Legence Bank

Headquarters: Eldorado, Illinois
Charter: Bank
Assets: $642.9M
Fed district: St. Louis
Regulator: FDIC
Holding company: First Eldorado Bancshares Inc.

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Mar 11, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Mar 11, 2026

How these figures are measured

Call-report figures are for Legence Bank 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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	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.	Legence Bank's published fee schedule; Bank Fee Index medians	Current schedule	Mar 11, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Legence Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $4K in Q2 2026, 33% below the same quarter a year earlier ($6K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Legence Bank: $37
Legence Bank: $37
U.S. median: no median
NSF / Returned Item
Legence Bank: $37
Legence Bank: $37
U.S. median: no median
Non-Network ATM
Legence Bank: $2
Legence Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Mar 11, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Illinois: Banks and credit unions headquartered in Illinois that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 20% from Q3 2025 to Q2 2026, to $4K.

Service-charge income, Q2 2026

$4K

$5KQ3 2025

$5KQ4 2025

$5KQ1 2026

$4KQ2 2026

Against the median

Legence BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Legence Bank · $643M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 12 states.

Banks only
$629M to $657M in assets
Headquartered in 12 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Legence Bank(this institution)	Eldorado, IL	$643M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
American State Bank	Arp, TX	$638M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank & Trust Company	Litchfield, IL	$641M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Century Savings Bank	Vineland, NJ	$635M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Classic Bank, National Association	Cameron, TX	$657M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community First Bank	Boscobel, WI	$634M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers & Merchants Bank of Colby	Colby, KS	$651M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Eagle Bank	Chicago, IL	$650M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Hope Bank, A National Banking Association	Hope, NJ	$657M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First National Bank of Louisiana	Crowley, LA	$631M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
FNBT BANK	Fort Walton Beach, FL	$629M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Haverhill Bank	Haverhill, MA	$637M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
High Plains Bank	Flagler, CO	$643M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Home Federal Bank	Shreveport, LA	$644M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Legends Bank	Linn, MO	$636M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Modern Bank, National Association	New York, NY	$649M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Peoples Bank & Trust	Pana, IL	$657M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Quaint Oak Bank	Southampton, PA	$631M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Spring Bank	Bronx, NY	$641M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Stockmens Bank	Colorado Springs, CO	$651M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Tescott	Tescott, KS	$648M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The State National Bank of Big Spring	Big Spring, TX	$640M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
TrustBank	Olney, IL	$640M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Walpole Co-operative Bank	Walpole, MA	$646M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Woodlands Bank	Williamsport, PA	$640M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Worthington Bank	Arlington, TX	$655M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Legence Bank does not publish a monthly maintenance fee in the index.

The peer median is $8.25 among 16 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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Legence Bank does not publish a monthly maintenance fee, so it is not on this chart.

Legence BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Legence Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $4K
vs prior quarter: −$1K−20.0%; from Q1 2026
vs a year earlier: −$2K−33.3%; from Q2 2025
vs start of range: −$8K−66.7%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Legence Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$4K	−$1K	−20.0%
Q1 2026	$5K	$0	0.0%
Q4 2025	$5K	$0	0.0%
Q3 2025	$5K	−$1K	−16.7%
Q2 2025	$6K	−$1K	−14.3%
Q1 2025	$7K	−$5K	−41.7%
Q4 2024	$12K	$0	0.0%
Q3 2024	$12K	−$1K	−7.7%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Legence Bank’s own schedules, with a source for each figure.

Account Maintenance

Account closure within 6 months$50
Dormant account fee per month$25
per month
Account reconciliation fee per hour$30
Not compared: Charged per hour; comparison unavailable
per hour
Account research fee per hour$100
Not compared: Charged per hour; comparison unavailable
per hour
Monthly paper statement fee$10
per month
Returned/undeliverable mail fee$10

Overdraft & NSF

Paid item fee$37
Non-sufficient funds (NSF)$37
Return item fee$37
Uncollected funds return item fee$37
Automatic Transfer Service (ATS) of funds from one account to another to cover overdraft$10

ATM & Card

Foreign ATM fee$2
per transaction
Debit card replacement fee$15

Wire Transfers

Wire fee - outgoing$30
Wire fee - incoming$30

Check Services

Cashier’s check for customer$10
Stop payments$35
per item
Counter checks$1
per item
Check cashing fee for non-customer$10

Digital & Electronic

Bill Pay inactivity fee after 90 days (per month)$10

Cash & Deposit

Coin counting per roll fee (minimum of $10.00)$0.25
Night deposit key - first key is free; each additional$10
per item

Account Services

Drilling charge$300
Not compared: Box drilling or key fee
per item · Safe deposit box drilling
Lost key$20
Not compared: Box drilling or key fee
Garnishments and levies$100

Other Fees

Copies per page$1
per item
Printout of account statement or statement reproduction$10

Fee	Amount	Basis	Note
Account Maintenance
Account closure within 6 months	$50	Not stated	None
Dormant account fee per month	$25	per month	None
Account reconciliation fee per hour	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Account research fee per hour	$100Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly paper statement fee	$10	per month	None
Returned/undeliverable mail fee	$10	Not stated	None
Overdraft & NSF
Paid item fee	$37	Not stated	None
Non-sufficient funds (NSF)	$37	Not stated	None
Return item fee	$37	Not stated	None
Uncollected funds return item fee	$37	Not stated	None
Automatic Transfer Service (ATS) of funds from one account to another to cover overdraft	$10	Not stated	None
ATM & Card
Foreign ATM fee	$2	per transaction	None
Debit card replacement fee	$15	Not stated	None
Wire Transfers
Wire fee - outgoing	$30	Not stated	None
Wire fee - incoming	$30	Not stated	None
Check Services
Cashier’s check for customer	$10	Not stated	None
Stop payments	$35	per item	None
Counter checks	$1	per item	None
Check cashing fee for non-customer	$10	Not stated	None
Digital & Electronic
Bill Pay inactivity fee after 90 days (per month)	$10	Not stated	None
Cash & Deposit
Coin counting per roll fee (minimum of $10.00)	$0.25	Not stated	None
Night deposit key - first key is free; each additional	$10	per item	None
Account Services
Drilling charge	$300Not compared: Box drilling or key fee	per item	Safe deposit box drilling
Lost key	$20Not compared: Box drilling or key fee	Not stated	None
Garnishments and levies	$100	Not stated	None
Other Fees
Copies per page	$1	per item	None
Printout of account statement or statement reproduction	$10	Not stated	None

Correct a fee source

Mar 11, 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.

Fee change alerts

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