First Robinson Savings Bank, National Association

Headquarters: Robinson, Illinois
Charter: Bank
Assets: $512.1M
Fed district: St. Louis
Regulator: OCC
Holding company: First Robinson Financial Corp.

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 14, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 14, 2026

How these figures are measured

Call-report figures are for First Robinson Savings Bank, National Association 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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First Robinson Savings Bank, National Association's published fee schedule; Bank Fee Index medians	Current schedule	Oct 14, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First Robinson Savings Bank, National Association (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $233K in Q2 2026, 1.7% below the same quarter a year earlier ($237K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Non-Network ATM
First Robinson Savings Bank, National Association: $1.50
First Robinson Savings Bank, National Association: $1.50
U.S. median: no median
Wire Transfer (Domestic Out)
First Robinson Savings Bank, National Association: $20
First Robinson Savings Bank, National Association: $20
U.S. median: no median
Wire Transfer (Int'l Out)
First Robinson Savings Bank, National Association: $50
First Robinson Savings Bank, National Association: $50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Illinois: Banks and credit unions headquartered in Illinois that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 11% from Q3 2025 to Q2 2026, to $233K.

Service-charge income, Q2 2026

$233K

$263KQ3 2025

$269KQ4 2025

$240KQ1 2026

$233KQ2 2026

Against the median

First Robinson Savings Bank, National AssociationMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

First Robinson Savings Bank, National Association · $512M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$495M to $530M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Robinson Savings Bank, National Association(this institution)	Robinson, IL	$512M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Ambler Savings Bank	Ambler, PA	$502M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Colonial Savings, F.A.	Fort Worth, TX	$502M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Coulee Bank	La Crosse, WI	$524M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cross County Savings Bank	Middle Village, NY	$525M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Eagle Bank and Trust Company	Little Rock, AR	$506M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Enterprise Bank	Allison Park, PA	$525M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Citizens State Bank	Whitewater, WI	$525M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Bank	Wrens, GA	$513M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First State Bank and Trust	Tonganoxie, KS	$515M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank and Trust	Bayport, MN	$499M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
FirstBank of Nebraska	Wahoo, NE	$498M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grinnell State Bank	Grinnell, IA	$499M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grundy Bank	Morris, IL	$505M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lake Elmo Bank	Lake Elmo, MN	$530M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mega Bank	San Gabriel, CA	$507M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Merchants Commercial Bank	St Thomas, VI	$506M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River City Bank, Inc.	Louisville, KY	$495M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Shamrock Bank, N.A.	Coalgate, OK	$501M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank Financial	La Crosse, WI	$512M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Advance	Advance, MO	$510M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Callaway Bank	Fulton, MO	$512M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Napoleon State Bank	Napoleon, IN	$499M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Peoples State Bank	Ellettsville, IN	$507M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Savings Bank	Circleville, OH	$520M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
UNICO Bank	Mineral Point, MO	$503M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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.

Fee type

Peer pricing snapshot

First Robinson Savings Bank, National Association does not publish a monthly maintenance fee in the index.

The peer median is $7.50 among 15 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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Robinson Savings Bank, National Association does not publish a monthly maintenance fee, so it is not on this chart.

First Robinson Savings Ba…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Robinson Savings Bank, National Association (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $233K
vs prior quarter: −$7K−2.9%; from Q1 2026
vs a year earlier: −$4K−1.7%; from Q2 2025
vs start of range: −$30K−11.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Robinson Savings Bank, National Association (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$233K	−$7K	−2.9%
Q1 2026	$240K	−$29K	−10.8%
Q4 2025	$269K	+$6K	+2.3%
Q3 2025	$263K	+$26K	+11.0%
Q2 2025	$237K	+$11K	+4.9%
Q1 2025	$226K	−$20K	−8.1%
Q4 2024	$246K	−$17K	−6.5%
Q3 2024	$263K	+$32K	+13.9%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Robinson Savings Bank, National Association’s own schedules, with a source for each figure.

Account Maintenance

Account Closed Within 90 Days of Opening$10
Dormant Checking$5
per month
Dormant Savings$5
Not compared: Quarterly charge, not monthly
per quarter
Savings Account/Money Manager Excess Transaction Fee - per item$10
per item
Returned Mail – Incorrect Address$5

ATM & Card

ATM Not Owned by FRSB - per transaction or inquiry$1.50
per transaction
ATM/Check Card Replacement Fee$5
per item
Expedited Debit Card$25

Wire Transfers

Domestic Wire Transfer - Outgoing – Customer$20
Foreign Wire Transfer – Outgoing - Customer$50

Check Services

Cashier Checks and Money Orders - Customer$3
Counter Checks – Limit of 5$2
Check Cashing - Non-Customer$10
Collection Fee - Cash Items & Drafts - Incoming/Outgoing$15
Check Copies - per page$1
per item

Cash & Deposit

Coin Counter - Non-Customer10%
Returned Deposited Item$5

Account Services

Notary Fee – Non-Customer$2
Drilling Fee – per event$125
Not compared: Box drilling or key fee
Safe Deposit Box 10X10$75
per year
Safe Deposit Box 3X10$30
per year
Safe Deposit Box 5X10$50
per year
Tax Levy/Garnishments/Subpoena/Citations/Child Support Collections - per event$25
per item

Other Fees

Statement Copy$3

Fee	Amount	Basis	Note
Account Maintenance
Account Closed Within 90 Days of Opening	$10	Not stated	None
Dormant Checking	$5	per month	None
Dormant Savings	$5Not compared: Quarterly charge, not monthly	per quarter	None
Savings Account/Money Manager Excess Transaction Fee - per item	$10	per item	None
Returned Mail – Incorrect Address	$5	Not stated	None
ATM & Card
ATM Not Owned by FRSB - per transaction or inquiry	$1.50	per transaction	None
ATM/Check Card Replacement Fee	$5	per item	None
Expedited Debit Card	$25	Not stated	None
Wire Transfers
Domestic Wire Transfer - Outgoing – Customer	$20	Not stated	None
Foreign Wire Transfer – Outgoing - Customer	$50	Not stated	None
Check Services
Cashier Checks and Money Orders - Customer	$3	Not stated	None
Counter Checks – Limit of 5	$2	Not stated	None
Check Cashing - Non-Customer	$10	Not stated	None
Collection Fee - Cash Items & Drafts - Incoming/Outgoing	$15	Not stated	None
Check Copies - per page	$1	per item	None
Cash & Deposit
Coin Counter - Non-Customer	10%	Not stated	None
Returned Deposited Item	$5	Not stated	None
Account Services
Notary Fee – Non-Customer	$2	Not stated	None
Drilling Fee – per event	$125Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10X10	$75	per year	None
Safe Deposit Box 3X10	$30	per year	None
Safe Deposit Box 5X10	$50	per year	None
Tax Levy/Garnishments/Subpoena/Citations/Child Support Collections - per event	$25	per item	None
Other Fees
Statement Copy	$3	Not stated	None

Correct a fee source

Oct 14, 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.

Branches and public record

Where First Robinson Savings Bank, National Association operates, and what regulators and customers have on file.

Enforcement actions

None on file with the OCC and Federal Reserve

The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the OCC and Federal Reserve, 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

Get an email when First Robinson Savings Bank, National Association's monthly maintenance changes in our data

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