Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

Farmers State Bank of Alto Pass, Ill.

Alto Pass, IllinoisBankChicago Fed districtFees collected Mar 11, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account closure fee for accounts closed within 90 days$20Within the typical range ($10–$25 nationally)

Overdraft & NSFVerified

Paid Item fee (each)$35Above the typical range ($25–$32 nationally)
$5 above the national median
Source
Returned Item fee (each)$35Above the typical range ($25–$31 nationally)
$5 above the national median
Source

ATM & CardVerified

Debit Card replacement$10Within the typical range ($5–$10 nationally)
At the national median
Source
Expedited Debit Card replacement$40Within the typical range ($30–$50 nationally)
At the national median
Source

Wire TransfersVerified

WIRE FEES: Incoming$15Within the typical range ($5–$15 nationally)
$5 above the national median
Source
WIRE FEES: Outgoing$25Within the typical range ($20–$25 nationally)
At the national median
Source

Check ServicesVerified

Cashier’s check$4Within the typical range ($3–$5.75 nationally)
$1 below the national median
Source
Personal Money Order$4Above the typical range ($1.75–$3 nationally)
$2 above the national median
Source
Stop Payments (each)$25Within the typical range ($20–$30 nationally)
At the national median
Source

Cash & DepositVerified

Night Deposit bag (locking) first free; each additional$15Within the typical range ($5–$20 nationally)
$2 above the national median
Source
Night Deposit key first free; each additional$5Within the typical range ($5–$20 nationally)
$8 below the national median
Source

Account ServicesVerified

10X10$85Above the typical range ($25–$80 nationally)
$40 above the national median
Source
3X10 (Harrisburg only)$45Within the typical range ($25–$80 nationally)
At the national median
Source
3X5 (Harrisburg only)$30Within the typical range ($25–$80 nationally)
$15 below the national median
Source
5X10$55Within the typical range ($25–$80 nationally)
$10 above the national median
Source
7X10$75Within the typical range ($25–$80 nationally)
$30 above the national median
Source
Drilling Charge$300Above the typical range ($25–$80 nationally)
$255 above the national median
Source
Garnishments & Levies$100Above the typical range ($30–$75 nationally)
$50 above the national median
Source
Notary Service$2Within the typical range ($0–$5 nationally)
$0.50 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account closure fee for accounts closed within 90 days	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	—	Source
Account reconciliation fee per hour (min )	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
Christmas Club early withdrawal fee	$15Within the typical range ($10–$25 nationally)	At the national median	—	—	Source
Dormant Account Fee (monthly)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Paid Item fee (each)	$35Above the typical range ($25–$32 nationally)	$5 above the national median	—	—	Source
Returned Item fee (each)	$35
ATM & CardVerified
Debit Card replacement	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Expedited Debit Card replacement	$40
Wire TransfersVerified
WIRE FEES: Incoming	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	—	Source
WIRE FEES: Outgoing	$25
Check ServicesVerified
Cashier’s check	$4Within the typical range ($3–$5.75 nationally)	$1 below the national median	—	—	Source
Personal Money Order	$4
Cash & DepositVerified
Night Deposit bag (locking) first free; each additional	$15Within the typical range ($5–$20 nationally)	$2 above the national median	—	—	Source
Night Deposit key first free; each additional	$5
Account ServicesVerified
10X10	$85Above the typical range ($25–$80 nationally)	$40 above the national median	—	—	Source
3X10 (Harrisburg only)	$45
Lending FeesVerified
Late Payment after 30 days (per month)	$20Within the typical range ($15–$25 nationally)	$2.25 below the national median	per month	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 24 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$342.4M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$342.4M

Total deposits

$307.2M

Service charge income

$52K

Fee income ratio

0.75%

Return on assets

2.01%

Branches

Service charge income by quarter

Q2 2026$52K

Q1 2026$51K

Q4 2025$54K

Q3 2025$54K

Financial profile · Pro

Farmers State Bank of Alto Pass, Ill.

Published fees

Get an email when Farmers State Bank of Alto Pass, Ill. changes a fee

How the headline fees compare

Size and fee revenue

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings