First FSB of Mascoutah

Headquarters: Mascoutah, Illinois
Charter: Bank
Assets: $207.3M
Fed district: St. Louis
Regulator: Federal Reserve

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

Source: its fee schedule, read Oct 24, 2026.

Overview

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
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 24, 2026

How these figures are measured

Call-report figures are for First FSB of Mascoutah 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) 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 FSB of Mascoutah's published fee schedule; Bank Fee Index medians	Current schedule	Oct 24, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First FSB of Mascoutah (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $9K in Q2 2026, 29% above the same quarter a year earlier ($7K).
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.

Monthly Maintenance
Interest Bearing Account $5 to $15
Compared at $7.50, the middle of its prices
First FSB of Mascoutah: $5 to $15
First FSB of Mascoutah: $5 to $15
U.S. median: no median
Stop Payment
First FSB of Mascoutah: $30
First FSB of Mascoutah: $30
U.S. median: no median
Wire Transfer (Domestic In)
First FSB of Mascoutah: $10
First FSB of Mascoutah: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 24, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, the St. Louis 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.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 13% from Q3 2025 to Q2 2026, to $9K.

Service-charge income, Q2 2026

$9K

$8KQ3 2025

$7KQ4 2025

$8KQ1 2026

$9KQ2 2026

Against the median

First FSB of MascoutahMedian

Sources and open questions

FFIEC 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 FSB of Mascoutah · $207M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$201M to $214M in assets
Headquartered in 17 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 FSB of Mascoutah(this institution)	Mascoutah, IL	$207M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Aroostook County Federal Savings and Loan Association	Caribou, ME	$214M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Badger Bank	Fort Atkinson, WI	$206M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank 21	Carrollton, MO	$202M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Commerce	Chelsea, OK	$203M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Delight	Delight, AR	$201M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Calhoun County Bank, Inc.	Grantsville, WV	$212M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Carroll County Trust Company of Carrollton, Missouri	Carrollton, MO	$208M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Commonwealth Co-operative Bank	Hyde Park, MA	$205M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community State Bank	Lamar, CO	$208M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
ESB Bank	Caledonia, MN	$209M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers & Merchants Bank & Trust	Burlington, IA	$208M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Cahawba Bank	Selma, AL	$206M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Halstead Bank	Halstead, KS	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Horizon Financial Bank	Munich, ND	$201M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kendall Bank	Overland Park, KS	$211M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Minnstar Bank National Association	Lake Crystal, MN	$204M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Paper City Savings Bank, S.A.	Wisconsin Rapids, WI	$208M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
PeoplesTrust Bank	Hamilton, AL	$201M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southern Hills Community Bank	Leesburg, OH	$210M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First National Bank of Dryden	Dryden, NY	$204M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Groton	Groton, NY	$204M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Jefferson Bank	Greenville, MS	$211M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Lyon County State Bank	Emporia, KS	$212M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Portage County Bank	Almond, WI	$210M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Vidalia Federal Savings Bank	Vidalia, GA	$212M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.51 (25%) above the median of similar-sized banks.

Compared at $7.50, the middle of its four prices, against a peer median of $5.99 among 16 publishing peers.

Its four checking prices are $5, $5, $10 and $15.

$7.50 is a comparison price, not a fee anyone is charged.

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 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

First FSB of Mascoutah: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 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 FSB of Mascoutah (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $9K
vs prior quarter: +$1K+12.5%; from Q1 2026
vs a year earlier: +$2K+28.6%; from Q2 2025
vs start of range: −$2K−18.2%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First FSB of Mascoutah (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$9K	+$1K	+12.5%
Q1 2026	$8K	+$1K	+14.3%
Q4 2025	$7K	−$1K	−12.5%
Q3 2025	$8K	+$1K	+14.3%
Q2 2025	$7K	−$1K	−12.5%
Q1 2025	$8K	−$1K	−11.1%
Q4 2024	$9K	−$2K	−18.2%
Q3 2024	$11K	+$3K	+37.5%

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 FSB of Mascoutah’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$5
per month
Service Charge$5
waived if balance is $50 and up
Service Charge$15
waived if balance is $5,000 and up
Service Charge$10
waived if balance is $500 and up
Early Account Closure Fee (If closed within first 90 days of opening)$30
Emergency account closure charge (Christmas Club)$15
one time
Fee to close (A+ Savings)$20
one time
Checking and Savings Dormant Account Fee (after 760 days dormant)$5
per month
Account Reconciliation$15
Not compared: Charged per half hour; comparison unavailable
per half hour · Account Reconciliation | $15.00 per 1/2 Hour
MMDA and Savings Excessive Transaction Fee$5
per item
Undeliverable Mail$3
Not compared: Charged per statement; comparison unavailable
per statement · Undeliverable Mail | $3.00 per statement

