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

Bank & Trust Company

Litchfield, IllinoisBankChicago 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

Account MaintenanceVerified

Monthly Fee$6.50Within the typical range ($3–$10 nationally)

Monthly Fee$6

$0.50 above the national median

per month · Source

Monthly Fee$10

$4.50 above the national median

per month · Source

Monthly Fee$0

$5.50 below the national median

per month · Source

ATM & CardVerified

Lost or Stolen Card$0Below the typical range ($5–$10 nationally)
$10 below the national median
Source

Account ServicesVerified

Drilling a lock (minimum)$125Above the typical range ($25–$80 nationally)
$80 above the national median
Source
Lost Key$25Within the typical range ($25–$80 nationally)
$20 below the national median
Source

Lending FeesVerified

Late Payment Fee$10Below the typical range ($15–$25 nationally)
$11 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Monthly Fee	$6.50Within the typical range ($3–$10 nationally)	$1 above the national median	per month	—	Source
Monthly Fee	$6Within the typical range ($3–$10 nationally)	$0.50 above the national median	per month	—	Source
Monthly Fee	$10Within the typical range ($3–$10 nationally)	$4.50 above the national median	per month	—	Source
Monthly Fee	$0Below the typical range ($3–$10 nationally)	$5.50 below the national median	per month	—	Source
ATM & CardVerified
Lost or Stolen Card	$0Below the typical range ($5–$10 nationally)	$10 below the national median	—	—	Source
Account ServicesVerified
Drilling a lock (minimum)	$125Above the typical range ($25–$80 nationally)	$80 above the national median	—	—	Source
Lost Key	$25
Lending FeesVerified
Late Payment Fee	$10Below the typical range ($15–$25 nationally)	$11 below the national median	—	—	Source

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Headline fees published

2 of 15

Published fees

Under review

Assets

$641.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$641.3M

Total deposits

$540.5M

Service charge income

$182K

Fee income ratio

2.8%

Return on assets

1.12%

Branches

Service charge income by quarter

Q2 2026$182K

Q1 2026$168K

Q4 2025$177K

Q3 2025$185K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 34,850 published fee entries from 2,498 institutions

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