Better Banks

Headquarters: Peoria, Illinois
Charter: Bank
Assets: $445.8M
Fed district: Chicago
Regulator: FDIC
Holding company: Backlund Inv Employee Stk Ownership Plan

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

Source: its fee schedule, read Nov 1, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 Nov 1, 2026

How these figures are measured

Call-report figures are for Better Banks 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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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.	Better Banks's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Better Banks (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $91K in Q2 2026, 13% below the same quarter a year earlier ($105K).
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.

Stop Payment
Better Banks: $30
Better Banks: $30
U.S. median: no median
Wire Transfer (Int'l Out)
Better Banks: $100
Better Banks: $100
U.S. median: no median
Cashier's Check
Better Banks: $5
Better Banks: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

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.

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.
Chicago district: Banks and credit unions headquartered in the Chicago 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 18% from Q3 2025 to Q2 2026, to $91K.

Service-charge income, Q2 2026

$91K

$111KQ3 2025

$113KQ4 2025

$105KQ1 2026

$91KQ2 2026

Against the median

Better BanksMedian

Sources and open questions

FDIC 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

Better Banks · $446M 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.

Banks only
$434M to $458M in assets
Headquartered in 19 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
Better Banks(this institution)	Peoria, IL	$446M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Alliance Bank	Francesville, IN	$455M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens State Bank	Lena, IL	$453M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Exchange Bank of Missouri	Fayette, MO	$454M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Foresight Bank	Plainview, MN	$434M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frontier Bank	Lamar, CO	$436M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Hometown Bank of Pennsylvania	Bedford, PA	$454M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Honor Bank	Honor, MI	$443M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
JONES BANK	Seward, NE	$441M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Meade County Bank	Brandenburg, KY	$458M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Morgantown Bank & Trust Company, Incorporated	Morgantown, KY	$440M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
NobleBank & Trust	Anniston, AL	$444M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Brookfield Savings Bank	North Brookfield, MA	$449M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Oostburg State Bank	Oostburg, WI	$440M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific Alliance Bank	San Gabriel, CA	$454M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Patriot Bank	Millington, TN	$451M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
RiverHills Bank	Vicksburg, MS	$445M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Spring Bank	Brookfield, WI	$441M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Bank of Clovis	Clovis, NM	$438M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Citizens State Bank	Moundridge, KS	$451M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Denison State Bank	Holton, KS	$454M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Hometown Savings Bank	Terre Haute, IN	$456M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The National Grand Bank of Marblehead	Marblehead, MA	$445M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The St. Henry Bank	St. Henry, OH	$436M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Town & Country Bank and Trust Company	Bardstown, KY	$434M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Welch State Bank of Welch, Okla.	Welch, OK	$450M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Better Banks does not publish a monthly maintenance fee in the index.

The peer median is $6 among 12 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

Better Banks does not publish a monthly maintenance fee, so it is not on this chart.

Better BanksPeer (equal prices stack)Peer medianInclude $27.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

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 Better Banks (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: $91K
vs prior quarter: −$14K−13.3%; from Q1 2026
vs a year earlier: −$14K−13.3%; from Q2 2025
vs start of range: −$19K−17.3%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Better Banks (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$91K	−$14K	−13.3%
Q1 2026	$105K	−$8K	−7.1%
Q4 2025	$113K	+$2K	+1.8%
Q3 2025	$111K	+$6K	+5.7%
Q2 2025	$105K	+$1K	+1.0%
Q1 2025	$104K	−$5K	−4.6%
Q4 2024	$109K	−$1K	−0.9%
Q3 2024	$110K	+$8K	+7.8%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Better Banks’s own schedules, with a source for each figure.

Account Maintenance

Account Closed within 90 days of Opening$25
Dormant Account Fee (per statement cycle after one year of inactivity)$6
per month
Account Balancing Assistance$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee: Personal$3

Overdraft & NSF

Overdraft Sweep FeeNo charge

ATM & Card

Replace ATM or Debit Card$10
Expedited ATM or Debit Card Replacement$50

Wire Transfers

Foreign Wire Transfers$100

Check Services

Cashier's Checks$5
Stop Payment (check, Draft, or ACH)$30
Counter Checks/Deposit Tickets$2
Canadian Check Collection$25
Check Copy$3

Digital & Electronic

Internet Bill Pay/P2PNo charge

Cash & Deposit

Deposited Check (or other items) Returned Unpaid$10

Account Services

4" X 5" (short)$30
Safe Deposit Box 10" X 10"$125
Safe Deposit Box 2" X 5"$20
Safe Deposit Box 3" X 10"$40
Safe Deposit Box 3" X 5"$25
Safe Deposit Box 4" X 4"$35
Safe Deposit Box 5" X 10"$60
Garnishments, Levies, or Citations$100

Other Fees

Duplicate Statement$5
Fax Incoming/Outgoing$5
Photocopies$1
per item
Snapshot Statement Fax or Mail$3

Fee	Amount	Basis	Note
Account Maintenance
Account Closed within 90 days of Opening	$25	Not stated	None
Dormant Account Fee (per statement cycle after one year of inactivity)	$6	per month	None
Account Balancing Assistance	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee: Personal	$3	Not stated	None
Overdraft & NSF
Overdraft Sweep Fee	No charge	Not stated	None
ATM & Card
Replace ATM or Debit Card	$10	Not stated	None
Expedited ATM or Debit Card Replacement	$50	Not stated	None
Wire Transfers
Foreign Wire Transfers	$100	Not stated	None
Check Services
Cashier's Checks	$5	Not stated	None
Stop Payment (check, Draft, or ACH)	$30	Not stated	None
Counter Checks/Deposit Tickets	$2	Not stated	None
Canadian Check Collection	$25	Not stated	None
Check Copy	$3	Not stated	None
Digital & Electronic
Internet Bill Pay/P2P	No charge	Not stated	None
Cash & Deposit
Deposited Check (or other items) Returned Unpaid	$10	Not stated	None
Account Services
4" X 5" (short)	$30	Not stated	None
Safe Deposit Box 10" X 10"	$125	Not stated	None
Safe Deposit Box 2" X 5"	$20	Not stated	None
Safe Deposit Box 3" X 10"	$40	Not stated	None
Safe Deposit Box 3" X 5"	$25	Not stated	None
Safe Deposit Box 4" X 4"	$35	Not stated	None
Safe Deposit Box 5" X 10"	$60	Not stated	None
Garnishments, Levies, or Citations	$100	Not stated	None
Other Fees
Duplicate Statement	$5	Not stated	None
Fax Incoming/Outgoing	$5	Not stated	None
Photocopies	$1	per item	None
Snapshot Statement Fax or Mail	$3	Not stated	None

Correct a fee source

Nov 1, 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 Better Banks operates, and what regulators and customers have on file.

Market position

In Peoria, IL, Better Banks holds 3.9% of bank deposits, #7 of 35, with 8 offices.

Compare fees with the 16 Peoria, IL banks and credit unions in its home-metro peer set →

Offices in the metro

144 offices of 45 institutions shown.

Better BanksOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Peoria, IL metro (FDIC metro code 37900), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 2 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Morton Community Bank34.9%
2PNC Bank, National Association15.1%
3Busey Bank7.8%
4Heartland Bank and Trust Company6.0%
5JPMorgan Chase Bank, National Association5.3%
6Commerce Bank4.4%
7Better Banks3.9%
8Goodfield State Bank2.5%

8 of 35 institutions shown. $10.0B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Peoria, IL metro (FDIC metro code 37900)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 3.9% share, 8 offices, #7 of 35

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Peoria, IL metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

30 offices of 10 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.

Fee change alerts

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