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

Town Center Bank

Frankfort, IllinoisBankChicago Fed districtFees collected Feb 17, 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 Closed within 90 days Fee$15Within the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=early_closure; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Account Closed within 90 days Fee .................................................................................... $15.00" · Source

Account Research Fee (per hour)$25

At the national median

Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=account_research; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Account Research Fee (per hour) ....................................................................................... $25.00" · Source

Dormant Account Fee$6

$1 above the national median

Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=dormant_account; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Dormant Account Fee .......................................................................................................... $6.00" · Source

Overdraft & NSFVerified

An overdraft fee will be charged per item whether the item is paid or$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=overdraft; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="An overdraft fee will be charged per item whether the item is paid or .................................. $30.00" · Source

Wire TransfersVerified

Wire Transfer Domestic Incoming$15Within the typical range ($5–$15 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=wire_domestic_incoming; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Wire Transfer Domestic Incoming ....................................................................................... $15.00" · Source
Wire Transfer Domestic Outgoing$22Within the typical range ($20–$25 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=wire_domestic_outgoing; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Wire Transfer Domestic Outgoing ....................................................................................... $22.00" · Source

Check ServicesVerified

Cashiers Checks$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=cashiers_check; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Cashiers Checks .................................................................................................................. $5.00" · Source
Money Orders$2Within the typical range ($1.75–$3 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=money_order; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Money Orders ...................................................................................................................... $2.00" · Source
Stop Payment Fee$25Within the typical range ($20–$30 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=stop_payment; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Stop Payment Fee ............................................................................................................. $25.00" · Source

Cash & DepositVerified

Chargeback Fee$5Below the typical range ($10–$25 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=deposited_item_return; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Chargeback Fee................................................................................................................... $5.00" · Source

Account ServicesVerified

(Attachments, Garnishments, Judgements, Levies, etc): International Outgoing/Incoming$38Within the typical range ($30–$75 nationally)
$12 below the national median
Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=garnishment_levy; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="International Outgoing/Incoming ........................................................................................ $38.00" · Source

Other FeesVerified

Duplicate Statement Fee$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=document_reproduction; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Duplicate Statement Fee ..................................................................................................... $2.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closed within 90 days Fee	$15Within the typical range ($10–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=early_closure; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Account Closed within 90 days Fee .................................................................................... $15.00"	Source
Account Research Fee (per hour)	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=account_research; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Account Research Fee (per hour) ....................................................................................... $25.00"	Source
Dormant Account Fee	$6Within the typical range ($5–$10 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=dormant_account; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Dormant Account Fee .......................................................................................................... $6.00"	Source
Overdraft & NSFVerified
An overdraft fee will be charged per item whether the item is paid or	$30Within the typical range ($25–$31 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=overdraft; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="An overdraft fee will be charged per item whether the item is paid or .................................. $30.00"	Source
Wire TransfersVerified
Wire Transfer Domestic Incoming	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=wire_domestic_incoming; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Wire Transfer Domestic Incoming ....................................................................................... $15.00"	Source
Check ServicesVerified
Cashiers Checks	$5Within the typical range ($3–$6 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=cashiers_check; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Cashiers Checks .................................................................................................................. $5.00"	Source

Cash & DepositVerified
Chargeback Fee	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=deposited_item_return; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Chargeback Fee................................................................................................................... $5.00"	Source
Account ServicesVerified
(Attachments, Garnishments, Judgements, Levies, etc): International Outgoing/Incoming	$38Within the typical range ($30–$75 nationally)	$12 below the national median	—	Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=garnishment_levy; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="International Outgoing/Incoming ........................................................................................ $38.00"	Source
Other FeesVerified
Duplicate Statement Fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #6919. canonical_hint=document_reproduction; text_hash=7f87ceb840f38ab2583f0fb0184c42183dccd4346e197f40ff0d4f4789db2ee0; excerpt="Duplicate Statement Fee ..................................................................................................... $2.00"	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: 12 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$180.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$180.6M

Total deposits

$138.3M

Service charge income

$21K

Fee income ratio

1.1%

Return on assets

-0.19%

Branches

Service charge income by quarter

Q2 2026$21K

Q1 2026$22K

Q4 2025$24K

Q3 2025$25K

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 28,880 verified fees from 2,290 institutions

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