Compared with Illinois
6 of 22
compared fees are above the median.
5 below, 11 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
47th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Illinois median
of 22 compared; 5 below, 11 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Washington Savings 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) 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. | Washington Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.0% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (47th 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 $93K in Q2 2026, 48% above the same quarter a year earlier ($63K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 22 compared published fees sit above the Illinois median; 5 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.
Non-Network ATM
NSF / Returned Item
Wire Transfer (Domestic Out)
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 rose 5.7% from Q3 2025 to Q2 2026, to $93K. Its share of revenue, 2.0%, is below the 2.1% median for banks with $300M to $1B in assets.
$93K
Washington Savings BankMedian
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.
Washington Savings Bank · $585M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Washington Savings Bank(this institution) | Effingham, IL | $585M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Holly Springs | Holly Springs, MS | $588M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bay State Savings Bank | Worcester, MA | $580M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cattlemens Bank | Altus, OK | $595M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank Minnesota | New Ulm, MN | $596M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cottonport Bank | Cottonport, LA | $582M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Crest Savings Bank | Wildwood, NJ | $594M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cross Bank | Wynne, AR | $593M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| First Federal Savings and Loan Association of Lorain | Lorain, OH | $574M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First National Bank & Trust Company of McAlester | McAlester, OK | $580M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First United Bank and Trust Company | Madisonville, KY | $591M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FNBC Bank & Trust | La Grange, IL | $582M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gulf Capital Bank | Houston, TX | $596M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hatboro Federal Savings, FA | Hatboro, PA | $598M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Lee Bank | Lee, MA | $591M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lumbee Guaranty Bank | Pembroke, NC | $583M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Palmetto State Bank | Hampton, SC | $597M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Peoples National Bank of Kewanee | Kewanee, IL | $588M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pineland Bank | Alma, GA | $597M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| PremierBank | Fort Atkinson, WI | $584M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PyraMax Bank, FSB | Greenfield, WI | $589M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Regional Missouri Bank | Marceline, MO | $597M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| SouthTrust Bank, N.A. | George West, TX | $579M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Falls City National Bank | Falls City, TX | $597M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank of Union | Union, MO | $578M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| WNB FINANCIAL, N.A. | Winona, MN | $584M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.50 among 11 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 4, 2026.
Monthly maintenance fee in dollars, one mark per institution
Washington Savings Bank 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 4, 2026. Total assets from FDIC and NCUA records.
Call reports for Washington Savings Bank (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 | $93K | +$12K | +14.8% |
| Q1 2026 | $81K | −$10K | −11.0% |
| Q4 2025 | $91K | +$3K | +3.4% |
| Q3 2025 | $88K | +$25K | +39.7% |
| Q2 2025 | $63K | −$3K | −4.5% |
| Q1 2025 | $66K | −$4K | −5.7% |
| Q4 2024 | $70K | +$2K | +2.9% |
| Q3 2024 | $68K | +$4K | +6.3% |
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, Washington Savings Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Washington Savings Bank by share.
Amounts from Washington Savings Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Research Fee (minimum 1 hour): $30.00 per hour
per month
per item
per item
per item
per item
per item
per statement · Duplicate Copy of Bank Statement: $5.00 per statement
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closing Fee (within 90 days) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (minors are exempt) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Fee (minimum 1 hour) | $30Not compared: Charged per hour; comparison unavailable | per hour | Research Fee (minimum 1 hour): $30.00 per hour |
| Mailed Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Returned Mail/Bad Address Fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| NSF – Overdrawn Check/ACH | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF – Overdrawn Check/ACH – per presentment | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Fee at Another Bank’s Machine | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replace ATM/Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer within U.S | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer outside U.S | $65Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Request | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non-Customer Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Fee | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Duplicate copy of Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Check/ACH return for any reason – per presentment | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Account Services | |||
| Notary Fee | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 5 x 5 (Keller) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Boxes: 3 x 10 (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Boxes: 3 x 5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Boxes: 5 x 10 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishment & Levy Fee | $75Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $30Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card Purchase Fee | $2Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Travel Card Reload Fee | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Copy of Bank Statement | $5Not compared: Charged per statement; comparison unavailable | per statement | Duplicate Copy of Bank Statement: $5.00 per statement |
| Fax Service (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies (per page) | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Research Fee (minimum 1 hour): $30.00 per hour
per month
per item
per item
per item
per item
per item
per item
per statement · Duplicate Copy of Bank Statement: $5.00 per statement
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closing Fee (within 90 days) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (minors are exempt) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Fee (minimum 1 hour) | $30Not compared: Charged per hour; comparison unavailable | per hour | Research Fee (minimum 1 hour): $30.00 per hour |
| Mailed Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Returned Mail/Bad Address Fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| NSF – Overdrawn Check/ACH | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF – Overdrawn Check/ACH – per presentment | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Fee at Another Bank’s Machine | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replace ATM/Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer within U.S | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer outside U.S | $65Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Request | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non-Customer Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Fee | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Duplicate copy of Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Check/ACH return for any reason – per presentment | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Redeposit Returned Check Fee | $5 | per item | None |
Account Services | |||
| Notary Fee | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 5 x 5 (Keller) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishment & Levy Fee | $75Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $30Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card Purchase Fee | $2Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Travel Card Reload Fee | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Copy of Bank Statement | $5Not compared: Charged per statement; comparison unavailable | per statement | Duplicate Copy of Bank Statement: $5.00 per statement |
| Fax Service (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies (per page) | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 31, 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 Washington Savings Bank operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $504.4M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $504.4M |
Largest competitors nearby
Local market: Effingham and Coles counties, IL, where it holds the most deposits.
| 22 in its local market | Deposit share |
|---|---|
| First Mid Bank & Trust, National Association | 34.3% |
| Midland States Bank | 16.2% |
| Dieterich Bank | 11.8% |
| Teutopolis State Bank | 5.4% |
| Crossroads Bank | 3.8% |
This bank holds 9.9% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
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.