Compared with Illinois
10 of 22
compared fees are above the median.
5 below, 7 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
92nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Illinois median
of 22 compared; 5 below, 7 about the same
See the feesFee schedule read Oct 20, 2026
Call-report figures are for Prairie 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 1,681 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 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. | Prairie Community Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 20, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 6.1% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (92nd 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 $126K in Q2 2026, 59% above the same quarter a year earlier ($79K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
10 of 22 compared published fees sit above the Illinois median; 5 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.
Non-Network ATM
Monthly Maintenance
Compared at $7.48, the middle of its prices
Overdraft (OD)
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 rose 26% from Q3 2025 to Q2 2026, to $126K. Its share of revenue, 6.1%, is above the 2.1% median for banks with under $300M in assets.
$126K
Prairie Community BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $4.95 to $10; we compare the midpoint.
Prairie Community Bank · $188M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Prairie Community Bank(this institution) | Marengo, IL | $188M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BankPacific, Ltd | Hagatna, GU | $192M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bristol Morgan Bank | Oakfield, WI | $191M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Federal Savings Bank | Leavenworth, KS | $190M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens Savings Bank and Trust Company | Nashville, TN | $188M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Bank | Topeka, KS | $189M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers State Bank | West Salem, OH | $188M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers Trust & Savings Bank | Williamsburg, IA | $192M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings and Loan Association of Bath | Bath, ME | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings Bank of Champaign Urbana | Champaign, IL | $193M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings of Middletown | Middletown, NY | $188M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First State Bank | Socorro, NM | $188M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independence Bank | Independence, OH | $191M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Peoples Bank | Paris, TX | $185M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Peoples Savings Bank | Wellsburg, IA | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pine River State Bank | Pine River, MN | $185M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of Bement | Bement, IL | $186M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of Southwest Missouri | Springfield, MO | $184M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Raymond | Raymond, IL | $187M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First State Bank of Malta | Malta, MT | $190M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Home National Bank of Thorntown | Thorntown, IN | $186M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Peoples Savings Bank | Urbana, OH | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Republic Bank | Elkhorn, NE | $186M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Valley Central Bank | Liberty Township, OH | $187M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Walden Mutual Bank | Concord, NH | $193M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wrentham Co-operative Bank | Wrentham, MA | $193M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ 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.
Peer pricing snapshot
Compared at $7.48, the middle of its two prices, against a peer median of $7 among 16 publishing peers.
Its two checking prices are $4.95 and $10.
$7.48 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Prairie 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 | $126K | +$24K | +23.5% |
| Q1 2026 | $102K | −$5K | −4.7% |
| Q4 2025 | $107K | +$7K | +7.0% |
| Q3 2025 | $100K | +$21K | +26.6% |
| Q2 2025 | $79K | −$7K | −8.1% |
| Q1 2025 | $86K | −$5K | −5.5% |
| Q4 2024 | $91K | +$17K | +23.0% |
| Q3 2024 | $74K | −$16K | −17.8% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Prairie 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 Prairie Community Bank by share.
Amounts from Prairie Community Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per hour
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Secure Choice Checking Monthly service fee | $4.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account closed within 90 days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant account (per month) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account reconcilement (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account research (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statements | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Charge Item per transaction paid | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft transfer (per occurrence) | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM non-Prairie transaction | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit card replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire transfer – outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfer – incoming | $10Not compared: Monthly charge, not per item | per month | None |
| Wire transfer – international (USD) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop payment order | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check cashing – non-customer | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection item | $30Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check images (each) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Zelle® | $3Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Coin counting – non-customer | $5Above the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Deposited Item Return (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishments/levies/subpoenas | $125Above the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Other Fees | |||
| Fax charge (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Interim statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | 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 20, 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 Prairie Community Bank operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $170.9M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 4 | $170.9M |
Chicago-Naperville-Elgin, IL-IN
0% of bank deposits, #103 of 147, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 20.4% |
| BMO Bank National Association | 16.9% |
| CIBC Bank USA | 7.8% |
| Bank of America, National Association | 6.6% |
| The Northern Trust Company | 6.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Chicago-Naperville-Elgin, IL-IN, Prairie Community Bank holds 0% of bank deposits, #103 of 147, with 4 offices.
900 offices of 25 institutions shown.
Showing 900 of 2,460 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).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 147 institutions shown. $630.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0% share, 4 offices, #103 of 147
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
357 offices of 133 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
We check once a day and send one email covering every change.