9 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 13, 2026.
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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 13, 2026
Call-report figures are for North Central Bank 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) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | North Central Bank'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-charge income was $64K in Q2 2026, 1.5% below the same quarter a year earlier ($65K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Illinois, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 1.5% from Q3 2025 to Q2 2026, to $64K.
$64K
North Central BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
North Central Bank · $166M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| North Central Bank(this institution) | Hennepin, IL | $166M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| American Bank of Baxter Springs | Baxter Springs, KS | $170M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Auburn Banking Company | Auburn, KY | $164M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of Belle Glade | Belle Glade, FL | $160M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Brickyard Bank | Lincolnwood, IL | $159M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Carson Community Bank | Stilwell, OK | $167M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Bank and Trust of Lebanon, Inc. | Lebanon, KY | $173M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Citizens' Bank, Inc. | Robertsdale, AL | $159M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Commercial Trust Company of Fayette | Fayette, MO | $164M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers and Merchants Bank | Sylvania, GA | $171M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers National Bank | Phillipsburg, KS | $173M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Bank | Sterling, KS | $162M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings and Loan Association of Greensburg | Greensburg, IN | $159M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First New Mexico Bank, Las Cruces | Las Cruces, NM | $172M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Home Federal Savings and Loan Association of Niles | Niles, OH | $159M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Millville Savings Bank | Millville, NJ | $170M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Normangee State Bank | Normangee, TX | $165M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security Bank and Trust Company | Miami, OK | $167M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security Bank of Pulaski County | Saint Robert, MO | $163M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sharon Bank | Springfield, PA | $173M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| State Bank & Trust Company | Golden Meadow, LA | $165M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of Reeseville | Reeseville, WI | $170M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 |
| Twin River Bank | Lewiston, ID | $173M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Utah Independent Bank | Salina, UT | $171M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Westmoreland Federal Savings and Loan Association | Latrobe, PA | $167M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.75 among 9 publishing peers.
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
North Central Bank does not publish a monthly maintenance fee, so it is not on this chart.
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 North Central Bank (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 | $64K | +$10K | +18.5% |
| Q1 2026 | $54K | −$5K | −8.5% |
| Q4 2025 | $59K | −$6K | −9.2% |
| Q3 2025 | $65K | $0 | 0.0% |
| Q2 2025 | $65K | +$2K | +3.2% |
| Q1 2025 | $63K | +$3K | +5.0% |
| Q4 2024 | $60K | +$4K | +7.1% |
| Q3 2024 | $56K | −$4K | −6.7% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from North Central Bank’s own schedules, with a source for each figure.
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed Within 90 Days | $50 | Not stated | None |
| Dormant Account Fee | $10Not compared: Annual charge, not monthly | per year | None |
| Account Balancing And/Or Research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement | $3 | Not stated | None |
| Undeliverable/Returned Mail | $5Not compared: Per-item charge, not monthly | per item | None |
ATM & Card | |||
| ATM Cash Withdrawal at Non-NCB ATM | $1 | Not stated | None |
| ATM/Debit Card (Replacement) | $20 | per item | None |
Wire Transfers | |||
| Wire Transfer Incoming Domestic Notary Service | $1 | Not stated | None |
Check Services | |||
| Actual Cost CASHIER'S CHECK | $5 | Not stated | None |
| Personal Money Order | $3 | Not stated | None |
| Stop Payment (All Items) | $25 | Not stated | None |
Account Services | |||
| Processing of Garnishments | $75 | Not stated | None |
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 North Central Bank operates, and what regulators and customers have on file.
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.