Compared with Illinois
5 of 18
compared fees are above the median.
10 below, 3 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
10th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Illinois median
of 18 compared; 10 below, 3 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Community 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) 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. | Community Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 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 (10th 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 $15K in Q2 2026, 275% above the same quarter a year earlier ($4K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
5 of 18 compared published fees sit above the Illinois median; 10 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)
Compared at $15, the middle of its prices
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 25% from Q3 2025 to Q2 2026, to $15K. Its share of revenue, 0.7%, is below the 2.1% median for banks with $300M to $1B in assets.
$15K
Community BankMedian
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.
Community Bank · $311M 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 |
|---|---|---|---|---|---|---|---|
| Community Bank(this institution) | Winslow, IL | $311M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Coushatta | Coushatta, LA | $317M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | 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 |
| Bank of Yazoo City | Yazoo City, MS | $318M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Centera Bank | Sublette, KS | $318M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Guaranty Bank | Richmond, KY | $304M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Independent Bank | Saint Louis Park, MN | $314M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Bank | Longview, TX | $315M | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 |
| 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 |
| First Secure State Bank | Wonder Lake, IL | $306M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Guaranty Bank and Trust Company | New Roads, LA | $319M | Monthly maintenance not published | Publishes Out-of-network ATM | 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 |
| 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 |
| Profile Bank | Rochester, NH | $317M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Sewickley Savings Bank | Sewickley, PA | $316M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 National Iron Bank | Salisbury, CT | $318M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | 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 |
| TNBANK | Oak Ridge, TN | $318M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | 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.
Peer pricing snapshot
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 21, 2026.
Monthly maintenance fee in dollars, one mark per institution
Community Bank 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 Oct 21, 2026. Total assets from FDIC and NCUA records.
Call reports for Community 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 | $15K | −$1K | −6.3% |
| Q1 2026 | $16K | $0 | 0.0% |
| Q4 2025 | $16K | −$4K | −20.0% |
| Q3 2025 | $20K | +$16K | +400.0% |
| Q2 2025 | $4K | −$18K | −81.8% |
| Q1 2025 | $22K | −$4K | −15.4% |
| Q4 2024 | $26K | −$1K | −3.7% |
| Q3 2024 | $27K | +$3K | +12.5% |
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, Community Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Community Bank by share.
Amounts from Community Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant account fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance per statement | $5Below the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Account Research per hour | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement monthly fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Returned Statement Fee | $2Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Replace Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Cash Management Outgoing Wire Transfer Fee | $10Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire Transfer Fee | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfer Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Cash Management International Wire Transfer Fee | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| International Wire Transfer Fee | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks - Quantity 10 | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection Items | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Microfilm Copy per item | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination Fee per file | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Same Day ACH Origination Fee per file | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Unauthorized ACH Return Fee per item | $10Below the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Account Services | |||
| Lock Box Late Payment Fee - per month | $2Not compared: Monthly charge, not annual | per month | None |
| Lost Safe Deposit Key | $15Not compared: Box drilling or key fee | Not stated | None |
Vehicle & Title | |||
| Vehicle Title - paperwork processing fee | $25Inside the U.S. middle 50% ($15 to $50 nationally) | Not stated | None |
Oct 5, 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 Community Bank operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $210.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $210.7M |
Largest competitors nearby
Local market: Stephenson and Jo Daviess counties, IL, where it holds the most deposits.
| 12 in its local market | Deposit share |
|---|---|
| Foresight Bank | 27.3% |
| Apple River State Bank | 20.5% |
| Citizens State Bank | 16.1% |
| UMB Bank, National Association | 5.9% |
| U.S. Bank National Association | 5.7% |
This bank holds 8.6% 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 1, 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.