First Secure State Bank

Headquarters: Wonder Lake, Illinois
Charter: Bank
Assets: $305.6M
Fed district: Chicago
Regulator: FDIC
Holding company: First Secure Bank Group Inc.

23 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 23, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 23, 2026

How these figures are measured

Call-report figures are for First Secure State 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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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.	First Secure State Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 23, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: First Secure State Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $55K in Q2 2026, 1.9% above the same quarter a year earlier ($54K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
First Secure State Bank: $35
First Secure State Bank: $35
U.S. median: no median
NSF / Returned Item
First Secure State Bank: $35
First Secure State Bank: $35
U.S. median: no median
Non-Network ATM
First Secure State Bank: $2
First Secure State Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Illinois: Banks and credit unions headquartered in Illinois that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 3.8% from Q3 2025 to Q2 2026, to $55K.

Service-charge income, Q2 2026

$55K

$53KQ3 2025

$58KQ4 2025

$51KQ1 2026

$55KQ2 2026

Against the median

First Secure State BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

First Secure State Bank · $306M 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.

Banks only
$297M to $314M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Secure State Bank(this institution)	Wonder Lake, IL	$306M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Crockett	Bells, TN	$299M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Franklin	Meadville, MS	$302M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Montana	Missoula, MT	$309M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Caldwell Bank & Trust Company	Columbia, LA	$299M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens Guaranty Bank	Richmond, KY	$304M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Collins State Bank	Collins, WI	$301M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Bank	Winslow, IL	$311M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank and Trust Company	Muscatine, IA	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dearborn Federal Savings Bank	Dearborn, MI	$307M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
DLP Bank	Starke, FL	$301M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of South Carolina	Holly Hill, SC	$310M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grant County Bank	Ulysses, KS	$298M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Horatio State Bank	Horatio, AR	$312M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Leighton State Bank	Pella, IA	$298M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PEOPLES BANK	Sheridan, AR	$314M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PrinsBank	Prinsburg, MN	$308M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Seneca Savings Bank, National Association	Baldwinsville, NY	$312M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
SJN Bank of Kansas	Saint John, KS	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
St. Johns Bank and Trust Company	Saint Louis, MO	$297M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
State Bank of Graymont	Graymont, IL	$313M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Farmers Bank of Milton	Milton, KY	$305M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Payne County Bank	Perkins, OK	$313M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Washington Savings Bank	Lowell, MA	$302M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Washington State Bank	Washington, LA	$309M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wray State Bank	Wray, CO	$312M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	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.

Fee type

Peer pricing snapshot

First Secure State Bank does not publish a monthly maintenance fee in the index.

The peer median is $7.50 among 15 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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Secure State Bank does not publish a monthly maintenance fee, so it is not on this chart.

First Secure State BankPeer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Secure State Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $55K
vs prior quarter: +$4K+7.8%; from Q1 2026
vs a year earlier: +$1K+1.9%; from Q2 2025
vs start of range: −$6K−9.8%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: First Secure State Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$55K	+$4K	+7.8%
Q1 2026	$51K	−$7K	−12.1%
Q4 2025	$58K	+$5K	+9.4%
Q3 2025	$53K	−$1K	−1.9%
Q2 2025	$54K	−$1K	−1.8%
Q1 2025	$55K	−$3K	−5.2%
Q4 2024	$58K	−$3K	−4.9%
Q3 2024	$61K	+$3K	+5.2%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Secure State Bank’s own schedules, with a source for each figure.

