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

First State Bank

Wrens, GeorgiaBankAtlanta Fed districtFees collected Aug 23, 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 Account Fee (or maximum allowed by law) per month up to 12 months$5Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #69. canonical_hint=dormant_account; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="Dormant Account Fee (or maximum allowed by law) per month up to 12 months - | $5.00" · Source

Overdraft & NSFVerified

NSF check charge- A charge for either paying or returning an item such as check$33Above the typical range ($25–$31 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #69. canonical_hint=nsf; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="NSF check charge- A charge for either paying or returning an item such as check, | $33.00" · Source

ATM & CardVerified

ATM Service Charge for each withdrawal made from an ATM other than First State$2Within the typical range ($1–$2.50 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #69. canonical_hint=atm_non_network; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="ATM Service Charge for each withdrawal made from an ATM other than First State | $2.00" · Source

Check ServicesVerified

Cashiers Checks each$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #69. canonical_hint=cashiers_check; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="Cashiers Checks each | $5.00" · Source
Encoded Counter Checks per 12 checks$5Above the typical range ($1–$4 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #69. canonical_hint=counter_check; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="Encoded Counter Checks per 12 checks | $5.00" · Source
Stop Payments Fee$33Above the typical range ($20–$30 nationally)
$6 above the national median
Knox deterministic extraction from Rosetta artifact #69. canonical_hint=stop_payment; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="Stop Payments Fee | $33.00" · Source

Digital & ElectronicVerified

Business ACH Origination monthly fee$25Above the typical range ($5–$20 nationally)
$15 above the national median
per month · Knox deterministic extraction from Rosetta artifact #69. canonical_hint=ach_origination; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="Business ACH Origination monthly fee | $25.00" · Source

Cash & DepositVerified

Night Deposit Servce (per bag per month)$3Below the typical range ($5–$20 nationally)
$10.50 below the national median
per month · Knox deterministic extraction from Rosetta artifact #69. canonical_hint=night_deposit; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="Night Deposit Servce (per bag per month) | $3.00" · Source
Returned Deposited Items$6Below the typical range ($10–$25 nationally)
$9 below the national median
Knox deterministic extraction from Rosetta artifact #69. canonical_hint=deposited_item_return; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="Returned Deposited Items | $6.00" · Source

Account ServicesVerified

10X10$65Within the typical range ($25–$75 nationally)
$22.50 above the national median
Knox deterministic extraction from Rosetta artifact #69. canonical_hint=safe_deposit_box; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="10X10 | $65.00" · Source
3X5$20Below the typical range ($25–$75 nationally)
$22.50 below the national median
Knox deterministic extraction from Rosetta artifact #69. canonical_hint=safe_deposit_box; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="3X5 | $20.00" · Source
4X5$25Within the typical range ($25–$75 nationally)
$17.50 below the national median
Knox deterministic extraction from Rosetta artifact #69. canonical_hint=safe_deposit_box; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="4X5 | $25.00" · Source
5X10$45Within the typical range ($25–$75 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #69. canonical_hint=safe_deposit_box; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="5X10 | $45.00" · Source
5X5$30Within the typical range ($25–$75 nationally)
$12.50 below the national median
Knox deterministic extraction from Rosetta artifact #69. canonical_hint=safe_deposit_box; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="5X5 | $30.00" · Source
5X8$35Within the typical range ($25–$75 nationally)
$7.50 below the national median
Knox deterministic extraction from Rosetta artifact #69. canonical_hint=safe_deposit_box; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="5X8 | $35.00" · Source
6X10$50Within the typical range ($25–$75 nationally)
$7.50 above the national median
Knox deterministic extraction from Rosetta artifact #69. canonical_hint=safe_deposit_box; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="6X10 | $50.00" · Source

Other FeesVerified

Photocopies$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #69. canonical_hint=document_reproduction; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="Photocopies | per page $1.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Fee (or maximum allowed by law) per month up to 12 months	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #69. canonical_hint=dormant_account; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="Dormant Account Fee (or maximum allowed by law) per month up to 12 months - \| $5.00"	Source
Overdraft & NSFVerified
NSF check charge- A charge for either paying or returning an item such as check	$33Above the typical range ($25–$31 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #69. canonical_hint=nsf; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="NSF check charge- A charge for either paying or returning an item such as check, \| $33.00"	Source
ATM & CardVerified
ATM Service Charge for each withdrawal made from an ATM other than First State	$2Within the typical range ($1–$2.50 nationally)	$0.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #69. canonical_hint=atm_non_network; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="ATM Service Charge for each withdrawal made from an ATM other than First State \| $2.00"	Source
Check ServicesVerified
Cashiers Checks each	$5Within the typical range ($3–$6 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #69. canonical_hint=cashiers_check; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="Cashiers Checks each \| $5.00"	Source
Encoded Counter Checks per 12 checks
Digital & ElectronicVerified
Business ACH Origination monthly fee	$25Above the typical range ($5–$20 nationally)	$15 above the national median	per month	Knox deterministic extraction from Rosetta artifact #69. canonical_hint=ach_origination; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="Business ACH Origination monthly fee \| $25.00"	Source
Cash & DepositVerified
Night Deposit Servce (per bag per month)	$3Below the typical range ($5–$20 nationally)	$10.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #69. canonical_hint=night_deposit; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="Night Deposit Servce (per bag per month) \| $3.00"	Source
Returned Deposited Items
Account ServicesVerified
10X10	$65Within the typical range ($25–$75 nationally)	$22.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #69. canonical_hint=safe_deposit_box; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="10X10 \| $65.00"	Source
3X5	$20
Other FeesVerified
Photocopies	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #69. canonical_hint=document_reproduction; text_hash=7a2a7352b89794f06d0480081a672649dd14c19989c145fb9406e396fe08406d; excerpt="Photocopies \| per page $1.00"	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.

NSF fee: $33

10% above the national median NSF fee

Total fees: 17 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$512.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$512.7M

Total deposits

$444.8M

Service charge income

$223K

Fee income ratio

3.7%

Return on assets

1.89%

Branches

Service charge income by quarter

Q2 2026$223K

Q1 2026$232K

Q4 2025$246K

Q3 2025$234K

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 27,539 verified fees from 2,277 institutions

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