Compared with Illinois
12 of 20
compared fees are above the median.
4 below, 4 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
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
17th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Illinois median
of 20 compared; 4 below, 4 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for Federated 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) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | 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. | Federated Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.8% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (17th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
12 of 20 compared published fees sit above the Illinois median; 4 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 $5, the middle of its prices
Wire Transfer (Domestic Out)
Wire Transfer (Int'l Out)
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 54% from Q3 2025 to Q2 2026, to $21K. Its share of revenue, 0.8%, is below the 2.1% median for banks with under $300M in assets.
$21K
Federated BankMedian
FFIEC and FDIC call reportss, 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 $0 to $10; we compare the midpoint.
Federated Bank · $140M 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 |
|---|---|---|---|---|---|---|---|
| Federated Bank(this institution) | Onarga, IL | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Halls | Halls, TN | $135M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank Plus | Estherville, IA | $145M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bridge Community Bank | Mount Vernon, IA | $141M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Clay County Bank, Inc. | Clay, WV | $136M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Bank of Pleasant Hill | Pleasant Hill, MO | $133M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Bank | Belmond, IA | $142M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Jonesburg State Bank | Jonesburg, MO | $146M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Marion State Bank | Marion, TX | $142M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Millbury National Bank | Millbury, MA | $147M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| River Falls State Bank | River Falls, WI | $143M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security Bank of Southwest Missouri | Cassville, MO | $147M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Security First National Bank of Hugo | Hugo, OK | $138M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security State Bank | Iron River, WI | $136M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Stoughton Co-operative Bank | Stoughton, MA | $135M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank in Cimarron | Cimarron, KS | $143M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Aspermont | Aspermont, TX | $134M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Moose Lake | Moose Lake, MN | $134M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First State Bank of Rosemount | Rosemount, MN | $146M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Miners State Bank | Iron River, MI | $135M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Peoples Bank | Taylorsville, KY | $145M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Twin Valley Bank | West Alexandria, OH | $138M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Union Federal Savings and Loan Association | Kewanee, IL | $146M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Union State Bank | Winterset, IA | $136M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Vermilion Bank & Trust Company | Kaplan, LA | $145M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| West Plains Bank | Ainsworth, NE | $139M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | 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 $5, the middle of its three prices, against a peer median of $7.50 among 15 publishing peers.
Its three checking prices are $0, $5 and $10.
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 4, 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 4, 2026. Total assets from FDIC and NCUA records.
Call reports for Federated 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 | $21K | +$6K | +40.0% |
| Q1 2026 | $15K | −$28K | −65.1% |
| Q4 2025 | $43K | −$3K | −6.5% |
| Q3 2025 | $46K | +$58K | |
| Q2 2025 | -$12K | −$56K | |
| Q1 2025 | $44K | −$1K | −2.2% |
| Q4 2024 | $45K | +$2K | +4.7% |
| Q3 2024 | $43K | +$2K | +4.9% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Federated Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Federated Bank by share.
Amounts from Federated Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per hour
per hour
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Regular Checking Account Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Savings Monthly Service Charge (if balance falls below $100.00) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Any account closed within 90 days of opening | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Checking Account Inactivity Account Fee (inactive account for more than 90 days) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Savings Account Inactivity Account Fee (inactive account for more than 365 days) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research & Reconciliation | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned/Forwarded Mail with Address Correction | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Savings Account Overdraft Transfer | $15Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Replacement Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fees: Outgoing (Domestic) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fees: Incoming (Domestic) | $12Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Fees: Outgoing (International) | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming (International) | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check Customers | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Temporary Checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection Items (including Foreign Items) | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposit Item Fee | $5Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service (non-customers) | $3Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drilling Fee | $200Not compared: Box drilling or key fee | Not stated | None |
| Lost Key Fee | $40Not compared: Box drilling or key fee | Not stated | None |
| Legal Process which affect your account (i.e., Garnishments, Levy, Citations, or other) | $90Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Account Verification | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA/HSA Transfer and/or Closing Fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Photocopies | $0.35Below 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 10, 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 Federated Bank operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $119.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $91.5M |
| 1 | $23.9M | |
| 1 | $3.8M |
Kankakee, IL
0.8% of bank deposits, #12 of 13, up 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Midland States Bank | 31.7% |
| Peoples Bank of Kankakee County | 11.6% |
| Municipal Trust and Savings Bank | 10.8% |
| PNC Bank, National Association | 10.5% |
| First Trust Bank of Illinois | 10% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Kankakee, IL, Federated Bank holds 0.8% of bank deposits, #12 of 13, with 1 office.
The fee comparison uses its home metro, Chicago-Naperville-Elgin, IL-IN.
42 offices of 20 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 13 institutions shown. $2.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.8% share, 1 office, #12 of 13
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
10 offices of 8 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
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.