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

Lake Elmo Bank

Lake Elmo, MinnesotaBankMinneapolis 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

Dormant Accounts$10Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Non-Sufficient Funds Item$35Above the typical range ($25–$31.50 nationally)
$5 above the national median
per item · Source
Overdraft Fee$35Above the typical range ($25–$32 nationally)
$5 above the national median
per item · Source
Overdraft sweep/transfer$5Within the typical range ($3–$5 nationally)
At the national median
Source

Check ServicesVerified

Cashiers Checks (Customers Only)$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
Copy of Check$3Within the typical range ($2–$5 nationally)
At the national median
Source
Counter Check Fee$2Within the typical range ($1–$4 nationally)
At the national median
Source
Recurring Electronic Stop Payment$10Below the typical range ($20–$30 nationally)
$16 below the national median
per item · Source
Stop Payment$35Above the typical range ($20–$30 nationally)
$9 above the national median
Source

Cash & DepositVerified

Deposit Bags - Locked$20Within the typical range ($5–$20 nationally)
$7.50 above the national median
Source
Deposit Bags - Unlocked$5Within the typical range ($5–$20 nationally)
$7.50 below the national median
Source
Return Deposit Item$5Below the typical range ($10–$25 nationally)
$10 below the national median
per item · Source

Account ServicesVerified

10 x10“$125Above the typical range ($25–$77.50 nationally)
$80 above the national median
per year · Source
3 x10“$55Within the typical range ($25–$77.50 nationally)
$10 above the national median
per year · Source
5 x10“$75Within the typical range ($25–$77.50 nationally)
$30 above the national median
per year · Source
Garnishment/Levy Fee$100Above the typical range ($30–$75 nationally)
$50 above the national median
Source
Notary (Non-Customer)$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Source
Safe Deposit Box Late Payment Fee$15Below the typical range ($25–$77.50 nationally)
$30 below the national median
Source
Safe Deposit Box Lost Key$25Within the typical range ($25–$77.50 nationally)
$20 below the national median
Source

Other FeesVerified

Photocopies$1Below the typical range ($2–$5 nationally)
$2 below the national median
Source
Statement Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Accounts	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	—	Source
Research and Account Reconciliation	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
Overdraft & NSFVerified
Non-Sufficient Funds Item	$35Above the typical range ($25–$31.50 nationally)	$5 above the national median	per item	—	Source
Overdraft Fee	$35
ATM & CardVerified
Debit Card Replacement Fee	$8Within the typical range ($5–$10 nationally)	$2 below the national median	—	—	Source
Check ServicesVerified
Cashiers Checks (Customers Only)	$5Within the typical range ($3–$5.50 nationally)	At the national median	—	—	Source
Copy of Check	$3
Cash & DepositVerified
Deposit Bags - Locked	$20Within the typical range ($5–$20 nationally)	$7.50 above the national median	—	—	Source
Deposit Bags - Unlocked	$5
Account ServicesVerified
10 x10“	$125Above the typical range ($25–$77.50 nationally)	$80 above the national median	per year	—	Source
3 x10“	$55
Retirement & IRAVerified
IRA Transfer to another institution	$50Above the typical range ($25–$35 nationally)	$25 above the national median	—	—	Source
Gift & Prepaid CardsVerified
Visa Gift Cards	$3.95Within the typical range ($3–$4.50 nationally)	$0.45 above the national median	—	—	Source
Other FeesVerified
Photocopies	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	—	Source
Statement Copy	$5Within the typical range ($2–$5 nationally)

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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

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 25

Headline fees published

7 of 15

Published fees

Under review

Assets

$529.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$529.7M

Total deposits

$462.6M

Service charge income

$94K

Fee income ratio

1.5%

Return on assets

1.85%

Branches

Service charge income by quarter

Q2 2026$94K

Q1 2026$77K

Q4 2025$97K

Q3 2025$96K

Financial profile · Pro

Performance from regulator filings

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Based on 37,029 published fee entries from 2,596 institutions

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