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, $1B to $10B

Kirkpatrick Bank

Edmond, OklahomaBankKansas City Fed districtFees collected Oct 5, 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 Fees: The monthly maintenance fee for this account is$10Within the typical range ($3–$10 nationally)

Overdraft & NSFVerified

Paid Overdraft Charge$28Within the typical range ($25–$31 nationally)
$2 below the national median
per item · Source
Returned NSF Check Charge$0Below the typical range ($25–$31 nationally)
$30 below the national median
per item · Source

Wire TransfersVerified

Wire Transfer Domestic - Incoming$10Within the typical range ($5–$15 nationally)
At the national median
Source
Wire Transfer Domestic - Outgoing$12Below the typical range ($20–$25 nationally)
$11 below the national median
Source
Wire Transfer International - Incoming$45Above the typical range ($10–$25 nationally)
$30 above the national median
Source
Wire Transfer International - Outgoing$45Within the typical range ($40–$50 nationally)
$5 below the national median
Source

Check ServicesVerified

Account Research Check Copies$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Source
Cashier's Checks$2Below the typical range ($3–$5.50 nationally)
$3 below the national median
Source
Money Orders$2Within the typical range ($1.75–$3 nationally)
At the national median
Source
Stop Payment Fee$25Within the typical range ($20–$30 nationally)
At the national median
per item · Source
Temporary Checks$1Within the typical range ($1–$4 nationally)
$1 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Fees: The monthly maintenance fee for this account is	$10Within the typical range ($3–$10 nationally)	$4.05 above the national median	per month	—	Source
Account Fees: The monthly maintenance fee for this account is	$5Within the typical range ($3–$10 nationally)	$0.95 below the national median	per month	—	Source
Account Research	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Overdraft & NSFVerified
Paid Overdraft Charge	$28Within the typical range ($25–$31 nationally)	$2 below the national median	per item	—	Source
Returned NSF Check Charge	$0
ATM & CardVerified
ATM/Debit Card Replacement Fee	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
Wire TransfersVerified
Wire Transfer Domestic - Incoming	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Wire Transfer Domestic - Outgoing	$12
Check ServicesVerified
Account Research Check Copies	$2Within the typical range ($2–$5 nationally)	$1 below the national median	per item	—	Source
Cashier's Checks	$2
Cash & DepositVerified
Zipper Bags	$5Within the typical range ($5–$20 nationally)	$7.50 below the national median	—	—	Source
Account ServicesVerified
Levy/Garnishment Processing	$30Within the typical range ($30–$75 nationally)	$20 below the national median	—	—	Source
Gift & Prepaid CardsVerified
Visa Gift Cards	$5Above the typical range ($3–$4.50 nationally)	$1.50 above the national median	—	—	Source

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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

$28

Overdraft fee: $28

7% below the national median overdraft fee

Total fees: 18 — leaner than most institutions

Headline fees published

9 of 15

Published fees

Under review

Assets

$1.0B

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$1.0B

Total deposits

$890.2M

Service charge income

$63K

Fee income ratio

0.49%

Return on assets

2.47%

Branches

Service charge income by quarter

Q2 2026$63K

Q1 2026$72K

Q4 2025$77K

Q3 2025$71K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 31,319 verified fees from 2,405 institutions

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