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

First State Bank

Stratford, TexasBankDallas Fed districtFees collected Apr 1, 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 debit card$1Below the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=dormant_account; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Dormant debit card / $1.00 per month after 6 months of nonuse" · Source

Minimum research fee$10

$10 below the national median

Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=account_research; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Minimum research fee / $10.00" · Source

Overdraft & NSFVerified

NSF Returned Check$25Within the typical range ($25–$32 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=nsf; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="NSF Returned Check / $25.00" · Source
Overdraft Fee$25Within the typical range ($20–$30 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=overdraft; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Overdraft Fee / $25.00" · Source

ATM & CardVerified

ATM use charge, non-customer$4Above the typical range ($1–$3 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=atm_non_network; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="ATM use charge, non-customer / $4.00" · Source
ATM withdrawal at a non-First State Bank ATM$2Within the typical range ($1–$3 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=atm_non_network; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="ATM withdrawal at a non-First State Bank ATM / $2.00" · Source
Replacement ATM or debit card$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=card_replacement; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Replacement ATM or debit card / $10.00" · Source
State Bank ATM$1Within the typical range ($1–$3 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=atm_non_network; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="ATM balance inquiry at a non-First State Bank ATM / $1.00" · Source

Wire TransfersVerified

Wire Transfers: Domestic, incoming$0Below the typical range ($7.50–$15 nationally)
$10 below the national median
Knox read a free fee from Rosetta artifact #5221. canonical_hint=wire_domestic_incoming; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Domestic, incoming / No charge" · Source
Wire Transfers: Domestic, outgoing$15Below the typical range ($20–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=wire_domestic_outgoing; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Domestic, outgoing / $15.00" · Source
Wire Transfers: Domestic, outgoing, non-customer$20Within the typical range ($20–$25 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=wire_domestic_outgoing; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Domestic, outgoing, non-customer / $20.00" · Source

Check ServicesVerified

Cashier's check$3.50Within the typical range ($3–$6 nationally)
$1.50 below the national median
Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=cashiers_check; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Cashier's check / $3.50" · Source
Check cashing, non-customer$12Above the typical range ($5–$10 nationally)
$7 above the national median
per item · Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=check_cashing; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Check cashing, non-customer / $12.00 or 1% per check cashed" · Source
Stop payment$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=stop_payment; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Stop payment / $25.00" · Source

Account ServicesVerified

Notary, non-customer$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=notary_fee; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Notary, non-customer / $5.00" · Source

Gift & Prepaid CardsVerified

Gift card$3Within the typical range ($3–$4.95 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=gift_card_purchase; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Gift card / $3.00 per card" · Source

Other FeesVerified

Photocopies, per page$0.25Below the typical range ($2–$5 nationally)
$2.75 below the national median
Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=document_reproduction; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Photocopies, per page / $0.25" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant debit card	$1Below the typical range ($5–$10 nationally)	$4 below the national median	per month	Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=dormant_account; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Dormant debit card / $1.00 per month after 6 months of nonuse"	Source
Minimum research fee	$10Below the typical range ($15–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=account_research; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Minimum research fee / $10.00"	Source
Overdraft & NSFVerified
NSF Returned Check	$25Within the typical range ($25–$32 nationally)	$4 below the national median	—	Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=nsf; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="NSF Returned Check / $25.00"	Source
Overdraft Fee	$25
ATM & CardVerified
ATM use charge, non-customer	$4Above the typical range ($1–$3 nationally)	$2.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=atm_non_network; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="ATM use charge, non-customer / $4.00"	Source
ATM withdrawal at a non-First State Bank ATM
Wire TransfersVerified
Wire Transfers: Domestic, incoming	$0Below the typical range ($7.50–$15 nationally)	$10 below the national median	—	Knox read a free fee from Rosetta artifact #5221. canonical_hint=wire_domestic_incoming; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Domestic, incoming / No charge"	Source
Wire Transfers: Domestic, outgoing
Check ServicesVerified
Cashier's check	$3.50Within the typical range ($3–$6 nationally)	$1.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=cashiers_check; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Cashier's check / $3.50"	Source
Check cashing, non-customer	$12
Account ServicesVerified
Notary, non-customer	$5Within the typical range ($0–$5 nationally)	$2.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=notary_fee; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Notary, non-customer / $5.00"	Source
Gift & Prepaid CardsVerified
Gift card	$3Within the typical range ($3–$4.95 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=gift_card_purchase; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Gift card / $3.00 per card"	Source
Other FeesVerified
Photocopies, per page	$0.25Below the typical range ($2–$5 nationally)	$2.75 below the national median	—	Knox deterministic extraction from Rosetta artifact #5221. canonical_hint=document_reproduction; text_hash=db31cd64b85308f8fc34f40c8a2612fe18d56850c1232cafa91f8c9622481157; excerpt="Photocopies, per page / $0.25"	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

$25

Overdraft fee: $25

14% below the national median overdraft fee

Total fees: 17 — leaner than most institutions

Verified fees

Under review

Assets

$371.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$371.9M

Total deposits

$326.4M

Service charge income

$76K

Fee income ratio

1.9%

Return on assets

2.15%

Branches

Service charge income by quarter

Q2 2026$76K

Q1 2026$79K

Q4 2025$77K

Q3 2025$83K

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

Based on 21,453 verified fees from 2,141 institutions

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