Account Maintenance

Inactive / Dormant Accounts (Fee begins after 12 months with no account activity)$5
Account Reconcilement$75
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconcilement | $75 hr / 1 hr min
Account Research$75
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $75 hr / 1 hr min
Printed Statement Fee (printing and mailing)$3
Excessive Transaction Fee (Savings & Money Market Accounts)$1
per item
Return mail$5
per month

Overdraft & NSF

PLEASE NOTE: ¹Insufficient funds/overdraft/NSF charges may apply$35
PLEASE NOTE: ¹Insufficient funds/overdraft/NSF charges may apply$35
Overdraft Protection (Savings-to-checking transfer)$10

ATM & Card

ATM – Foreign Transaction Customer$2
ATM Replacement Card$10

Wire Transfers

Wire Transfer (Outgoing Domestic)$40
Wire Transfer (Incoming Domestic)$13
Wire Transfer (Outgoing International)$70
Wire Transfer (Incoming International)$35

Check Services

Cashier’s Check Customer$6
Personal Money Orders Customer$5
Stop Payment (Check or ACH)$35
Check Cashing for Non-Customer (audience not stated, treated as personal)3%($5 minimum)
Check Cashing for Non-Customer3%($5 minimum)
Check Copy$5

Cash & Deposit

Charge Back/Returned Item$15

Account Services

Safe Deposit Box Drilling$175
Not compared: Box drilling or key fee
Safe Deposit Box Lost Key$35
Not compared: Box drilling or key fee
Legal – Attachments/Levy/Citation/Subpoena, etc$150
Subordination Agreement$200
Verification of Deposit$13

Retirement & IRA

IRA Transfer (outgoing)$30

Other Fees

Fax$1
per item
Photocopies$0.50
Not compared: Charged per page; comparison unavailable
per page · Photocopies | $0.50 per page

Fee	Amount	Basis	Note
Account Maintenance
Inactive / Dormant Accounts (Fee begins after 12 months with no account activity)	$5	Not stated	None
Account Reconcilement	$75Not compared: Charged per hour; comparison unavailable	per hour	Account Reconcilement \| $75 hr / 1 hr min
Account Research	$75Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $75 hr / 1 hr min
Printed Statement Fee (printing and mailing)	$3	Not stated	None
Excessive Transaction Fee (Savings & Money Market Accounts)	$1	per item	None
Return mail	$5	per month	None
Overdraft & NSF
PLEASE NOTE: ¹Insufficient funds/overdraft/NSF charges may apply	$35	Not stated	None
PLEASE NOTE: ¹Insufficient funds/overdraft/NSF charges may apply	$35	Not stated	None
Overdraft Protection (Savings-to-checking transfer)	$10	Not stated	None
ATM & Card
ATM – Foreign Transaction Customer	$2	Not stated	None
ATM Replacement Card	$10	Not stated	None
Wire Transfers
Wire Transfer (Outgoing Domestic)	$40	Not stated	None
Wire Transfer (Incoming Domestic)	$13	Not stated	None
Wire Transfer (Outgoing International)	$70	Not stated	None
Wire Transfer (Incoming International)	$35	Not stated	None
Check Services
Cashier’s Check Customer	$6	Not stated	None
Personal Money Orders Customer	$5	Not stated	None
Stop Payment (Check or ACH)	$35	Not stated	None
Check Cashing for Non-Customer (audience not stated, treated as personal)	3%($5 minimum)	Not stated	None
Check Cashing for Non-Customer	3%($5 minimum)	Not stated	None
Check Copy	$5	Not stated	None
Cash & Deposit
Charge Back/Returned Item	$15	Not stated	None
Account Services
Safe Deposit Box Drilling	$175Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lost Key	$35Not compared: Box drilling or key fee	Not stated	None
Legal – Attachments/Levy/Citation/Subpoena, etc	$150	Not stated	None
Subordination Agreement	$200	Not stated	None
Verification of Deposit	$13	Not stated	None
Retirement & IRA
IRA Transfer (outgoing)	$30	Not stated	None
Other Fees
Fax	$1	per item	None
Photocopies	$0.50Not compared: Charged per page; comparison unavailable	per page	Photocopies \| $0.50 per page

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 23, 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.

Fee change alerts

Get an email when First Secure State Bank's safe deposit box changes in our data

We check once a day and send one email covering every change.