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

River Bank

Stoddard, WisconsinBankChicago 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

(Closed Within 90 Days of Opening)$10Within the typical range ($10–$25 nationally)

per item · Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=early_closure; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="(Closed Within 90 Days of Opening) ....................$ 10.00 | Insufficient Funds Charge (Check Paid, Per Item) .$ 32.00" · Source

ATM & CardVerified

International ATM Fee$5Within the typical range ($2–$5 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=atm_international; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="International ATM Fee ........................................$ 5.00 | 5 x 10 ................................................................$100.00" · Source
Replacement ATM Card/Debit Mastercard$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=card_replacement; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Replacement ATM Card/Debit Mastercard .........$ 10.00 | 6 x 10 ................................................................$120.00" · Source
Withdrawal (at non-CRB ATM)$2Within the typical range ($1–$2.50 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=atm_non_network; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Withdrawal (at non-CRB ATM)...........................$ 2.00 | 10 x 10 ..............................................................$150.00" · Source

Check ServicesVerified

Check Printing Fees ........................ Varies by selection | Foreign Incoming$10Within the typical range ($1–$15.50 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=check_printing; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Check Printing Fees*........................ Varies by selection | Foreign Incoming ...............................................$ 10.00" · Source
Copy of Item$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=check_image; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Copy of Item ......................................................$ 5.00" · Source
Money Order$4Above the typical range ($2–$3 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=money_order; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Money Order ..................................................$ 4.00 | Box Drilling ..........................................Actual + $ 50.00" · Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=stop_payment; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Stop Payment..................................................$ 30.00" · Source
Treasurers Check$7Above the typical range ($3–$6 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=cashiers_check; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Treasurers Check .............................................$ 7.00 | Wire Transfer" · Source

Cash & DepositVerified

Night Deposit Bag$20Within the typical range ($5–$20 nationally)
$6.50 above the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=night_deposit; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Night Deposit Bag ..............................................$ 20.00" · Source
Night Deposit Key Replacement$10Within the typical range ($5–$20 nationally)
$3.50 below the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=night_deposit; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Night Deposit Key Replacement .........................$ 10.00" · Source
Returned Deposit Item: Business Account$10Within the typical range ($10–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=deposited_item_return; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Returned Deposit Item: Business Account.........$ 10.00 | * Some charges may be reduced or eliminated with certain" · Source
Returned Deposit Item: Personal Account$7.50Below the typical range ($10–$25 nationally)
$7.50 below the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=deposited_item_return; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Returned Deposit Item: Personal Account .......$ 7.50" · Source

Account ServicesVerified

3 x 10$75Within the typical range ($25–$75 nationally)
$32.50 above the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=safe_deposit_box; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Inquiry (at non-CRB ATM) ..................................$ 2.00 | 3 x 10 ................................................................$ 75.00" · Source
5 x 10$100Above the typical range ($25–$75 nationally)
$57.50 above the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=safe_deposit_box; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="International ATM Fee ........................................$ 5.00 | 5 x 10 ................................................................$100.00" · Source
6 x 10$120Above the typical range ($25–$75 nationally)
$77.50 above the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=safe_deposit_box; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Replacement ATM Card/Debit Mastercard .........$ 10.00 | 6 x 10 ................................................................$120.00" · Source
Box Drilling ..........................................Actual +$50Within the typical range ($25–$75 nationally)
$7.50 above the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=safe_deposit_box; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Money Order ..................................................$ 4.00 | Box Drilling ..........................................Actual + $ 50.00" · Source
Levies or Attachments$75Within the typical range ($30–$75 nationally)
$25 above the national median
per year · Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=garnishment_levy; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Levies or Attachments ........................................$ 75.00 | Annual Fee.........................................................$ 10.00" · Source
Official Bank Checks | Lost Key Replacement ..........................Actual +$20Below the typical range ($25–$75 nationally)
$22.50 below the national median
Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=safe_deposit_box; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Official Bank Checks* | Lost Key Replacement ..........................Actual + $ 20.00" · Source

Lending FeesVerified

Late Fee (Monthly)$6Below the typical range ($15–$25 nationally)
$16.50 below the national median
per month · Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=late_payment; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Replace Lost Treasurers Check .........................$ 15.00 | Late Fee (Monthly) .............................................$ 6.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
(Closed Within 90 Days of Opening)	$10Within the typical range ($10–$25 nationally)	$5 below the national median	per item	Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=early_closure; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="(Closed Within 90 Days of Opening) ....................$ 10.00 \| Insufficient Funds Charge (Check Paid, Per Item) .$ 32.00"	Source
ATM & CardVerified
International ATM Fee	$5Within the typical range ($2–$5 nationally)	$2.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=atm_international; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="International ATM Fee ........................................$ 5.00 \| 5 x 10 ................................................................$100.00"	Source
Check ServicesVerified
Check Printing Fees ........................ Varies by selection \| Foreign Incoming	$10Within the typical range ($1–$15.50 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=check_printing; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Check Printing Fees*........................ Varies by selection \| Foreign Incoming ...............................................$ 10.00"	Source
Cash & DepositVerified
Night Deposit Bag	$20Within the typical range ($5–$20 nationally)	$6.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=night_deposit; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Night Deposit Bag ..............................................$ 20.00"	Source
Night Deposit Key Replacement
Account ServicesVerified
3 x 10	$75Within the typical range ($25–$75 nationally)	$32.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=safe_deposit_box; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Inquiry (at non-CRB ATM) ..................................$ 2.00 \| 3 x 10 ................................................................$ 75.00"	Source

Lending FeesVerified
Late Fee (Monthly)	$6Below the typical range ($15–$25 nationally)	$16.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #9850. canonical_hint=late_payment; text_hash=d52cfeaddd94b23c937e7e0bb05eab52034383365a1a5fc97ea08338fe386769; excerpt="Replace Lost Treasurers Check .........................$ 15.00 \| Late Fee (Monthly) .............................................$ 6.00"	Source

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Headline fees published

5 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

$755.7M

Service charge income

$80K

Fee income ratio

1.0%

Return on assets

1.43%

Branches

Service charge income by quarter

Q2 2026$80K

Q1 2026$77K

Q4 2025$75K

Q3 2025$77K

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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