First American Bank

Headquarters: Elk Grove Village, Illinois
Charter: Bank
Assets: $8.6B
Fed district: Chicago
Regulator: FDIC
Holding company: First American Bank Corp.

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

Source: its fee schedule, read Oct 28, 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 28, 2026

How these figures are measured

Call-report figures are for First American 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) 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 American Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 28, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First American Bank (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 $3.4M in Q2 2026, 8.3% above the same quarter a year earlier ($3.1M).
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.

Overdraft (OD)
First American Bank: $39.50
First American Bank: $39.50
U.S. median: no median
NSF / Returned Item
First American Bank: $39.50
First American Bank: $39.50
U.S. median: no median
Wire Transfer (Domestic Out)
First American Bank: $20 to $30
First American Bank: $20 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 28, 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 rose 4.1% from Q3 2025 to Q2 2026, to $3.4M.

Service-charge income, Q2 2026

$3.4M

$3.3MQ3 2025

$3.4MQ4 2025

$3.3MQ1 2026

$3.4MQ2 2026

Against the median

First American BankMedian

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 American Bank · $8.6B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 23 states.

Banks only
$7.6B to $9.6B in assets
Headquartered in 23 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 American Bank(this institution)	Elk Grove Village, IL	$8.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1st Source Bank	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
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
Bangor Savings Bank	Bangor, ME	$7.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bank of Colorado	Fort Collins, CO	$7.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bankers Trust Company	Des Moines, IA	$7.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
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
Equity Bank	Andover, KS	$7.7B	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	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hanmi Bank	Los Angeles, CA	$8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Kearny Bank	Kearny, NJ	$7.7B	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
Ocean Bank	Miami, FL	$7.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
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
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
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
Stockman Bank of Montana	Miles City, MT	$7.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tompkins Community Bank	Ithaca, NY	$8.8B	Monthly maintenance not published	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 · 20 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

First American Bank does not publish a monthly maintenance fee in the index.

The peer median is $9.98 among 20 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 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

First American Bank does not publish a monthly maintenance fee, so it is not on this chart.

First American BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 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 American Bank (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: $3.4M
vs prior quarter: +$101K+3.1%; from Q1 2026
vs a year earlier: +$260K+8.3%; from Q2 2025
vs start of range: +$321K+10.5%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First American Bank (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	$3.4M	+$101K	+3.1%
Q1 2026	$3.3M	−$84K	−2.5%
Q4 2025	$3.4M	+$118K	+3.6%
Q3 2025	$3.3M	+$125K	+4.0%
Q2 2025	$3.1M	+$34K	+1.1%
Q1 2025	$3.1M	−$8K	−0.3%
Q4 2024	$3.1M	+$35K	+1.1%
Q3 2024	$3.1M	+$66K	+2.2%

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 American Bank’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee 2$10
per month

Overdraft & NSF

Non-Sufficient Funds – Overdraft Fee$39.50
Non-Sufficient Funds – Return Item Fee$39.50
Sweep Transfer (Auto Funds Transfer)$10

ATM & Card

Debit Card Replacement – Standard$10
Debit Card Replacement – Rush$45

Wire Transfers

Outgoing Domestic Wire Transfer$30
Outgoing Wire – Phone Template$20
Incoming Wire Transfer$15
Outgoing International Wire Transfer$45

Check Services

Each day the account is overdrawn: Purchase of Official Check$8
per item
Purchase of Official Check$8
Not compared: Daily charge, not per item
per day
Copy of Canceled Check or Deposit Item$7.50

Cash & Deposit

Chargeback (Return Deposit Item)$15
Re-Deposit Chargeback$4.50

Account Services

Lost Keys; Drilling$167.50
Not compared: Box drilling or key fee
SAFE DEPOSIT BOX: Key Duplication$30
Not compared: Box drilling or key fee

Other Fees

Copy of Monthly Statement$7.75
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee 2	$10	per month	None
Overdraft & NSF
Non-Sufficient Funds – Overdraft Fee	$39.50	Not stated	None
Non-Sufficient Funds – Return Item Fee	$39.50	Not stated	None
Sweep Transfer (Auto Funds Transfer)	$10	Not stated	None
ATM & Card
Debit Card Replacement – Standard	$10	Not stated	None
Debit Card Replacement – Rush	$45	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer	$30	Not stated	None
Outgoing Wire – Phone Template	$20	Not stated	None
Incoming Wire Transfer	$15	Not stated	None
Outgoing International Wire Transfer	$45	Not stated	None
Check Services
Each day the account is overdrawn: Purchase of Official Check	$8	per item	None
Purchase of Official Check	$8Not compared: Daily charge, not per item	per day	None
Copy of Canceled Check or Deposit Item	$7.50	Not stated	None
Cash & Deposit
Chargeback (Return Deposit Item)	$15	Not stated	None
Re-Deposit Chargeback	$4.50	Not stated	None
Account Services
Lost Keys; Drilling	$167.50Not compared: Box drilling or key fee	Not stated	None
SAFE DEPOSIT BOX: Key Duplication	$30Not compared: Box drilling or key fee	Not stated	None
Other Fees
Copy of Monthly Statement	$7.75Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Oct 28, 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 American Bank operates, and what regulators and customers have on file.

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

Get an email when First American Bank's monthly maintenance changes in our data

We check once a day and send one email covering every change.