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

Centera Bank

Sublette, KansasBankKansas City Fed districtFees collected Oct 5, 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 Fee (Monthly Fee)$5Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #3583. canonical_hint=dormant_account; text_hash=0dc386c38c8133802e7bc7a34287f9ca5ce5d745f8db01c3fd264c409bc7c325; excerpt="Dormant Account Fee (Monthly Fee) $ 5.00" · Source

Overdraft & NSFVerified

Overdraft Daily Cap$200
per day · Source
Overdraft Fee (per item per presentment)$25Within the typical range ($10–$30 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #3583. canonical_hint=overdraft; text_hash=0dc386c38c8133802e7bc7a34287f9ca5ce5d745f8db01c3fd264c409bc7c325; excerpt="Overdraft Fee (per item per presentment) $ 25.00" · Source

ATM & CardVerified

Lost or Stolen Replacement card fee$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3583. canonical_hint=card_replacement; text_hash=0dc386c38c8133802e7bc7a34287f9ca5ce5d745f8db01c3fd264c409bc7c325; excerpt="Lost or Stolen Replacement card fee $ 10.00" · Source
Per Withdrawal at Non Centera Bank ATM (Foreign ATM)$2Within the typical range ($1–$3.93 nationally)
At the national median
per transaction · Knox deterministic extraction from Rosetta artifact #3583. canonical_hint=atm_non_network; text_hash=0dc386c38c8133802e7bc7a34287f9ca5ce5d745f8db01c3fd264c409bc7c325; excerpt="Per Withdrawal at Non Centera Bank ATM (Foreign ATM) $ 2.00" · Source

Digital & ElectronicVerified

Balance Reporting , Wire Transfers, ACH Origination and Bill Pay (Monthly Fee)$20Within the typical range ($3–$20 nationally)
$11 above the national median
per month · Knox deterministic extraction from Rosetta artifact #3583. canonical_hint=ach_origination; text_hash=0dc386c38c8133802e7bc7a34287f9ca5ce5d745f8db01c3fd264c409bc7c325; excerpt="Balance Reporting , Wire Transfers, ACH Origination and Bill Pay (Monthly Fee) $ 20.00" · Source
Balance Reporting Only & Bill Pay (Monthly Fee)$10Within the typical range ($0–$12.45 nationally)
$5 above the national median
per month · Knox deterministic extraction from Rosetta artifact #3583. canonical_hint=bill_pay; text_hash=0dc386c38c8133802e7bc7a34287f9ca5ce5d745f8db01c3fd264c409bc7c325; excerpt="Balance Reporting Only & Bill Pay (Monthly Fee) $ 10.00" · Source

Cash & DepositVerified

Locked Night Deposit Bags with Key$25Above the typical range ($5–$19.50 nationally)
$10.50 above the national median
Knox deterministic extraction from Rosetta artifact #3583. canonical_hint=night_deposit; text_hash=0dc386c38c8133802e7bc7a34287f9ca5ce5d745f8db01c3fd264c409bc7c325; excerpt="Locked Night Deposit Bags with Key $ 25.00" · Source

Account ServicesVerified

Lost Key Replacement$20Within the typical range ($20–$100 nationally)
$16 below the national median
Knox deterministic extraction from Rosetta artifact #3583. canonical_hint=safe_deposit_box; text_hash=0dc386c38c8133802e7bc7a34287f9ca5ce5d745f8db01c3fd264c409bc7c325; excerpt="Lost Key Replacement $ 20.00" · Source
Notary Fee$5Within the typical range ($0–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3583. canonical_hint=notary_fee; text_hash=0dc386c38c8133802e7bc7a34287f9ca5ce5d745f8db01c3fd264c409bc7c325; excerpt="Notary Fee $ 5.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Fee (Monthly Fee)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #3583. canonical_hint=dormant_account; text_hash=0dc386c38c8133802e7bc7a34287f9ca5ce5d745f8db01c3fd264c409bc7c325; excerpt="Dormant Account Fee (Monthly Fee) $ 5.00"	Source
Overdraft & NSFVerified
Overdraft Daily Cap	$200	—	per day	—	Source
Overdraft Fee (per item per presentment)	$25Within the typical range ($10–$30 nationally)	At the national median
ATM & CardVerified
Lost or Stolen Replacement card fee	$10Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3583. canonical_hint=card_replacement; text_hash=0dc386c38c8133802e7bc7a34287f9ca5ce5d745f8db01c3fd264c409bc7c325; excerpt="Lost or Stolen Replacement card fee $ 10.00"	Source
Per Withdrawal at Non Centera Bank ATM (Foreign ATM)
Digital & ElectronicVerified
Balance Reporting , Wire Transfers, ACH Origination and Bill Pay (Monthly Fee)	$20Within the typical range ($3–$20 nationally)	$11 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3583. canonical_hint=ach_origination; text_hash=0dc386c38c8133802e7bc7a34287f9ca5ce5d745f8db01c3fd264c409bc7c325; excerpt="Balance Reporting , Wire Transfers, ACH Origination and Bill Pay (Monthly Fee) $ 20.00"	Source

Cash & DepositVerified
Locked Night Deposit Bags with Key	$25Above the typical range ($5–$19.50 nationally)	$10.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #3583. canonical_hint=night_deposit; text_hash=0dc386c38c8133802e7bc7a34287f9ca5ce5d745f8db01c3fd264c409bc7c325; excerpt="Locked Night Deposit Bags with Key $ 25.00"	Source
Account ServicesVerified
Lost Key Replacement	$20Within the typical range ($20–$100 nationally)	$16 below the national median	—	Knox deterministic extraction from Rosetta artifact #3583. canonical_hint=safe_deposit_box; text_hash=0dc386c38c8133802e7bc7a34287f9ca5ce5d745f8db01c3fd264c409bc7c325; excerpt="Lost Key Replacement $ 20.00"	Source
Notary Fee

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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

Overdraft fee is aligned with the national median

Total fees: 10 — leaner than most institutions

Verified fees

Under review

Assets

$318.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$318.1M

Total deposits

$290.5M

Service charge income

$190K

Fee income ratio

5.9%

Return on assets

1.72%

Branches

Service charge income by quarter

Q2 2026$190K

Q1 2026$181K

Q4 2025$193K

Q3 2025$210K

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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