Compared with Illinois
2 of 15
compared fees are above the median.
5 below, 8 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
48th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Illinois median
of 15 compared; 5 below, 8 about the same
See the feesFee schedule read Nov 4, 2026
Call-report figures are for State Street Bank and Trust Company 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. | State Street Bank and Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.0% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (48th 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 $107K in Q2 2026, 1.9% above 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.
2 of 15 compared published fees sit above the Illinois median; 5 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.
Non-Network ATM
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 17% from Q3 2025 to Q2 2026, to $107K. Its share of revenue, 2.0%, is below the 2.1% median for banks with $300M to $1B in assets.
$107K
State Street Bank and Trust CompanyMedian
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.
State Street Bank and Trust Company · $357M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| State Street Bank and Trust Company(this institution) | Quincy, IL | $357M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| AmeriFirst Bank | Montgomery, AL | $364M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Citizens National Bank of Albion | Albion, IL | $349M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Commercial Bank & Trust Company | Monticello, AR | $364M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Desjardins Bank, National Association | Hallandale, FL | $362M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers & Merchants Bank | Miamisburg, OH | $359M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank in Port Lavaca | Port Lavaca, TX | $361M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Shore Federal Savings and Loan Association | Salisbury, MD | $367M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | 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 |
| Heritage Bank National Association | Spicer, MN | $361M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| 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 |
| Native American Bank, National Association | Denver, CO | $362M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 |
| ProGrowth Bank | Nicollet, MN | $365M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rabun County Bank | Clayton, GA | $362M | 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 |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $9 among 17 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
State Street Bank and Trust Company 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 State Street Bank and Trust Company (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 | $107K | −$11K | −9.3% |
| Q1 2026 | $118K | +$1K | +0.9% |
| Q4 2025 | $117K | −$12K | −9.3% |
| Q3 2025 | $129K | +$24K | +22.9% |
| Q2 2025 | $105K | −$1K | −0.9% |
| Q1 2025 | $106K | −$8K | −7.0% |
| Q4 2024 | $114K | −$4K | −3.4% |
| Q3 2024 | $118K | +$10K | +9.3% |
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, State Street Bank and Trust Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to State Street Bank and Trust Company by share.
Amounts from State Street Bank and Trust Company’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per quarter
per hour
per year
per year
per year
per year
per year
per year
per year
per year
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Checking Dormant Charges | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Savings Dormant Charges | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Research Time | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft/NSF Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft/NSF Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Foreign ATM Fee | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement of Debit Card and/or PIN | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Domestic Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Domestic Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer International Outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer International Incoming | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $1Not compared: Charged per page; comparison unavailable | per page | None |
Account Services | |||
| 10 x 10 x 21 ¼ | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 2 x 4 x 21 ½ | $22Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3 x 10 x 21 ¼ | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3 x 5 x 21 ¼ | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5 x 10 x 21 ¼ | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5 x 4 ½ x 19 | $26Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5 x 5 x 21 ¼ | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 9 x 10 x 21 ½ | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Drill Box | $200Not compared: Box drilling or key fee | Not stated | None |
| Lost Key | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 4 x 10 x 19 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Boxes Annual Cost (Subject to availability): 2 ¼ x 4 x 21 | $18Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Boxes Annual Cost (Subject to availability): 4 ½ x 4 x 21 ½ | $24Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishment/Levy/Citations | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | per transaction | None |
Other Fees | |||
| Duplicate Statement | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Nov 4, 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 State Street Bank and Trust Company operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $315.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $315.5M |
Largest competitors nearby
Local market: Adams county, IL, where it holds the most deposits.
| 16 in its local market | Deposit share |
|---|---|
| First Bankers Trust Company, National Association | 32.7% |
| United Community Bank | 20.9% |
| HomeBank | 8.4% |
| Liberty Bank | 6.7% |
| Town & Country Bank Midwest | 6.5% |
This bank holds 13.8% 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 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
We check once a day and send one email covering every change.