Compared with Illinois
12 of 22
compared fees are above the median.
8 below, 2 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
77th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Illinois median
of 22 compared; 8 below, 2 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Peoples Bank & Trust 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. | Peoples Bank & Trust's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.6% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (77th 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 $321K in Q2 2026, 10% above the same quarter a year earlier ($291K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
12 of 22 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.
Monthly Maintenance
Compared at $14.22, the middle of its prices
NSF / Returned Item
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Illinois, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 3.9% from Q3 2025 to Q2 2026, to $321K. Its share of revenue, 3.6%, is above the 2.1% median for banks with $300M to $1B in assets.
$321K
Peoples Bank & TrustMedian
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. *Monthly maintenance: Listed at $2 to $45; we compare the midpoint.
Peoples Bank & Trust · $657M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Peoples Bank & Trust(this institution) | Pana, IL | $657M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| AbbyBank | Abbotsford, WI | $662M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| Carroll Bank and Trust | Huntingdon, TN | $662M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Carver Federal Savings Bank | New York, NY | $658M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| CCB Community Bank | Andalusia, AL | $662M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| Concordia Bank & Trust Company | Vidalia, LA | $667M | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 State Bank and Trust Company, Inc. | Caruthersville, MO | $659M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| Homeland Federal Savings Bank | Columbia, LA | $658M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Legence Bank | Eldorado, IL | $643M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Metairie Bank & Trust Company | Metairie, LA | $666M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Pennian Bank | Mifflintown, PA | $668M | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 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 |
| TXN Bank | Hondo, TX | $669M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | 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 |
| 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 · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $14.22, the middle of its five prices, against a peer median of $8 among 15 publishing peers.
Its five checking prices are $2, $11.43, $14.22, $25 and $45.
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 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for Peoples Bank & Trust (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 | $321K | +$32K | +11.1% |
| Q1 2026 | $289K | $0 | 0.0% |
| Q4 2025 | $289K | −$20K | −6.5% |
| Q3 2025 | $309K | +$18K | +6.2% |
| Q2 2025 | $291K | −$14K | −4.6% |
| Q1 2025 | $305K | −$33K | −9.8% |
| Q4 2024 | $338K | +$31K | +10.1% |
| Q3 2024 | $307K | +$40K | +15.0% |
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, Peoples Bank & Trust left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Peoples Bank & Trust by share.
Amounts from Peoples Bank & Trust’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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Safe Deposit drilling: $50.00 (plus Locksmith charges)
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Fees: A Service Charge fee | $11.43Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $45Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance for first account (audience not stated, treated as personal) | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge (audience not stated, treated as personal) | $14.22Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge for each additional account (audience not stated, treated as personal) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account closing fee (within 90 days of opening) (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant fee (12 months with no transactions and balance under $1,000.00) (audience not stated, treated as personal) | $5.96Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Online banking inactivity fee (after 90 days) | $2.92Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Online Banking Inactivity Fee (after 90 days) | $2.52Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research fee or Reconciliation charge (per hour) (audience not stated, treated as personal) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Return Items (for Consumer Accounts) | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Withdrawal, Transfer or Inquiry outside Alpha Link ATM network (audience not stated, treated as personal) | $1.75Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replace Debit Card (audience not stated, treated as personal) | $13.58Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Card Fee | $13.28Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement Card Fee | $13.58Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Rush order new or replace Debit Card (audience not stated, treated as personal) | $69.98Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing wire transfer (PBT account holder) (audience not stated, treated as personal) | $26.67Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming wire transfer (PBT account holder) (audience not stated, treated as personal) | $8.89Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Money Order, Cashier Check, or Loan Disbursement (non PBT account holder) (audience not stated, treated as personal) | $13.68Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Order, Cashier Check, or Loan Disbursement (PBT account holder) (audience not stated, treated as personal) | $7.52Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (audience not stated, treated as personal) | $34.22Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing Fee (non PBT account holder) (audience not stated, treated as personal) | 5%($10 minimum) | Not stated | None |
| Check Cashing Fee (PBT account holder) (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Incoming collection fees (audience not stated, treated as personal) | $23.88Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Outgoing collection fee (audience not stated, treated as personal) | $5.97Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check copies (audience not stated, treated as personal) | $2.34Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Bill Pay Inactivity Fee (after 90 days) | $6.92Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Deposit (per item) | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | per item | None |
Cash & Deposit | |||
| Coin Counting (non PBT account holder) (audience not stated, treated as personal) | 10% | Not stated | None |
| Coin Counting (PBT Account Holder) (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Night deposit key (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Notary Service (non PBT account holder) (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Service (PBT account holder) (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Late Safe Deposit Box annual fee (audience not stated, treated as personal) | $15Not compared: Box drilling or key fee | per year | None |
| Lost Safe Deposit Box key | $30Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10X10 (audience not stated, treated as personal) | $95Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 2X5 (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X10 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 4X10 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X5 (audience not stated, treated as personal) | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 6X10 (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 9X10 (audience not stated, treated as personal) | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit drilling (audience not stated, treated as personal) | $50Not compared: Box drilling or key fee | Not stated | Safe Deposit drilling: $50.00 (plus Locksmith charges) |
| Garnishment or Levy (audience not stated, treated as personal) | $250Above the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Other Fees | |||
| Faxing (per page) (audience not stated, treated as personal) | $3.12Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies (audience not stated, treated as personal) | $0.25Not compared: Charged per page; comparison unavailable | per page | 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 16, 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 Peoples Bank & Trust operates, and what regulators and customers have on file.
Branch footprint
14 offices in 1 state, $522.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 12 | $509.4M |
| 1 | $11.6M | |
| 1 | $1.2M |
Springfield, IL
0.1% of bank deposits, #24 of 26, down 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| INB, National Association | 21% |
| United Community Bank | 16.3% |
| Bank of Springfield | 12.3% |
| JPMorgan Chase Bank, National Association | 10.3% |
| PNC Bank, National Association | 5.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Springfield, IL, Peoples Bank & Trust holds 0.1% of bank deposits, #24 of 26, with 1 office.
The fee comparison uses its home metro, St. Louis, MO-IL.
97 offices of 38 institutions shown.
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 26 institutions shown. $9.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.1% share, 1 office, #24 of 26
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
17 offices of 12 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 Federal Reserve and Illinois Department of Financial and Professional Regulation
The Federal Reserve and Illinois Department of Financial and Professional Regulation have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve and Illinois Department of Financial and Professional Regulation, read November 4, 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.