Fees from its schedule are under review and appear here once review is done.
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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
38th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 14, 2026
Call-report figures are for First Federal Savings and Loan Association of Central Illinois, S.B. 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 1,681 banks with under $300M 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 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 Federal Savings and Loan Association of Central Illinois, S.B.'s published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.6% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (38th 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 $40K in Q2 2026, 18% above the same quarter a year earlier ($34K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for First Federal Savings and Loan Association of Central Illinois, S.B. (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $40K | +$6K | +17.6% |
| Q1 2026 | $34K | −$3K | −8.1% |
| Q4 2025 | $37K | −$4K | −9.8% |
| Q3 2025 | $41K | +$7K | +20.6% |
| Q2 2025 | $34K | +$1K | +3.0% |
| Q1 2025 | $33K | −$2K | −5.7% |
| Q4 2024 | $35K | −$1K | −2.8% |
| Q3 2024 | $36K | +$4K | +12.5% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, First Federal Savings and Loan Association of Central Illinois, S.B. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Federal Savings and Loan Association of Central Illinois, S.B. by share.
They stay out of every comparison until review is done.
per item
per item
per item
per item · 0.20% of the transaction on all cross-border transactions (even those with no currency conversion) - transactions processed through the Global Clearing Management System or the Mastercard Debit Switch when the country of the merchant or machine is different than cardholder country
per item · 0.20% of the transaction amount for performing currency conversions on Mastercard transactions
per item
per item
per item
per item · A single item presented for payment multiple times, and returned multiple times, may incur multiple charges. Per each returned check, per each presentment
per item · Charged per item for covering overdrafts created by check or draft, in-person withdrawal, or other electronic means.
per item · per page
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Chargeback (audience not stated, treated as personal) | $5 | per item | None |
Wire TransfersUnder review | |||
| Wire transfer – domestic (audience not stated, treated as personal) | $25 | per item | None |
| Wire transfer – foreign (audience not stated, treated as personal) | $75 | per item | None |
Other feesUnder review | |||
| Cross-Border Fee (audience not stated, treated as personal) | Not stated | per item | 0.20% of the transaction on all cross-border transactions (even those with no currency conversion) - transactions processed through the Global Clearing Management System or the Mastercard Debit Switch when the country of the merchant or machine is different than cardholder country |
| Currency Conversion Fee (audience not stated, treated as personal) | Not stated | per item | 0.20% of the transaction amount for performing currency conversions on Mastercard transactions |
| Fax – outgoing (audience not stated, treated as personal) | $3 | per item | None |
| Garnishments/levies (audience not stated, treated as personal) | $50 | per item | None |
| Institution checks (bank drafts) not made out to customer (audience not stated, treated as personal) | $3 | per item | None |
| Nonsufficient funds (audience not stated, treated as personal) | $29 | per item | A single item presented for payment multiple times, and returned multiple times, may incur multiple charges. Per each returned check, per each presentment |
| Overdraft fee (audience not stated, treated as personal) | $29 | per item | Charged per item for covering overdrafts created by check or draft, in-person withdrawal, or other electronic means. |
| Photocopies (audience not stated, treated as personal) | $0.20 | per item | per page |
| Special statement (audience not stated, treated as personal) | $2 | per item | None |
| Stop payment (audience not stated, treated as personal) | $25 | per item | None |
| Stop payment renewal (audience not stated, treated as personal) | $20 | per item | None |
| Temporary check (audience not stated, treated as personal) | $0.25 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 14, 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 First Federal Savings and Loan Association of Central Illinois, S.B. operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $201.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $201.5M |
Largest competitors nearby
Local market: Shelby and Coles counties, IL, where it holds the most deposits.
| 19 in its local market | Deposit share |
|---|---|
| First Mid Bank & Trust, National Association | 52.4% |
| Shelby County State Bank | 10.2% |
| Washington Savings Bank | 5.4% |
| First Neighbor Bank, National Association | 3.7% |
| Prairie State Bank and Trust | 3.6% |
This bank holds 6.4% 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 Illinois Department of Financial and Professional Regulation
The Illinois Department of Financial and Professional Regulation has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the 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
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows