Compared with Illinois
9 of 17
compared fees are above the median.
4 below, 4 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
13th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Illinois median
of 17 compared; 4 below, 4 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for Farmers State Bank of Alto Pass, Ill. 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. | Farmers State Bank of Alto Pass, Ill.'s published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.7% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (13th 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 $52K in Q2 2026, 21% above the same quarter a year earlier ($43K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
9 of 17 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.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
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 3.7% from Q3 2025 to Q2 2026, to $52K. Its share of revenue, 0.7%, is below the 2.1% median for banks with $300M to $1B in assets.
$52K
Farmers State Bank of Alto Pass, Ill.Median
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.
Farmers State Bank of Alto Pass, Ill. · $342M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Farmers State Bank of Alto Pass, Ill.(this institution) | Alto Pass, IL | $342M | 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 |
| Bath State Bank | Bath, IN | $338M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Charles River Bank | Medway, MA | $336M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens First Bank | Viroqua, WI | $344M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| 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 |
| Eastern Savings Bank, FSB | Hunt Valley, MD | $336M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| 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 |
| 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 |
| Kaw Valley Bank | Topeka, KS | $340M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northern State Bank | Ashland, WI | $331M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| O'Bannon Banking Company | Buffalo, MO | $333M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Citizens Bank Company | Beverly, OH | $335M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First Security Bank | Beaver, OK | $335M | Monthly maintenance not published | 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 |
| Traditions First Bank | Erin, TN | $337M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ultima Bank Minnesota | Winger, MN | $334M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8.25 among 12 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
Farmers State Bank of Alto Pass, Ill. 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 Farmers State Bank of Alto Pass, Ill. (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 | $52K | +$1K | +2.0% |
| Q1 2026 | $51K | −$3K | −5.6% |
| Q4 2025 | $54K | $0 | 0.0% |
| Q3 2025 | $54K | +$11K | +25.6% |
| Q2 2025 | $43K | −$3K | −6.5% |
| Q1 2025 | $46K | −$5K | −9.8% |
| Q4 2024 | $51K | +$7K | +15.9% |
| Q3 2024 | $44K | −$1K | −2.2% |
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, Farmers State Bank of Alto Pass, Ill. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Farmers State Bank of Alto Pass, Ill. by share.
Amounts from Farmers State Bank of Alto Pass, Ill.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account closure fee for accounts closed within 90 days | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (monthly) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account reconciliation fee per hour (min $30) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research per hour (min $30) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Paid Item fee (each) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item fee (each) | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Debit Card replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Debit Card replacement | $40Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| WIRE FEES: Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| WIRE FEES: Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| WIRE FEES: International | $75Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s check | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Personal Money Order | $4Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments (each) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Night Deposit key first free; each additional | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Account Services | |||
| Notary Service | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 3X10 (Harrisburg only) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3X5 (Harrisburg only) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Drilling Charge | $300Not compared: Box drilling or key fee | Not stated | None |
| Late Payment after 30 days (per month) | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10X10 | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5X10 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 7X10 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishments & Levies | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Copies per page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Reproduction per statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 10, 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 Farmers State Bank of Alto Pass, Ill. operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $307.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 5 | $307.2M |
Largest competitors nearby
Local market: Saline, Williamson and Union counties, IL, where it holds the most deposits.
| 19 in its local market | Deposit share |
|---|---|
| Banterra Bank | 19.9% |
| First Southern Bank | 13% |
| Legence Bank | 10.6% |
| The Bank of Herrin | 10.1% |
| Peoples National Bank , N.A. | 8% |
This bank holds 9.5% 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.