Compared with Indiana
13 of 23
compared fees are above the median.
2 below, 8 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
64th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Indiana median
of 23 compared; 2 below, 8 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for 1st Source 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 869 banks with $1B to $10B 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 Indiana median | Published fees above the Indiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | 1st Source Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.9% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (64th 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 $3.4M in Q2 2026, 7.6% above the same quarter a year earlier ($3.2M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
13 of 23 compared published fees sit above the Indiana median; 2 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 Indiana medians for fees published by banks and credit unions.
Monthly Maintenance
Everyday Interest
Can be waived with a minimum daily balance of $300 or more.
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was about level from Q3 2025 to Q2 2026, at $3.4M. Its share of revenue, 2.9%, is above the 2.2% median for banks with $1B to $10B in assets.
$3.4M
1st Source BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
1st Source Bank · $9.3B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| 1st Source Bank(this institution) | South Bend, IN | $9.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Amalgamated Bank | New York, NY | $9.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Amerant Bank, National Association | Coral Gables, FL | $10.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| American Savings Bank, National Association | Honolulu, HI | $9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| b1BANK | Baton Rouge, LA | $8.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Byline Bank | Chicago, IL | $9.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capitol Federal Savings Bank | Topeka, KS | $9.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| CNB Bank | Clearfield, PA | $8.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First American Bank | Elk Grove Village, IL | $8.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Security Bank | Searcy, AR | $8.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Forbright Bank | Potomac, MD | $8.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Heritage Bank | Olympia, WA | $8.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| International Bank of Commerce | Laredo, TX | $10.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Liberty Bank | Middletown, CT | $9.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Origin Bank | Choudrant, LA | $10.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples Bank | Marietta, OH | $9.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank | Lincoln, NE | $9.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Principal Bank | Des Moines, IA | $9.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| RBC Bank, (Georgia) National Association | Atlanta, GA | $9.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| S&T Bank | Indiana, PA | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Salem Five Cents Savings Bank | Salem, MA | $8.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southside Bank | Tyler, TX | $8.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tompkins Community Bank | Ithaca, NY | $8.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tri Counties Bank | Chico, CA | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wells Fargo National Bank West | Las Vegas, NV | $8.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Woodforest National Bank | The Woodlands, TX | $9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 19 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $3, against a peer median of $10 among 19 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 2, 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for 1st Source 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 | $3.4M | +$78K | +2.3% |
| Q1 2026 | $3.4M | −$133K | −3.8% |
| Q4 2025 | $3.5M | +$50K | +1.5% |
| Q3 2025 | $3.4M | +$248K | +7.8% |
| Q2 2025 | $3.2M | +$118K | +3.8% |
| Q1 2025 | $3.1M | −$254K | −7.6% |
| Q4 2024 | $3.3M | +$46K | +1.4% |
| Q3 2024 | $3.3M | +$76K | +2.4% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, 1st Source Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to 1st Source Bank by share.
Amounts from 1st Source Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per month
per month
per item
per item
per day
per day
per transaction
per item
per item
per item
per item
per statement · Check Image Fee | $3 per statement cycle | Check images (front and back) are available for checking accounts at no additional cost with
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing and Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| 1st Checking and eStudent Checking accounts: Paper statements do not include check | $4Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Account: Service Fees and How to Avoid Them: Other Important Account Information e-Student Savings: Paper Statement F | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Holiday Savings: Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Excessive Withdrawal Fee | $10Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Item Fee | $36Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds Fee (NSF Fee) | $36Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Daily Overdraft Fee | $7Inside the U.S. middle 50% ($5 to $16 nationally) | per day | None |
| OVERDRAFT TRANSFER SERVICE: Fees | $3Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| ATM Transaction Fee | $3Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
Wire Transfers | |||
| Outgoing Domestic Wire Fee | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Fee | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing International Wire Fee | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Treasurer’s Check Fee | $7Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Treasurer’s Check Temporary Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Miscellaneous: Stop Payment Fee | $36Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Fee to obtain a counter check Additional Statement Fee | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Temporary Check | $3Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Check Image Fee | $3Not compared: Charged per statement; comparison unavailable | per statement | Check Image Fee | $3 per statement cycle | Check images (front and back) are available for checking accounts at no additional cost with |
Digital & Electronic | |||
| Bill Pay Item | $5Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Miscellaneous Coin Counter Consumer Client | No chargeInside the U.S. middle 50% ($0 to $2.55 nationally) | Not stated | None |
| Chargeback Item Fee | $12Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishment Processing Fee Lesser | $20Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levy Processing Fee | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposits | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Additional Statement Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 9, 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 1st Source Bank operates, and what regulators and customers have on file.
Branch footprint
80 offices in 3 states, $7.4B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 24 | $3.2B | |
| 8 | $1.0B | |
| Outside a metro area | 12 | $894.1M |
| 9 | $885.4M | |
| 10 | $556.8M | |
| 5 | $410.6M | |
| 5 | $214.6M | |
| 3 | $116.3M |
South Bend-Mishawaka, IN-MI
51.4% of bank deposits, #1 of 17, up 2.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| PNC Bank, National Association | 7.9% |
| Lake City Bank | 7.7% |
| JPMorgan Chase Bank, National Association | 7.2% |
| Fifth Third Bank, National Association | 5.5% |
| KeyBank National Association | 4.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In South Bend-Mishawaka, IN-MI, 1st Source Bank holds 51.4% of bank deposits, #1 of 17, with 24 offices.
108 offices of 30 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.
8 of 17 institutions shown. $6.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 51.4% share, 24 offices, #1 of 17
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
45 offices of 13 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
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 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.
Holding company
1ST SOURCE CORP (Nasdaq: SRCE)
Consolidated assets
$9.3B
Shareholders' equity
$1.3B
As of
2026Q3
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 34782. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.