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, under $300M

Raritan State Bank

Raritan, IllinoisBankChicago Fed districtFees collected Oct 6, 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

Service Charge for NOW Account | Under$5Within the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Paid Overdraft Items The categories of transactions for which an overdraft fee may be imposed are those by any of the fo$35Above the typical range ($25–$33 nationally)
$5 above the national median$5 above the Illinois median
per item · Source

Wire TransfersVerified

Outgoing Wire Transfers$22Within the typical range ($20–$25 nationally)
$3 below the national median$3 below the Illinois median
Source
Incoming Wire Transfers$7Within the typical range ($5–$15 nationally)
$3 below the national median$3 below the Illinois median
Source

Check ServicesVerified

Cashier’s Checks$2Below the typical range ($3–$6 nationally)
$3 below the national median$3 below the Illinois median
Source
Stop Payment Fee The bank will accept stop payment requests verbally or over the phone, however, no liability is assumed$35Above the typical range ($20–$30 nationally)
$7.50 above the national median$5.50 above the Illinois median
Source

Account ServicesVerified

Replacement of lost safe deposit box key$20Below the typical range ($30–$70 nationally)
$25 below the national median$25 below the Illinois median
Source
Safe Deposit Box Late Fee$5Below the typical range ($30–$70 nationally)
$40 below the national median$40 below the Illinois median
per month · Source

Other FeesVerified

Photocopies -Color$0.65Below the typical range ($2–$5 nationally)
$2.35 below the national median$1.35 below the Illinois median
per item · Source
Statement Reprint$3Within the typical range ($2–$5 nationally)
At the national median$1 above the Illinois median
Source
Statement Reprint with images$5Within the typical range ($2–$5 nationally)
$2 above the national median$3 above the Illinois median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Service Charge for NOW Account \| Under	$5Within the typical range ($4–$10 nationally)	$1 below the national median$2.24 below the Illinois median	per month	—	Source
Balancing Statements/Checkbook	$15Within the typical range ($11–$25 nationally)	$2.50 below the national median$5 below the Illinois median	—	—	Source
Overdraft & NSFVerified
Paid Overdraft Items The categories of transactions for which an overdraft fee may be imposed are those by any of the fo	$35Above the typical range ($25–$33 nationally)	$5 above the national median$5 above the Illinois median	per item	—	Source
Wire TransfersVerified
Outgoing Wire Transfers	$22Within the typical range ($20–$25 nationally)	$3 below the national median$3 below the Illinois median	—	—	Source
Incoming Wire Transfers	$7
Check ServicesVerified
Cashier’s Checks	$2Below the typical range ($3–$6 nationally)	$3 below the national median$3 below the Illinois median	—	—	Source
Stop Payment Fee The bank will accept stop payment requests verbally or over the phone, however, no liability is assumed	$35
Account ServicesVerified
Replacement of lost safe deposit box key	$20Below the typical range ($30–$70 nationally)	$25 below the national median$25 below the Illinois median	—	—	Source
Safe Deposit Box Late Fee	$5
Lending FeesVerified
Late charge on Payment Loans	5%($15 minimum)	—	—	—	Source
Other FeesVerified
Photocopies -Color	$0.65Below the typical range ($2–$5 nationally)	$2.35 below the national median$1.35 below the Illinois median	per item	—	Source
Statement Reprint	$3

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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

12 verified fees collected

Headline fees published

6 of 15

Published fees

Under review

Assets

$253.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$253.9M

Total deposits

$223.6M

Service charge income

$83K

Fee income ratio

3.4%

Return on assets

1.14%

Branches

Service charge income by quarter

Q2 2026$83K

Q1 2026$84K

Q4 2025$91K

Q3 2025$106K

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 66,495 published fee entries from 3,615 institutions

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