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

The Shelby State Bank

Shelby, MichiganBankChicago 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

Account Balancing$25Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Non-sufficient Funds Items$35Above the typical range ($25–$31.50 nationally)
$5 above the national median
per item · Source
Overdraft Items$35Above the typical range ($25–$32 nationally)
$5 above the national median
per item · Source
Return Item Charges$15Below the typical range ($25–$31.50 nationally)
$15 below the national median
per item · Source

Wire TransfersVerified

Incoming Wire Fee$15Within the typical range ($5–$15 nationally)
$5 above the national median
Source
Outgoing Wire Fee$30Above the typical range ($20–$25 nationally)
$5 above the national median
Source

Check ServicesVerified

Cashier's Checks$6Above the typical range ($3–$5.50 nationally)
$1 above the national median
Source
Check Image Copies$3Within the typical range ($2–$5 nationally)
At the national median
Source
Non-Customer Check Cashing of SSB checks$5Within the typical range ($5–$10 nationally)
At the national median
Source
Personal Money Orders$5Above the typical range ($1.75–$3 nationally)
$3 above the national median
Source
Stop Payment Order$35Above the typical range ($20–$30 nationally)
$9 above the national median
Source

Account ServicesVerified

10x10$90Above the typical range ($25–$80 nationally)
$45 above the national median
Source
2x5$32Within the typical range ($25–$80 nationally)
$13 below the national median
Source
3x10 long$50Within the typical range ($25–$80 nationally)
$5 above the national median
Source
3x10 short$35Within the typical range ($25–$80 nationally)
$10 below the national median
Source
4x5$36Within the typical range ($25–$80 nationally)
$9 below the national median
Source
5x10$60Within the typical range ($25–$80 nationally)
$15 above the national median
Source
5x5$40Within the typical range ($25–$80 nationally)
$5 below the national median
Source
Deposit Account Verification$10Within the typical range ($8.98–$15 nationally)
At the national median
Source
Executions, Garnishments, Levies$100Above the typical range ($30–$75 nationally)
$50 above the national median
Source
Lost Safe Deposit Box Key$25Within the typical range ($25–$80 nationally)
$20 below the national median
Source
Notary (customer)$0Within the typical range ($0–$5 nationally)
$2.50 below 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 Fee$10Below the typical range ($25–$80 nationally)
$35 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Balancing	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Dormant Account Fee	$3Below the typical range ($5–$10 nationally)	$2 below the national median	per month	—	Source
Paper Statement Charge	$3Within the typical range ($2–$4.50 nationally)	At the national median	—	—	Source
Overdraft & NSFVerified
Non-sufficient Funds Items	$35Above the typical range ($25–$31.50 nationally)	$5 above the national median	per item	—	Source
Overdraft Items	$35
ATM & CardVerified
ATM/Debit Card Replacement	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Wire TransfersVerified
Incoming Wire Fee	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	—	Source
Outgoing Wire Fee	$30
Check ServicesVerified
Cashier's Checks	$6Above the typical range ($3–$5.50 nationally)	$1 above the national median	—	—	Source
Check Image Copies	$3
Account ServicesVerified
10x10	$90Above the typical range ($25–$80 nationally)	$45 above the national median	—	—	Source
2x5	$32
Gift & Prepaid CardsVerified
Gift Cards	$3Within the typical range ($3–$4.50 nationally)	$0.50 below the national median	—	—	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.

Overdraft

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 28

Headline fees published

8 of 15

Published fees

Under review

Assets

$397.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$397.0M

Total deposits

$339.5M

Service charge income

$156K

Fee income ratio

3.5%

Return on assets

0.99%

Branches

Service charge income by quarter

Q2 2026$156K

Q1 2026$173K

Q4 2025$179K

Q3 2025$166K

Financial profile · Pro

Performance from regulator filings

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