uncollected Funds) (AOD) Paid Item Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Nonsufficient funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| UCF (Uncollected Funds) Return Item Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Continuous overdraft after 10 business days | $35Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Automatic transfer from checking or savings to cover nonsufficient fund items (for exact amount of overdraft balance) | $15Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Interchange Fee | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Interchange Fee (Transfer funds to another account at ATM’s we do not own or operate) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replace lost ATM card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers (each): Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfers (each): Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Foreign Wires | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers (each): Foreign Automated | $45Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Checks | $5.50Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $2.50Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop payments- (each) | $27Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing fee non-customer over $500 | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay (application required) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary Fee | $1Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Change lock fee for safety deposit box (Lost Key) | $75Not compared: Box drilling or key fee | Not stated | None |
| Late charge for safety deposit box rental after 10 days | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe deposit box drilling | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe deposit box rental (annual) – 10×10 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box rental (annual) – 3×10 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box rental (annual) – 3×5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box rental (annual) – 4×5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box rental (annual) – 5×10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box rental (annual) – 5×11 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box rental (annual) – 5×5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box rental (annual) – 7×10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box rental (annual) – 8×10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishments/levies (each occurrence) | $60Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Retirement & IRA | |||
| IRA Transfer Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copies of account statements (per statement) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax: Incoming (per sheet) | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax: Outgoing (per sheet) | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies (each) | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 25, 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 Constitution Bank, National Association operates, and what regulators and customers have on file.
Branch footprint
14 offices in 1 state, $618.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 10 | $350.6M | |
| Outside a metro area | 4 | $267.9M |
St. Louis, MO-IL
0.2% of bank deposits, #51 of 111, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 13% |
| Stifel Bank and Trust | 12.4% |
| Bank of America, National Association | 11.8% |
| Stifel Bank | 9.6% |
| Commerce Bank | 5.8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In St. Louis, MO-IL, Constitution Bank, National Association holds 0.2% of bank deposits, #51 of 111, with 10 offices.
900 offices of 90 institutions shown.
Showing 900 of 1,001 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 111 institutions shown. $141.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.2% share, 10 offices, #51 of 111
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
207 offices of 43 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 OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 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.