Overdraft & NSF

Consecutive Overdraft Fee$5
per day
Overdraft Transfer Fee$5
per item

ATM & Card

Debit Card Replacement (Lost Card)$10
per item

Wire Transfers

Wire Transfers: Incoming$10
per item

Check Services

Official Check (customers only)$5
per item
Stop Payment Fee$30
per item
Temporary Checks$0.50
per item
Non-Customer Check Cashing$5
per item
Photocopy of Check$5
per item

Digital & Electronic

ACH Return Charge$25
per item

Cash & Deposit

Return Deposited Item Fee$25
per item

Account Services

Notary Fee (non-customers)$1
Late Fee (after 30 day grace period)$5
Not compared: Box drilling or key fee
One Lost Key$30
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$55
Safe Deposit Box 3x10$30
Safe Deposit Box 3x5$20
Safe Deposit Box 5x10$35
Two Lost Keys/Drilling Fee$200
Not compared: Box drilling or key fee
Garnishments/Levies/Subpoenas$100

Other Fees

Statement Copies$3
Not compared: Charged per statement; comparison unavailable
per statement · Statement Copies | $3.00 per statement (First 6 statements are free)

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$5	per month	None
Service Charge	$5	Not stated	waived if balance is $50 and up
Service Charge	$15	Not stated	waived if balance is $5,000 and up
Service Charge	$10	Not stated	waived if balance is $500 and up
Early Account Closure Fee (If closed within first 90 days of opening)	$30	Not stated	None
Emergency account closure charge (Christmas Club)	$15	one time	None
Fee to close (A+ Savings)	$20	one time	None
Checking and Savings Dormant Account Fee (after 760 days dormant)	$5	per month	None
Account Reconciliation	$15Not compared: Charged per half hour; comparison unavailable	per half hour	Account Reconciliation \| $15.00 per 1/2 Hour
MMDA and Savings Excessive Transaction Fee	$5	per item	None
Undeliverable Mail	$3Not compared: Charged per statement; comparison unavailable	per statement	Undeliverable Mail \| $3.00 per statement
Overdraft & NSF
Consecutive Overdraft Fee	$5	per day	None
Overdraft Transfer Fee	$5	per item	None
ATM & Card
Debit Card Replacement (Lost Card)	$10	per item	None
Wire Transfers
Wire Transfers: Incoming	$10	per item	None
Check Services
Official Check (customers only)	$5	per item	None
Stop Payment Fee	$30	per item	None
Temporary Checks	$0.50	per item	None
Non-Customer Check Cashing	$5	per item	None
Photocopy of Check	$5	per item	None
Digital & Electronic
ACH Return Charge	$25	per item	None
Cash & Deposit
Return Deposited Item Fee	$25	per item	None
Account Services
Notary Fee (non-customers)	$1	Not stated	None
Late Fee (after 30 day grace period)	$5Not compared: Box drilling or key fee	Not stated	None
One Lost Key	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$55	Not stated	None
Safe Deposit Box 3x10	$30	Not stated	None
Safe Deposit Box 3x5	$20	Not stated	None
Safe Deposit Box 5x10	$35	Not stated	None
Two Lost Keys/Drilling Fee	$200Not compared: Box drilling or key fee	Not stated	None
Garnishments/Levies/Subpoenas	$100	Not stated	None
Other Fees
Statement Copies	$3Not compared: Charged per statement; comparison unavailable	per statement	Statement Copies \| $3.00 per statement (First 6 statements are free)

Correct a fee source

Oct 24, 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.

Branches and public record

Where First FSB of Mascoutah operates, and what regulators and customers have on file.

Market position

In St. Louis, MO-IL, First FSB of Mascoutah holds 0.1% of bank deposits, #68 of 111, with 3 offices.

Compare fees with the 74 St. Louis, MO-IL banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 91 institutions shown.

First FSB of MascoutahOther banksCredit unions

Showing 900 of 1,001 offices: the largest institutions' offices, with banks and credit unions in proportion.

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: St. Louis, MO-IL metro (FDIC metro code 41180), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 24 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1U.S. Bank National Association13.0%
2Stifel Bank and Trust12.4%
3Bank of America, National Association11.8%
4Stifel Bank9.6%
5Commerce Bank5.8%
6Enterprise Bank & Trust3.9%
7Regions Bank3.7%
8PNC Bank, National Association2.4%
68First FSB of Mascoutah0.1%

9 of 111 institutions shown. $141.7B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: St. Louis, MO-IL metro (FDIC metro code 41180)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.1% share, 3 offices, #68 of 111

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: St. Louis, MO-IL metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

207 offices of 43 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

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 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

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