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
14th 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 Aug 12, 2026
Call-report figures are for Peru Federal Savings 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 1,681 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. | Peru Federal Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Aug 12, 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 1,681 banks with under $300M in assets (14th 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 $13K in Q2 2026, about level with the same quarter a year earlier ($13K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Peru Federal Savings Bank (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 | $13K | +$1K | +8.3% |
| Q1 2026 | $12K | $0 | 0.0% |
| Q4 2025 | $12K | −$1K | −7.7% |
| Q3 2025 | $13K | $0 | 0.0% |
| Q2 2025 | $13K | +$1K | +8.3% |
| Q1 2025 | $12K | −$5K | −29.4% |
| Q4 2024 | $17K | +$2K | +13.3% |
| Q3 2024 | $15K | +$2K | +15.4% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Peru Federal Savings Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Peru Federal Savings Bank by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Service fee (average daily balance for the monthly statement cycle falls below $1,000) (audience not stated, treated as personal) | $10 | per month | None |
| Service fee (average daily balance for the monthly statement cycle falls below $10,000.00) (audience not stated, treated as personal) | $25 | per month | None |
| Service fee (average daily balance per month falls below $100.00) (audience not stated, treated as personal) | $1 | per month | None |
| Service fee (average daily balance per quarter falls below $100.00) (audience not stated, treated as personal) | $1 | per item | None |
Other feesUnder review | |||
| E-statement savings account or a second checking account to this checking account in an amount sufficient to cover an ov (audience not stated, treated as personal) | $3 | per item | None |
| Minimum Service Fee (audience not stated, treated as personal) | $4.95 | per month | None |
| Service fee (average daily balance for the monthly statement cycle falls below $10,000.00) (audience not stated, treated as personal) | $25 | per month | None |
| Service fee (average daily balance for the monthly statement cycle falls below $100.00) (audience not stated, treated as personal) | $1 | per month | None |
| Service fee (average daily balance per quarter falls below $100.00) (audience not stated, treated as personal) | $1 | per item | None |
| Sweep Protection (audience not stated, treated as personal) | $3 | per transaction | None |
| to % with and APY of % (audience not stated, treated as personal) | $5,000 | Not stated | None |
| to % with and APY of % (audience not stated, treated as personal) | $100,000 | Not stated | None |
| to % with and APY of % (audience not stated, treated as personal) | $25,000 | Not stated | None |
| to % with and APY of % (audience not stated, treated as personal) | $2,500 | Not stated | None |
| to % with and APY of % (audience not stated, treated as personal) | $500 | Not stated | None |
| to % with and APY of % (audience not stated, treated as personal) | No charge | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Aug 12, 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 Peru Federal Savings Bank operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $172.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $172.8M |
Largest competitors nearby
Local market: LaSalle county, IL, where it holds the most deposits.
| 27 in its local market | Deposit share |
|---|---|
| American Commercial Bank & Trust, National Association | 28.6% |
| First State Bank | 14.9% |
| Midland States Bank | 8.1% |
| Eureka Savings Bank | 6.8% |
| OSB Community Bank | 5.7% |
This bank holds 4.2% 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 OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, 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.
Holding company
PFS Bancorp, Inc. (OTC: PFSB)
Consolidated assets
$208.0M
Shareholders' equity
$39.4M
As of
2026Q2
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 1967656. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
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