Bank of Yates City

Headquarters: Yates City, Illinois
Charter: Bank
Assets: $89.1M
Fed district: Chicago
Regulator: FDIC
Holding company: First Bancorp Inc.

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 13, 2026.

Overview

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

How these figures are measured

Call-report figures are for Bank of Yates City 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.	Bank of Yates City'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

Details

Source: FFIEC call report (bulk data)
Entity: Bank of Yates City (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $16K in Q2 2026, 11% below the same quarter a year earlier ($18K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $3.50, the middle of its prices
Bank of Yates City: $2 to $5
Bank of Yates City: $2 to $5
U.S. median: no median
Overdraft (OD)
Bank of Yates City: $25
Bank of Yates City: $25
U.S. median: no median
NSF / Returned Item
Bank of Yates City: $25
Bank of Yates City: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Illinois: Banks and credit unions headquartered in Illinois that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 24% from Q3 2025 to Q2 2026, to $16K.

Service-charge income, Q2 2026

$16K

$21KQ3 2025

$17KQ4 2025

$16KQ1 2026

$16KQ2 2026

Against the median

Bank of Yates CityMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Bank of Yates City · $89M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$83M to $95M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Bank of Yates City(this institution)	Yates City, IL	$89M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bandera Bank	Bandera, TX	$89M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Lake Village	Lake Village, AR	$91M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community Bank of Missouri	Richmond, MO	$94M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank of Oelwein	Oelwein, IA	$95M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Concorde Bank	Blomkest, MN	$88M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Eureka Homestead	Metairie, LA	$89M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
First Bank and Trust Company	Minden, NE	$91M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank of Pike	Molena, GA	$87M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Federal Savings Bank of Washington	Washington, IN	$94M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank	Watonga, OK	$90M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Home National Bank	Racine, OH	$95M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Independence State Bank	Independence, WI	$84M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Integrity Bank Plus	Wabasso, MN	$93M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Junction National Bank	Junction, TX	$93M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mayville State Bank	Mayville, MI	$95M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Miners Exchange Bank	Coeburn, VA	$93M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
New Century Bank	Belleville, KS	$89M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
North Cambridge Co-operative Bank	Cambridge, MA	$87M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Rockland Savings Bank, FSB	Rockland, ME	$91M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
The First National Bank of Manning	Manning, IA	$88M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First State Bank of Red Wing	Red Wing, MN	$86M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Ottoville Bank Company	Ottoville, OH	$94M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The State Exchange Bank	Lamont, OK	$90M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Stock Exchange Bank, Caldwell, Kansas	Caldwell, KS	$90M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Tri-Valley Bank	Randolph, IA	$83M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

14 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.50 (56%) below the median of similar-sized banks.

Compared at $3.50, the middle of its two prices, against a peer median of $8 among 11 publishing peers.

Its two checking prices are $2 and $5.

$3.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026.

Monthly maintenance fee in dollars, one mark per institution

Bank of Yates City: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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 Oct 22, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Bank of Yates City (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $16K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: −$2K−11.1%; from Q2 2025
vs start of range: −$3K−15.8%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Bank of Yates City (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$16K	$0	0.0%
Q1 2026	$16K	−$1K	−5.9%
Q4 2025	$17K	−$4K	−19.0%
Q3 2025	$21K	+$3K	+16.7%
Q2 2025	$18K	+$1K	+5.9%
Q1 2025	$17K	−$3K	−15.0%
Q4 2024	$20K	+$1K	+5.3%
Q3 2024	$19K	−$2K	−9.5%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Bank of Yates City’s own schedules, with a source for each figure.

Account Maintenance

Monthly Account maintenance (audience not stated, treated as personal)$2
per month
Monthly Maintenance$5
per month
Dormant Account Fee (for Balances Below $200.00)$2
per month
Research of Account$25

Overdraft & NSF

NSF Paid Item(s) Charge$25
per item
NSF Returned Item(s) Charge$25
per item
Overdraft Accrual Charge (after 5 continuous business days of overdrawn balance)$3
per day
Sweep Transaction Charge$3
per transaction

Wire Transfers

Outgoing Wire Transfers$25
per transaction
Incoming Wire Transfers$10
per transaction

Check Services

Cashier’s Checks$3
per item
Money Orders$2
per item
Stop-Payment(s) for checks only$25
per item

Other Fees

Statement reprint(s)$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Account maintenance (audience not stated, treated as personal)	$2	per month	None
Monthly Maintenance	$5	per month	None
Dormant Account Fee (for Balances Below $200.00)	$2	per month	None
Research of Account	$25	Not stated	None
Overdraft & NSF
NSF Paid Item(s) Charge	$25	per item	None
NSF Returned Item(s) Charge	$25	per item	None
Overdraft Accrual Charge (after 5 continuous business days of overdrawn balance)	$3	per day	None
Sweep Transaction Charge	$3	per transaction	None
Wire Transfers
Outgoing Wire Transfers	$25	per transaction	None
Incoming Wire Transfers	$10	per transaction	None
Check Services
Cashier’s Checks	$3	per item	None
Money Orders	$2	per item	None
Stop-Payment(s) for checks only	$25	per item	None
Other Fees
Statement reprint(s)	$2	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Monthly Maintenance$5
per month
Dormant Account Fee (for Balances Below $200.00)$2
per month
Research of Account$25

Overdraft & NSF

NSF Paid Item(s) Charge$25
per item
NSF Returned Item(s) Charge$25
per item
Overdraft Accrual Charge (after 5 continuous business days of overdrawn balance)$3
per day
Sweep Transaction Charge$3
per transaction

Wire Transfers

Outgoing Wire Transfers$25
per transaction
Incoming Wire Transfers$10
per transaction

Check Services

Cashier’s Checks$3
per item
Money Orders$2
per item
Stop-Payment(s) for checks only$25
per item

Cash & Deposit

Return Item Fee Debit (Chargeback for commercial accounts only)$4
per item

Other Fees

Statement reprint(s)$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$5	per month	None
Dormant Account Fee (for Balances Below $200.00)	$2	per month	None
Research of Account	$25	Not stated	None
Overdraft & NSF
NSF Paid Item(s) Charge	$25	per item	None
NSF Returned Item(s) Charge	$25	per item	None
Overdraft Accrual Charge (after 5 continuous business days of overdrawn balance)	$3	per day	None
Sweep Transaction Charge	$3	per transaction	None
Wire Transfers
Outgoing Wire Transfers	$25	per transaction	None
Incoming Wire Transfers	$10	per transaction	None
Check Services
Cashier’s Checks	$3	per item	None
Money Orders	$2	per item	None
Stop-Payment(s) for checks only	$25	per item	None
Cash & Deposit
Return Item Fee Debit (Chargeback for commercial accounts only)	$4	per item	None
Other Fees
Statement reprint(s)	$2	per item	None

Correct a fee source

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.

Fee change alerts

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