Compared with Illinois
4 of 14
compared fees are above the median.
4 below, 6 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
24th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Illinois median
of 14 compared; 4 below, 6 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for Citizens National Bank of Albion 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 1,412 banks with $300M to $1B 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 Illinois median | Published fees above the Illinois median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Citizens National Bank of Albion's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.2% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (24th 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 $44K in Q2 2026, 17% below the same quarter a year earlier ($53K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 14 compared published fees sit above the Illinois median; 4 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 Illinois medians for fees published by banks and credit unions.
Wire Transfer (Int'l Out)
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income fell 20% from Q3 2025 to Q2 2026, to $44K. Its share of revenue, 1.2%, is below the 2.1% median for banks with $300M to $1B in assets.
$44K
Citizens National Bank of AlbionMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Citizens National Bank of Albion · $349M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Citizens National Bank of Albion(this institution) | Albion, IL | $349M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alamosa State Bank | Alamosa, CO | $340M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Bank of Alma | Alma, WI | $340M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens First Bank | Viroqua, WI | $344M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Bank | Lexington, TN | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Community Bank of Raymore | Raymore, MO | $347M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cowboy Bank | Kremlin, OK | $350M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cumberland Federal Bank, FSB | Cumberland, WI | $342M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers and Merchants Bank of St. Clair | Saint Clair, MO | $343M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers State Bank of Alto Pass, Ill. | Alto Pass, IL | $342M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of Hereford | Hereford, TX | $345M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Frontier Bank | Sioux Falls, SD | $349M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Glenwood State Bank | Glenwood, IA | $353M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Great Southern Bank | Meridian, MS | $355M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Harvest Bank | Kimball, MN | $355M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Iowa State Bank and Trust Company of Fairfield, Iowa | Fairfield, IA | $352M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Ireland Bank | Malad City, ID | $355M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kaw Valley Bank | Topeka, KS | $340M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Logan Bank & Trust Company | Logan, WV | $359M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| OSB Community Bank | Ottawa, IL | $356M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Premier Bank | Dubuque, IA | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| State Street Bank and Trust Company | Quincy, IL | $357M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Gordon | Gordon, NE | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The First National Bank of Mount Dora | Mount Dora, FL | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The National Bank of Andrews | Andrews, TX | $341M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Waumandee State Bank | Waumandee, WI | $345M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.99 among 14 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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Citizens National Bank of Albion does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Citizens National Bank of Albion (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 | $44K | −$1K | −2.2% |
| Q1 2026 | $45K | −$8K | −15.1% |
| Q4 2025 | $53K | −$2K | −3.6% |
| Q3 2025 | $55K | +$2K | +3.8% |
| Q2 2025 | $53K | −$6K | −10.2% |
| Q1 2025 | $59K | −$4K | −6.3% |
| Q4 2024 | $63K | $0 | 0.0% |
| Q3 2024 | $63K | +$4K | +6.8% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Citizens National Bank of Albion left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Citizens National Bank of Albion by share.
Amounts from Citizens National Bank of Albion’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Services Dormant Maintenance Fee monthly fee for checking accounts quarterly fee for savings accounts | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Services Paid Non-Sufficient Fund Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Services Returned Non-Sufficient Fund Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Services Debit/ATM Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Services Wire Transfer - Customer (Outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Services Wire Transfer - Customer (Incoming) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Services International Wire Transfer - (Outgoing) | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Services International Wire Transfer - (Incoming) | $35Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Services Cashier Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Services Consumer One-Time ACH Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Services Stop Payment for checks and Corporate ACH | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Services Foreign Check Collection | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Services Coin Counting (non-customer) | 10% | Not stated | None |
| Services Night Deposit Bag w/Lock -- (annual fee) | $30Not compared: Annual charge, not per item | per year | None |
Account Services | |||
| Services Notary Service (non-customer) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Services Garnishment, Levy & Liens | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Services Fax Machine (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 26, 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 Citizens National Bank of Albion operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $283.9M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 5 | $283.9M |
Largest competitors nearby
Local market: Edwards, Richland and Lawrence counties, IL, where it holds the most deposits.
| 9 in its local market | Deposit share |
|---|---|
| TrustBank | 25.3% |
| First National Bank in Olney | 22.9% |
| The Peoples State Bank of Newton, Illinois | 12.1% |
| Casey State Bank | 7.3% |
| First Financial Bank, National Association | 6% |
This bank holds 21.2% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
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 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.
Fee change alerts
We check once a day and send one email covering every change.