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 National Bank of Hereford

Hereford, TexasBankDallas Fed districtFees collected Oct 6, 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

Statement reconciliation - hourly$15Below the typical range ($20–$25 nationally)

Overdraft & NSFVerified

NSF Return check charge (per item)$20Below the typical range ($25–$31.50 nationally)
$10 below the national median
per item · Source

ATM & CardVerified

ATM use at off premise location$1Within the typical range ($1–$2.50 nationally)
$0.75 below the national median
Source

Check ServicesVerified

Bank Cashier Checks, Customer$0Below the typical range ($3–$6 nationally)
$5 below the national median
Source
Stop payment charge$15Below the typical range ($20–$30 nationally)
$11 below the national median
Source

Account ServicesVerified

10 X 10$30Within the typical range ($27.50–$75 nationally)
$15 below the national median
per year · Source
3 X 10$15Below the typical range ($27.50–$75 nationally)
$30 below the national median
per year · Source
3 X 5$10Below the typical range ($27.50–$75 nationally)
$35 below the national median
per year · Source
5 X 10$20Below the typical range ($27.50–$75 nationally)
$25 below the national median
per year · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Statement reconciliation - hourly	$15Below the typical range ($20–$25 nationally)	$10 below the national median	—	—	Source
Overdraft & NSFVerified
NSF Return check charge (per item)	$20Below the typical range ($25–$31.50 nationally)	$10 below the national median	per item	—	Source
ATM & CardVerified
ATM use at off premise location	$1Within the typical range ($1–$2.50 nationally)	$0.75 below the national median	—	—	Source
Check ServicesVerified
Bank Cashier Checks, Customer	$0Below the typical range ($3–$6 nationally)	$5 below the national median	—	—	Source
Stop payment charge	$15
Account ServicesVerified
10 X 10	$30Within the typical range ($27.50–$75 nationally)	$15 below the national median	per year	—	Source
3 X 10	$15

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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: $20

33% below the national median NSF fee

Total fees: 9 — leaner than most institutions

Headline fees published

4 of 15

Published fees

Under review

Assets

$344.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$344.6M

Total deposits

$294.4M

Service charge income

$119K

Fee income ratio

2.7%

Return on assets

2.28%

Branches

Service charge income by quarter

Q2 2026$119K

Q1 2026$76K

Q4 2025$230K

Q3 2025$232K

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 41,281 published fee entries from 2,667 institutions

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