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

Exchange Bank and Trust Company

Perry, OklahomaBankKansas City 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

Dormant Account Monthly Fee$4Below the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #3364. canonical_hint=dormant_account; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="Dormant Account Monthly Fee | $4" · Source

Overdraft & NSFVerified

Insufficient Funds Check Charge$32Within the typical range ($15–$32 nationally)
$4 above the national median
Knox deterministic extraction from Rosetta artifact #3364. canonical_hint=nsf; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="Insufficient Funds Check Charge | $32" · Source

ATM & CardVerified

ATM/Check Card transaction Fee (Our ATMs)$0Below the typical range ($1–$3.93 nationally)
$2 below the national median
Knox read a free fee from Rosetta artifact #3364. canonical_hint=atm_non_network; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="ATM/Check Card transaction Fee (Our ATMs) | N/C" · Source

Check ServicesVerified

Check Cashing (non-customer) ($15Within the typical range ($5–$25 nationally)
$7 above the national median
Knox deterministic extraction from Rosetta artifact #3364. canonical_hint=check_cashing; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="Check Cashing (non-customer) ($15 min fee) | 3%" · Source
Stop Payment/Stop Payment Renewal$25Within the typical range ($20–$30 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3364. canonical_hint=stop_payment; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="Stop Payment/Stop Payment Renewal | $25" · Source

Cash & DepositVerified

Use of Coin Counting Machine (customer)$0Below the typical range ($1.54–$17.50 nationally)
$5 below the national median
Knox read a free fee from Rosetta artifact #3364. canonical_hint=coin_counting; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="Use of Coin Counting Machine (customer) | N/C" · Source

Account ServicesVerified

Notary Fee (customer)$0Within the typical range ($0–$5 nationally)
$5 below the national median
Knox read a free fee from Rosetta artifact #3364. canonical_hint=notary_fee; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="Notary Fee (customer) | N/C" · Source
Safe Deposit Box Drill Charge$175Above the typical range ($20–$100 nationally)
$139 above the national median
Knox deterministic extraction from Rosetta artifact #3364. canonical_hint=safe_deposit_box; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="Safe Deposit Box Drill Charge | $175" · Source
Safe Deposit Box Locker Stillwater Location 44 X 16 (annually)$350Above the typical range ($20–$100 nationally)
$314 above the national median
per year · Knox deterministic extraction from Rosetta artifact #3364. canonical_hint=safe_deposit_box; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="Safe Deposit Box Locker Stillwater Location 44 X 16 (annually) | $350" · Source

Gift & Prepaid CardsVerified

Gift Card Fee$5Within the typical range ($3–$5.24 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #3364. canonical_hint=gift_card_purchase; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="Gift Card Fee | $5" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Monthly Fee	$4Below the typical range ($5–$10 nationally)	$1 below the national median	per month	Knox deterministic extraction from Rosetta artifact #3364. canonical_hint=dormant_account; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="Dormant Account Monthly Fee \| $4"	Source
Overdraft & NSFVerified
Insufficient Funds Check Charge	$32Within the typical range ($15–$32 nationally)	$4 above the national median	—	Knox deterministic extraction from Rosetta artifact #3364. canonical_hint=nsf; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="Insufficient Funds Check Charge \| $32"	Source
ATM & CardVerified
ATM/Check Card transaction Fee (Our ATMs)	$0Below the typical range ($1–$3.93 nationally)	$2 below the national median	—	Knox read a free fee from Rosetta artifact #3364. canonical_hint=atm_non_network; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="ATM/Check Card transaction Fee (Our ATMs) \| N/C"	Source
Check ServicesVerified
Check Cashing (non-customer) (	$15Within the typical range ($5–$25 nationally)	$7 above the national median	—	Knox deterministic extraction from Rosetta artifact #3364. canonical_hint=check_cashing; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="Check Cashing (non-customer) ($15 min fee) \| 3%"	Source
Stop Payment/Stop Payment Renewal
Cash & DepositVerified
Use of Coin Counting Machine (customer)	$0Below the typical range ($1.54–$17.50 nationally)	$5 below the national median	—	Knox read a free fee from Rosetta artifact #3364. canonical_hint=coin_counting; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="Use of Coin Counting Machine (customer) \| N/C"	Source
Account ServicesVerified
Notary Fee (customer)	$0Within the typical range ($0–$5 nationally)	$5 below the national median	—	Knox read a free fee from Rosetta artifact #3364. canonical_hint=notary_fee; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="Notary Fee (customer) \| N/C"	Source
Safe Deposit Box Drill Charge	$175
Gift & Prepaid CardsVerified
Gift Card Fee	$5Within the typical range ($3–$5.24 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #3364. canonical_hint=gift_card_purchase; text_hash=22dc2c685c1bb19b1b3989ae88a7cf692abd9901199733cf56d7074b8aba38b6; excerpt="Gift Card Fee \| $5"	Source

Fee change alerts

Get an email when Exchange Bank and Trust Company changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Exchange Bank and Trust Company? Benchmark it against peers, free

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: $32

14% above the national median NSF fee

Total fees: 10 — leaner than most institutions

Verified fees

Under review

Assets

$428.7M

Work at Exchange Bank and Trust Company? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. free, delivered in 48 hours.

Get your free report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$428.7M

Total deposits

$385.9M

Service charge income

$189K

Fee income ratio

3.6%

Return on assets

1.96%

Branches

Service charge income by quarter

Q2 2026$189K

Q1 2026$187K

Q4 2025$192K

Q3 2025$196K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 57 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 6,925 verified fees from 1,557 institutions

See pricing