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

Bank of Yates City

Yates City, IllinoisBankChicago Fed districtFees collected Oct 6, 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

impose a maintenance fee$5Within the typical range ($4–$10 nationally)

Overdraft & NSFVerified

NSF Paid Item(s) Charge$25Within the typical range ($25–$33 nationally)
$5 below the national median$5 below the Illinois median
per item · Source
NSF Returned Item(s) Charge$25Within the typical range ($25–$32 nationally)
$5 below the national median$5 below the Illinois median
per item · Source
Overdraft Accrual Charge (after 5 continuous business days of overdrawn balance)$3Below the typical range ($5–$15 nationally)
$2 below the national median$2 below the Illinois median
per day · Source
Sweep Transaction Charge$3Within the typical range ($2.50–$5 nationally)
$2 below the national median$2 below the Illinois median
per transaction · Source

Wire TransfersVerified

Outgoing Wire Transfers$25Within the typical range ($20–$25 nationally)
At the national medianAt the Illinois median
per transaction · Source
Incoming Wire Transfers$10Within the typical range ($5–$15 nationally)
At the national medianAt the Illinois median
per transaction · Source

Check ServicesVerified

Cashier’s Checks$3Within the typical range ($3–$6 nationally)
$2 below the national median$2 below the Illinois median
per item · Source
Money Orders$2Within the typical range ($1.50–$3 nationally)
At the national median$0.25 below the Illinois median
per item · Source
Stop-Payment(s) for checks only$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$4.50 below the Illinois median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
impose a maintenance fee	$5Within the typical range ($4–$10 nationally)	$1 below the national median$2.48 below the Illinois median	per month	—	Source
Monthly Account maintenance	$2Below the typical range ($4–$10 nationally)	$4 below the national median$5.48 below the Illinois median	per month	—	Source
Dormant Account Fee (for Balances Below $200.00)	$2Below the typical range ($5–$10 nationally)	$3 below the national median$3 below the Illinois median	per month	—	Source
Research of Account	$25Within the typical range ($12–$25 nationally)	$7.50 above the national median$5 above the Illinois median	—	—	Source
Overdraft & NSFVerified
NSF Paid Item(s) Charge	$25Within the typical range ($25–$33 nationally)	$5 below the national median$5 below the Illinois median	per item	—	Source
NSF Returned Item(s) Charge	$25
Wire TransfersVerified
Outgoing Wire Transfers	$25Within the typical range ($20–$25 nationally)	At the national medianAt the Illinois median	per transaction	—	Source
Incoming Wire Transfers	$10
Check ServicesVerified
Cashier’s Checks	$3Within the typical range ($3–$6 nationally)	$2 below the national median$2 below the Illinois median	per item	—	Source
Money Orders	$2
Cash & DepositVerified
Return Item Fee Debit (Chargeback for commercial accounts only)	$4Below the typical range ($8–$25 nationally)	$11 below the national median$11 below the Illinois median	per item	—	Source
Other FeesVerified
Statement reprint(s)	$2Within the typical range ($2–$5 nationally)	$1 below the national medianAt the Illinois median	per item	—	Source

Against Illinois banks

Overdraft
$25.00
Of 54 others that publish it, 8 lower, 3 the same and 43 higher.
Monthly maintenance
$3.50
Of 22 others that publish it, 1 lower and 21 higher.

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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

$25

Overdraft fee: $25

17% below the national median overdraft fee

15 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$89.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$89.1M

Total deposits

$80.4M

Service charge income

$16K

Fee income ratio

2.0%

Return on assets

0.55%

Branches

Service charge income by quarter

Q2 2026$16K

Q1 2026$16K

Q4 2025$17K

Q3 2025$21K

Financial profile · Pro

Performance from regulator filings

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