21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 21, 2026.
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 21, 2026
Call-report figures are for Municipal Trust and Savings 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. | Municipal Trust and Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 21, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $87K in Q2 2026, 10% below the same quarter a year earlier ($97K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $6, the middle of its prices
Overdraft (OD)
Compared at $45, its standard fee, the highest of its prices
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
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.
Service-charge income fell 10% from Q3 2025 to Q2 2026, to $87K.
$87K
Municipal Trust and Savings BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Municipal Trust and Savings Bank · $382M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Municipal Trust and Savings Bank(this institution) | Bourbonnais, IL | $382M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 5Star Bank | Colorado Springs, CO | $378M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| American Community Bank of Indiana | Saint John, IN | $383M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BankGloucester | Gloucester, MA | $387M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Central Bank | Tampa, FL | $387M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Earlham Savings Bank | West Des Moines, IA | $383M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| ESB Financial | Emporia, KS | $381M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers State Bank | Center, TX | $391M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of Clarksdale | Clarksdale, MS | $386M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First State Bank | Lynnville, IA | $384M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Georgia Community Bank | Albany, GA | $375M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Great Plains State Bank | Petersburg, NE | $392M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants & Planters' Bank | Newport, AR | $379M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| New Valley Bank & Trust | Springfield, MA | $385M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pinnacle Bank | Jasper, AL | $385M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| RockPointBank, National Association | Chattanooga, TN | $384M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sandhills State Bank | North Platte, NE | $383M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Fahey Banking Company | Marion, OH | $385M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Farmers Bank of Appomattox | Appomattox, VA | $375M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First Citizens National Bank of Upper Sandusky | Upper Sandusky, OH | $390M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Fisher National Bank | Fisher, IL | $376M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Harbor Bank of Maryland | Baltimore, MD | $383M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| THE HOME LOAN SAVINGS BANK | Coshocton, OH | $387M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Peoples Community Bank | Mazomanie, WI | $389M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Roosevelt Savings Bank | Carteret, NJ | $381M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Universal Bank | West Covina, CA | $388M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ 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.
Peer pricing snapshot
Compared at $6, the middle of its eight prices, against a peer median of $6.95 among 15 publishing peers.
Its eight checking prices are $4, $5, $5, $5, $6, $6, $6 and $6.
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 Municipal Trust and Savings 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 | $87K | −$4K | −4.4% |
| Q1 2026 | $91K | −$5K | −5.2% |
| Q4 2025 | $96K | −$1K | −1.0% |
| Q3 2025 | $97K | $0 | 0.0% |
| Q2 2025 | $97K | +$4K | +4.3% |
| Q1 2025 | $93K | −$15K | −13.9% |
| Q4 2024 | $108K | +$6K | +5.9% |
| Q3 2024 | $102K | +$9K | +9.7% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Municipal Trust and Savings Bank’s own schedules, with a source for each figure.
per month
per month
per month
per month
per month
per month
per month
per month
per month
per month
per month
per month
per month
per month
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $10 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $5 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $4 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $6 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $10 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $7 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $5 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $25 | per month | None |
| Monthly Maintenance | $7 | per month | None |
| Monthly Maintenance | $5 | per month | None |
| Monthly Maintenance | $6 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $7 | per month | None |
| Monthly service charge | $6 | per month | None |
| Monthly service charge (audience not stated, treated as personal) | $6 | per month | None |
| Account closed within 6 months | $50 | Not stated | None |
| Dormant Account (no activity for 1 year) | $10 | per month | None |
| Account Reconciliation | $15 | Not stated | None |
| Monthly paper statement fee | $5 | per month | None |
| Paper Statement Fee | $5 | Not stated | None |
Overdraft & NSF | |||
| Notification of Overdraft by Phone | $10 | Not stated | None |
| Overdraft on Checking | $35 | Not stated | None |
| Overdraft on Savings | $45 | per item | None |
| Automatic Transfer to cover overdraft | $7 | Not stated | None |
ATM & Card | |||
| ATM Card Replacement Fee | $10 | Not stated | None |
| Visa Check Card Replacement Fee | $10 | Not stated | None |
Wire Transfers | |||
| Wire Transfers (Outgoing-Domestic) | $25 | Not stated | None |
| Wire Transfers (Incoming-Domestic) | $10 | Not stated | None |
| Wire Transfers (Outgoing-International) | $60 | Not stated | None |
| Wire Transfers (Incoming-International) | $40 | Not stated | None |
Check Services | |||
| Cashier's & Official Checks-Customers > | $5 | Not stated | None |
| Personal Money Orders-Up | $4 | Not stated | None |
| Stop Payment - 6 months | $35 | Not stated | None |
| Counter Checks | $3Not compared: Charged per page; comparison unavailable | per page | Counter Checks: $3.00 per page of 4 | Night Depository Services |
| Non-Customer Check Cashing | 3% | Not stated | None |
Digital & Electronic | |||
| 2%-5% of amount: ACH Return\Stop Payment for 1 year | $50 | Not stated | None |
| Bill Pay | $5 | per month | None |
Cash & Deposit | |||
| Lost Key for Locked Night Depository Bag | $10 | Not stated | None |
Account Services | |||
| 10 x 15 x 23 (Momence office only) | $100 | Not stated | None |
| 5 x 5 x 23 (Momence office only) | $35 | Not stated | None |
| 8 x 10 x 23 (Bourbonnais office only) | $65 | Not stated | None |
| Late Charge (10 days after due) | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 3 x 10 x 23 | $40 | Not stated | None |
| Safe Deposit Box 5 x 10 x 23 | $50 | Not stated | None |
| Vault Drilling (any reason) | $150Not compared: Box drilling or key fee | Not stated | None |
| Legal Document Processing: Minimum | $100 | Not stated | None |
Other Fees | |||
| Loan Payoff Subsequent Requests | $25 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 21, 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 Municipal Trust and Savings Bank operates, and what regulators and customers have on file.
In Kankakee, IL, Municipal Trust and Savings Bank holds 10.8% of bank deposits, #3 of 13, with 2 offices.
42 offices of 20 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 13 institutions shown. $2.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 10.8% share, 2 offices, #3 of 13
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
10 offices of 8 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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