Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $300M to $1B

First Southern State Bank

Stevenson, AlabamaBankAtlanta Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account research per hour$20Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=account_research; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="Account research per hour $20.00" · Source

Dormant Account Fees$1

$4 below the national median

Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=dormant_account; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="Dormant Account Fees $1.00" · Source

monthly fee is$7.50

$1.37 above the national median

per month · Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=monthly_maintenance; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="$7.50 monthly fee is" · Source

Overdraft & NSFVerified

NSF FEES and OVERDRAFT FEES$32Above the typical range ($20–$30 nationally)
$4 above the national median
Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=overdraft; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="NSF FEES and OVERDRAFT FEES $32.00" · Source

ATM & CardVerified

ATM Cash Withdrawal$1Within the typical range ($1–$3 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=atm_non_network; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="ATM Cash Withdrawal $1.00" · Source
Replacement or Lost Debit Card$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=card_replacement; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="Replacement or Lost Debit Card $10.00" · Source

Check ServicesVerified

Cashier's Check (customer)$3Within the typical range ($3–$6 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=cashiers_check; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="Cashier's Check (customer) $3.00" · Source
Check Cashing (non customer)$5Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=check_cashing; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="Check Cashing (non customer) $5.00" · Source
Stop Payment Fees all items$32Above the typical range ($20–$30 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=stop_payment; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="Stop Payment Fees all items $32.00" · Source

Account ServicesVerified

Garnishment or Levy$50Within the typical range ($25–$75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=garnishment_levy; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="Garnishment or Levy $50.00" · Source
Lost Key fee$25Within the typical range ($25–$80 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=safe_deposit_box; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="Lost Key fee $25.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account research per hour	$20Within the typical range ($15–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=account_research; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="Account research per hour $20.00"	Source
Dormant Account Fees	$1Below the typical range ($5–$10 nationally)	$4 below the national median	—	Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=dormant_account; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="Dormant Account Fees $1.00"	Source
monthly fee is	$7.50Within the typical range ($4–$12.63 nationally)	$1.37 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=monthly_maintenance; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="$7.50 monthly fee is"	Source
Overdraft & NSFVerified
NSF FEES and OVERDRAFT FEES	$32Above the typical range ($20–$30 nationally)	$4 above the national median	—	Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=overdraft; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="NSF FEES and OVERDRAFT FEES $32.00"	Source
ATM & CardVerified
ATM Cash Withdrawal	$1Within the typical range ($1–$3 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=atm_non_network; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="ATM Cash Withdrawal $1.00"	Source
Replacement or Lost Debit Card
Check ServicesVerified
Cashier's Check (customer)	$3Within the typical range ($3–$6 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=cashiers_check; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="Cashier's Check (customer) $3.00"	Source
Check Cashing (non customer)
Account ServicesVerified
Garnishment or Levy	$50Within the typical range ($25–$75 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2739. canonical_hint=garnishment_levy; text_hash=8f0c012464c244eaa9ae82d42851e3d03cf02adf2f33cfb3701ffde3cb776636; excerpt="Garnishment or Levy $50.00"	Source
Lost Key fee

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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

$32

Overdraft fee: $32

14% above the national median overdraft fee

Total fees: 11 — leaner than most institutions

Verified fees

Under review

Assets

$893.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$893.5M

Total deposits

$807.2M

Service charge income

$1.2M

Fee income ratio

12.3%

Return on assets

1.52%

Branches

Service charge income by quarter

Q2 2026$1.2M

Q1 2026$1.1M

Q4 2025$1.1M

Q3 2025$1.1M

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 20,792 verified fees from 2,117 institutions

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