Compared with Illinois
11 of 16
compared fees are above the median.
3 below, 2 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
94th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Illinois median
of 16 compared; 3 below, 2 about the same
See the feesFee schedule read Oct 13, 2026
Call-report figures are for State Bank of Whittington 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. | State Bank of Whittington's published fee schedule; Bank Fee Index medians | Current schedule | Oct 13, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 6.7% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (94th 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 $151K in Q2 2026, 11% above the same quarter a year earlier ($136K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
11 of 16 compared published fees sit above the Illinois median; 3 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.
Monthly Maintenance
Compared at $15, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income rose 2.0% from Q3 2025 to Q2 2026, to $151K. Its share of revenue, 6.7%, is above the 2.1% median for banks with under $300M in assets.
$151K
State Bank of WhittingtonMedian
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 $3 to $50; we compare the midpoint.
State Bank of Whittington · $180M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| State Bank of Whittington(this institution) | Benton, IL | $180M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Clarkson | Clarkson, KY | $178M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Hydro | Hydro, OK | $181M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Prairie Village | Prairie Village, KS | $176M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bank of South Texas | Mcallen, TX | $175M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Community State Bank | Royal Center, IN | $176M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers State Bank & Trust Co. | Church Point, LA | $175M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Iroquois Farmers State Bank | Iroquois, IL | $174M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| LNB Community Bank | Lynnville, IN | $181M | Monthly maintenance not published | Publishes Out-of-network ATM | 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 |
| 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 |
| Slovenian Savings and Loan Association of Franklin-Conemaugh | Conemaugh, PA | $181M | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 Farmers State Bank of Aliceville, Kansas | Westphalia, KS | $180M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | 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 Shelby | Shelby, MT | $176M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Goose River Bank | Mayville, ND | $173M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 Warrington Bank | Pensacola, FL | $174M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Town Center Bank | Frankfort, IL | $181M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Twin River Bank | Lewiston, ID | $173M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Union Savings Bank | Freeport, IL | $182M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Woodland Bank | Deer River, MN | $177M | 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 · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $15, the middle of its six prices, against a peer median of $7.50 among 15 publishing peers.
Its six checking prices are $3, $5, $5, $15, $15 and $50.
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 State Bank of Whittington (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 | $151K | +$3K | +2.0% |
| Q1 2026 | $148K | −$5K | −3.3% |
| Q4 2025 | $153K | +$5K | +3.4% |
| Q3 2025 | $148K | +$12K | +8.8% |
| Q2 2025 | $136K | −$5K | −3.5% |
| Q1 2025 | $141K | −$13K | −8.4% |
| Q4 2024 | $154K | −$2K | −1.3% |
| Q3 2024 | $156K | +$11K | +7.6% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, State Bank of Whittington left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to State Bank of Whittington by share.
Amounts from State Bank of Whittington’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
avoid imposition of fees - A service charge fee of $15.00 will be imposed every four-week statement cycle if the balance in the account falls below
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per month
per month
per month
per item
per month
per hour
per item
per item
per item
per item
per item
per item
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per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account’s monthly fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| InControl Checking Monthly maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge fee (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | avoid imposition of fees - A service charge fee of $15.00 will be imposed every four-week statement cycle if the balance in the account falls below |
| Service charge fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge fee (audience not stated, treated as personal) | $50Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Versatile checking option Monthly service fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account closing fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant account fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive account fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Inactive account fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Per item service charge fee | $25Inside the U.S. middle 50% ($6.44 to $25 nationally) | per item | None |
| Excess withdrawal fee | $2Below the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft Fee (audience not stated, treated as personal) | $33Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Fee or an N (audience not stated, treated as personal) | $33Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdrafts — each overdraft paid | $33Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Nonsufficient funds (NSF) | $33Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF Fee (audience not stated, treated as personal) | $33Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing | $45Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Incoming | $35Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: Foreign Outgoing | $150Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop payments — Specific items | $38Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payments —- ACH payments | $38Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks: (per package) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
Cash & Deposit | |||
| Return deposit item fee (audience not stated, treated as personal) | $5Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Lock Box Drilling | $50Not compared: Box drilling or key fee | Not stated | None |
| Lost key replacement | $25Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box 10X10 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X10 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X5 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X10 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishments and Levies | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Other Fees | |||
| Statement reprint | $3Inside the U.S. middle 50% ($2 to $5 nationally) | 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
Oct 13, 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 State Bank of Whittington operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $159.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 5 | $159.7M |
Largest competitors nearby
Local market: Franklin county, IL, where it holds the most deposits.
| 8 in its local market | Deposit share |
|---|---|
| Banterra Bank | 32.9% |
| Peoples National Bank , N.A. | 14.9% |
| Southern Illinois Bank | 10.7% |
| U.S. Bank National Association | 8.6% |
| Legence Bank | 6.8% |
This bank holds 19.3% 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 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.