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

The First National Bank of Raymond

Raymond, IllinoisBankChicago Fed districtFees collected Oct 5, 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

Account Research/Reconciliation$25Within the typical range ($20–$25 nationally)

ATM & CardVerified

ATM Withdrawal (from Checking or Savings at an ATM owned by another institution)$1Within the typical range ($1–$2.50 nationally)
$0.75 below the national median
Source
Replacement Debit/ATM Card$10Within the typical range ($5–$10 nationally)
At the national median
Source

Wire TransfersVerified

Wire Transfer - Incoming$10Within the typical range ($5–$15 nationally)
At the national median
Source
Wire Transfer – Outgoing$30Above the typical range ($20–$25 nationally)
$5 above the national median
Source

Check ServicesVerified

Cashier's Check$4Within the typical range ($3–$5.50 nationally)
$1 below the national median
Source
Check Cashing for Non-Customers$10Within the typical range ($5–$10 nationally)
$5 above the national median
Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$4 above the national median
Source

Account ServicesVerified

Garnishments/Levies$60Within the typical range ($30–$75 nationally)
$10 above the national median
Source
Safe Deposit Box Drilling$25Within the typical range ($25–$80 nationally)
$20 below the national median
Source
Safe Deposit Box Key replacement (requires the reissue of 2 new keys)$50Within the typical range ($25–$80 nationally)
$5 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research/Reconciliation	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Deposit Account closed within 90 days of opening	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	—	Source
Inactive Account (applies to Checking and Savings accounts inactive for 24 months)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Overdraft and Non-Sufficient Funds (NSF) Fees	$30Within the typical range ($25–$32 nationally)	At the national median	per item	—	Source
ATM & CardVerified
ATM Withdrawal (from Checking or Savings at an ATM owned by another institution)	$1Within the typical range ($1–$2.50 nationally)	$0.75 below the national median	—	—	Source
Replacement Debit/ATM Card	$10
Wire TransfersVerified
Wire Transfer - Incoming	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Wire Transfer – Outgoing	$30
Check ServicesVerified
Cashier's Check	$4Within the typical range ($3–$5.50 nationally)	$1 below the national median	—	—	Source
Check Cashing for Non-Customers	$10
Cash & DepositVerified
Night Deposit Locking Bag	$25Above the typical range ($5–$20 nationally)	$12 above the national median	—	—	Source
Account ServicesVerified
Garnishments/Levies	$60Within the typical range ($30–$75 nationally)	$10 above the national median	—	—	Source
Safe Deposit Box Drilling	$25
Other FeesVerified
Photocopies	$0.20Below the typical range ($2–$5 nationally)	$2.80 below the national median	—	—	Source

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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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 16 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$187.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$187.1M

Total deposits

$172.3M

Service charge income

$48K

Fee income ratio

2.8%

Return on assets

1.24%

Branches

Service charge income by quarter

Q2 2026$48K

Q1 2026$44K

Q4 2025$52K

Q3 2025$53K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 34,850 published fee entries from 2,498 institutions

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