Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

First Federal Savings Bank

Rochester, IndianaBankChicago Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Overdraft & NSFVerified

Overdraft (OD)/NSF Charge$30Within the typical range ($25–$32 nationally)

Returned Check Charge$30

At the national median

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ATM & CardVerified

Debit/ATM Card Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source
Non First Federal ATM Usage (Per Occurrence)$2Within the typical range ($1–$2.50 nationally)
$0.25 above the national median
Source
Non First Federal Cardholder at First Federal ATM$3Above the typical range ($1–$2.50 nationally)
$1.25 above the national median
Source

Wire TransfersVerified

Incoming Domestic or International Wire Fee$10Within the typical range ($10–$25 nationally)
$10 below the national median
Source
Outgoing Domestic (only) Wire Fee$20Within the typical range ($20–$25 nationally)
$5 below the national median
Source

Check ServicesVerified

Stop Payment (ACH & Check)$30Within the typical range ($20–$30 nationally)
$4 above the national median
Source

Digital & ElectronicVerified

ACH Return Charge$30Within the typical range ($16.50–$30 nationally)
$5 above the national median
Source
Bill Pay Online Banking Service$0Within the typical range ($0–$10 nationally)
$4.95 below the national median
Source

Account ServicesVerified

Drilling Fee$200Above the typical range ($30–$70 nationally)
$155 above the national median
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Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFVerified
Overdraft (OD)/NSF Charge	$30Within the typical range ($25–$32 nationally)	At the national median	—	—	Source
Returned Check Charge	$30Within the typical range ($25–$31 nationally)	At the national median	—	Knox extract.rules v20 categorized a line held for review from Rosetta artifact #3768. canonical_hint=nsf; text_hash=2811eb7ca0dfd5361d8ec72badef724dfaebc744178945319812bbb6bc9c1fac; excerpt="Returned Check Charge \| $30.00"	Source
ATM & CardVerified
Debit/ATM Card Replacement	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
Non First Federal ATM Usage (Per Occurrence)	$2
Wire TransfersVerified
Incoming Domestic or International Wire Fee	$10Within the typical range ($10–$25 nationally)	$10 below the national median	—	—	Source
Outgoing Domestic (only) Wire Fee	$20
Check ServicesVerified
Stop Payment (ACH & Check)	$30Within the typical range ($20–$30 nationally)	$4 above the national median	—	—	Source
Digital & ElectronicVerified
ACH Return Charge	$30Within the typical range ($16.50–$30 nationally)	$5 above the national median	—	—	Source
Bill Pay Online Banking Service	$0
Account ServicesVerified
Drilling Fee	$200Above the typical range ($30–$70 nationally)	$155 above the national median	—	Knox extract.rules v20 categorized a line held for review from Rosetta artifact #3768. canonical_hint=safe_deposit_box; text_hash=2811eb7ca0dfd5361d8ec72badef724dfaebc744178945319812bbb6bc9c1fac; excerpt="Drilling Fee \| $200.00"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 11 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$686.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$686.6M

Total deposits

$540.4M

Service charge income

$245K

Fee income ratio

2.9%

Return on assets

1.12%

Branches

Service charge income by quarter

Q2 2026$245K

Q1 2026$208K

Q4 2025$245K

Q3 2025$263K

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 46,468 published fee entries from 2,882 institutions

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