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

Sterling Federal Bank, F.S.B.

Sterling, 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

Reconciliation/Research$25Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Paid Overdraft Charge$30Within the typical range ($25–$32 nationally)
At the national median
per day · Source
Returned NSF Charge$30Within the typical range ($25–$31.88 nationally)
At the national median
per day · Source

Check ServicesVerified

Money Order$3Within the typical range ($1.66–$3 nationally)
$1 above the national median
Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$3 above the national median
Source

Account ServicesVerified

Garnishment$100Above the typical range ($30–$75 nationally)
$50 above the national median
Source
Notary$1Within the typical range ($0–$5 nationally)
$1.50 below the national median
Source
Subpoena$100Within the typical range ($50–$150 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Reconciliation/Research	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Undeliverable Statement	$5Below the typical range ($20–$25 nationally)	$20 below the national median	per item	Per statement	Source
Overdraft & NSFVerified
Paid Overdraft Charge	$30Within the typical range ($25–$32 nationally)	At the national median	per day	—	Source
Returned NSF Charge	$30Within the typical range ($25–$31.88 nationally)
ATM & CardVerified
Debit Card Replacement	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Wire TransfersVerified
Foreign Incoming	$50Above the typical range ($10–$25 nationally)	$35 above the national median	—	—	Source
Check ServicesVerified
Money Order	$3Within the typical range ($1.66–$3 nationally)	$1 above the national median	—	—	Source
Stop Payment	$30
Cash & DepositVerified
Deposited Item Returned	$6Below the typical range ($10–$25 nationally)	$9 below the national median	—	—	Source
Account ServicesVerified
Garnishment	$100Above the typical range ($30–$75 nationally)	$50 above the national median	—	—	Source
Notary	$1
Lending FeesVerified
Late Payment	$5Below the typical range ($11–$25 nationally)	$15 below the national median	per month	—	Source
Gift & Prepaid CardsVerified
Gift Card	$4.95Above the typical range ($3–$4.50 nationally)	$1.45 above the national median	—	—	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: 14 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$481.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$481.6M

Total deposits

$403.4M

Service charge income

$267K

Fee income ratio

5.2%

Return on assets

-4.36%

Branches

Service charge income by quarter

Q2 2026$267K

Q1 2026$234K

Q4 2025$263K

Q3 2025$251K

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 40,331 published fee entries from 2,795 institutions

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