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, $300M to $1B

Phelps County Bank

Rolla, MissouriBankSt. Louis Fed districtFees collected Oct 9, 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 Balancing Fees$75Above the typical range ($11–$25 nationally)

Account Research & Copies$75

$57.50 above the national median$57.50 above the Missouri median

per item · Source

Overdraft & NSFVerified

Non-sufficient Fund Item (Overdraft Charge)$30Within the typical range ($25–$33 nationally)
At the national median$0.75 above the Missouri median
per item · Source

Wire TransfersVerified

Outgoing Wire Transfer$25Within the typical range ($20–$25 nationally)
At the national medianAt the Missouri median
per item · Source
Incoming Wire Transfer$15Within the typical range ($5–$15 nationally)
$5 above the national median$5 above the Missouri median
per item · Source
Outgoing International Destination Wire Transfer$65Above the typical range ($40–$50 nationally)
$15 above the national median$15 above the Missouri median
per item · Source

Check ServicesVerified

Cashiers Checks$5Within the typical range ($3–$6 nationally)
At the national medianAt the Missouri median
per item · Source
Check Cashing Fee$5Within the typical range ($5–$10 nationally)
At the national medianAt the Missouri median
per item · Source
Tax Refund Check Cashing (Fed or MO State)$5Within the typical range ($5–$10 nationally)
At the national medianAt the Missouri median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Balancing Fees	$75Above the typical range ($11–$25 nationally)	$57.50 above the national median$57.50 above the Missouri median	—	—	Source
Account Research & Copies	$75Above the typical range ($11–$25 nationally)	$57.50 above the national median$57.50 above the Missouri median	per item	—	Source
Overdraft & NSFVerified
Non-sufficient Fund Item (Overdraft Charge)	$30Within the typical range ($25–$33 nationally)	At the national median$0.75 above the Missouri median	per item	—	Source
Wire TransfersVerified
Outgoing Wire Transfer	$25Within the typical range ($20–$25 nationally)	At the national medianAt the Missouri median	per item	—	Source
Incoming Wire Transfer	$15
Check ServicesVerified
Cashiers Checks	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Missouri median	per item	—	Source
Check Cashing Fee	$5
Cash & DepositVerified
Loose Coin Handling Fee	10%	—	—	—	Source

Fee change alerts

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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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

9 verified fees collected

Headline fees published

5 of 15

Published fees

Under review

Assets

$621.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$621.7M

Total deposits

$565.5M

Service charge income

$193K

Fee income ratio

2.5%

Return on assets

1.34%

Branches

Service charge income by quarter

Q2 2026$193K

Q1 2026$188K

Q4 2025$196K

Q3 2025$206K

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 66,435 published fee entries from 3,614 institutions

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