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

Frederick Community Bank, The

Paxton, 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

Dormant account fee$3Below the typical range ($5–$10 nationally)

Savings accounts are considered dormant if for two years no withdrawals or deposits, other than credited interest, have$6

$1 above the national median$1 above the Illinois median

Source

Overdraft & NSFVerified

Overdraft Fee$25Within the typical range ($25–$33 nationally)
$5 below the national median$5 below the Illinois median
per item · Source
Returned Item Fee (NSF)$25Within the typical range ($25–$32 nationally)
$5 below the national median$5 below the Illinois median
per item · Source

Check ServicesVerified

Cashiers Check$5Within the typical range ($3–$6 nationally)
At the national medianAt the Illinois median
Source
Money Order$2Within the typical range ($1.50–$3 nationally)
At the national median$0.25 below the Illinois median
Source
Stop Payments$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$4.50 below the Illinois median
per item · Source
Counter checks$2Within the typical range ($1–$4 nationally)
At the national median$0.50 above the Illinois median
Source
Foreign Check Collection$15Within the typical range ($10–$25 nationally)
$5 below the national medianAt the Illinois median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Dormant account fee	$3Below the typical range ($5–$10 nationally)	$2 below the national median$2 below the Illinois median	per month	—	Source
Savings accounts are considered dormant if for two years no withdrawals or deposits, other than credited interest, have	$6Within the typical range ($5–$10 nationally)	$1 above the national median$1 above the Illinois median	—	—	Source
Account research	$25Within the typical range ($11.75–$25 nationally)	$7.50 above the national median$5 above the Illinois median	—	—	Source
Overdraft & NSFVerified
Overdraft Fee	$25Within the typical range ($25–$33 nationally)	$5 below the national median$5 below the Illinois median	per item	—	Source
Returned Item Fee (NSF)	$25
ATM & CardVerified
Replace lost debit card	$10Within the typical range ($5–$10 nationally)	At the national medianAt the Illinois median	—	—	Source
Check ServicesVerified
Cashiers Check	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Illinois median	—	—	Source
Money Order	$2
Account ServicesVerified
Garnishment/levies/subpoena	$50Within the typical range ($30–$90 nationally)	At the national median$25 below the Illinois median	—	—	Source
Gift & Prepaid CardsVerified
Gift Card	$5Above the typical range ($3–$4.95 nationally)	$1.50 above the national median$1.50 above the Illinois median	—	—	Source

Fee change alerts

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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

$25

Overdraft fee: $25

17% below the national median overdraft fee

13 verified fees collected

Headline fees published

5 of 15

Published fees

Under review

Assets

$196.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$196.1M

Total deposits

$174.9M

Service charge income

$40K

Fee income ratio

1.8%

Return on assets

2.22%

Branches

Service charge income by quarter

Q2 2026$40K

Q1 2026$34K

Q4 2025$40K

Q3 2025$39K

Financial profile · Pro

Performance from regulator filings

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