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

North Central Bank

Hennepin, IllinoisBankChicago Fed districtFees collected Mar 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$50Above the typical range ($10–$25 nationally)

ATM & CardVerified

ATM CASH WITHDRAWAL AT NCB ATM$4Above the typical range ($1–$2.25 nationally)
$2.50 above the national median$2.75 above the Illinois median
Source
ATM CASH WITHDRAWAL AT NON-NCB ATM$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$0.25 below the Illinois median
Source
ATM/DEBIT CARD (REPLACEMENT)$20Above the typical range ($5–$10 nationally)
$10 above the national median$10 above the Illinois median
per item · Source

Check ServicesVerified

Actual Cost CASHIER'S CHECK$5Within the typical range ($3–$6 nationally)
At the national medianAt the Illinois median
Source
PERSONAL MONEY ORDER$3Within the typical range ($1.50–$3 nationally)
$1 above the national median$0.75 above the Illinois median
Source
STOP PAYMENT (ALL ITEMS)$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$4.50 below the Illinois median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
ACCOUNT CLOSED WITHIN 90 DAYS	$50Above the typical range ($10–$25 nationally)	$32.50 above the national median$30 above the Illinois median	—	—	Source
DORMANT ACCOUNT FEE	$10Within the typical range ($5–$10 nationally)	$5 above the national median$5 above the Illinois median	per year	—	Source
ACCOUNT BALANCING AND/OR RESEARCH	$30Above the typical range ($12–$25 nationally)	$12.50 above the national median$10 above the Illinois median	—	—	Source
UNDELIVERABLE/RETURNED MAIL	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$15 below the Illinois median	per item	—	Source
PAPER STATEMENT	$3Within the typical range ($2–$4.68 nationally)	At the national medianAt the Illinois median	—	—	Source
Overdraft & NSFVerified
OVERDRAFT PAID, PER ITEM	$30Within the typical range ($25–$33 nationally)	At the national medianAt the Illinois median	per month	—	Source
ATM & CardVerified
ATM CASH WITHDRAWAL AT NCB ATM	$4Above the typical range ($1–$2.25 nationally)	$2.50 above the national median$2.75 above the Illinois median	—	—	Source
ATM CASH WITHDRAWAL AT NON-NCB ATM	$1
Wire TransfersVerified
WIRE TRANSFER INCOMING DOMESTIC NOTARY SERVICE	$1Below the typical range ($5–$15 nationally)	$9 below the national median$9 below the Illinois median	—	—	Source
Check ServicesVerified
Actual Cost CASHIER'S CHECK	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Illinois median	—	—	Source
PERSONAL MONEY ORDER	$3
Account ServicesVerified
PROCESSING OF GARNISHMENTS	$75Within the typical range ($30–$90 nationally)	$25 above the national medianAt 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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

14 verified fees collected

Headline fees published

7 of 15

Published fees

Under review

Assets

$165.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$165.9M

Total deposits

$144.7M

Service charge income

$64K

Fee income ratio

3.9%

Return on assets

1.64%

Branches

Service charge income by quarter

Q2 2026$64K

Q1 2026$54K

Q4 2025$59K

Q3 2025$65K

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 66,090 published fee entries from 3,612 institutions

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