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

Guaranty Bank and Trust Company

New Roads, LouisianaBankAtlanta Fed districtFees collected Oct 2, 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

Consumer debit card Monthly Service Charge plan$1Below the typical range ($5–$200 nationally)

per month · Knox deterministic extraction from Rosetta artifact #252. canonical_hint=monthly_maintenance; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Consumer debit card Monthly Service Charge plan: $1.00" · Source

Dormant Fee (per month if no activity for one year)$3

$7 below the national median

per month · Knox deterministic extraction from Rosetta artifact #252. canonical_hint=dormant_account; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Dormant Fee (per month if no activity for one year): $3.00" · Source

Night Depository (monthly fee) (billed annually)$3

$14.50 below the national median

per month · Knox deterministic extraction from Rosetta artifact #252. canonical_hint=monthly_maintenance; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Night Depository (monthly fee) (billed annually): $3.00" · Source

Paper Statement Fee (per statement)$5

$2 above the national median

Knox deterministic extraction from Rosetta artifact #252. canonical_hint=paper_statement; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Paper Statement Fee (per statement) $5.00" · Source

Overdraft & NSFVerified

Nonsufficient Funds (NSF item)$35Above the typical range ($10–$30 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #252. canonical_hint=nsf; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Nonsufficient Funds (NSF item) $35.00" · Source
Overdraft fee (each debit or check paid)$35Within the typical range ($7.50–$35 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #252. canonical_hint=overdraft; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Overdraft fee (each debit or check paid) $35.00" · Source
Returned Item Charge$6Below the typical range ($10–$30 nationally)
$19 below the national median
Knox deterministic extraction from Rosetta artifact #252. canonical_hint=nsf; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Returned Item Charge: $6.00" · Source

ATM & CardVerified

Foreign ATM terminals$1.50Within the typical range ($1–$11 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #252. canonical_hint=atm_international; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Foreign ATM terminals: $1.50 each" · Source

Wire TransfersVerified

Incoming Domestic Wire Transfers$15Within the typical range ($10–$15.63 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #252. canonical_hint=wire_domestic_incoming; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Incoming Domestic Wire Transfers: $15.00" · Source
Incoming Foreign Wire Transfers$55Above the typical range ($10–$15.63 nationally)
$40 above the national median
Knox deterministic extraction from Rosetta artifact #252. canonical_hint=wire_domestic_incoming; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Incoming Foreign Wire Transfers: $55.00" · Source
Outgoing Domestic Wire Transfers$25Within the typical range ($15–$30 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #252. canonical_hint=wire_domestic_outgoing; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Outgoing Domestic Wire Transfers: $25.00" · Source
Outgoing International Wire Transfers$55Above the typical range ($15–$30 nationally)
$35 above the national median
Knox deterministic extraction from Rosetta artifact #252. canonical_hint=wire_domestic_outgoing; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Outgoing International Wire Transfers: $55.00" · Source

Check ServicesVerified

Stop Payment Charge$35Above the typical range ($17.50–$30 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #252. canonical_hint=stop_payment; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Stop Payment Charge: $35.00" · Source
Stop Payment Charge (via Online Banking)$25Within the typical range ($17.50–$30 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #252. canonical_hint=stop_payment; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Stop Payment Charge (via Online Banking): $25.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Consumer debit card Monthly Service Charge plan	$1Below the typical range ($5–$200 nationally)	$16.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #252. canonical_hint=monthly_maintenance; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Consumer debit card Monthly Service Charge plan: $1.00"	Source
Dormant Fee (per month if no activity for one year)	$3Below the typical range ($5–$52.50 nationally)	$7 below the national median	per month	Knox deterministic extraction from Rosetta artifact #252. canonical_hint=dormant_account; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Dormant Fee (per month if no activity for one year): $3.00"	Source
Night Depository (monthly fee) (billed annually)	$3Below the typical range ($5–$200 nationally)	$14.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #252. canonical_hint=monthly_maintenance; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Night Depository (monthly fee) (billed annually): $3.00"	Source
Paper Statement Fee (per statement)	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #252. canonical_hint=paper_statement; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Paper Statement Fee (per statement) $5.00"	Source
Overdraft & NSFVerified
Nonsufficient Funds (NSF item)	$35Above the typical range ($10–$30 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #252. canonical_hint=nsf; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Nonsufficient Funds (NSF item) $35.00"	Source
Overdraft fee (each debit or check paid)	$35
ATM & CardVerified
Foreign ATM terminals	$1.50Within the typical range ($1–$11 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #252. canonical_hint=atm_international; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Foreign ATM terminals: $1.50 each"	Source
Wire TransfersVerified
Incoming Domestic Wire Transfers	$15Within the typical range ($10–$15.63 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #252. canonical_hint=wire_domestic_incoming; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Incoming Domestic Wire Transfers: $15.00"	Source
Incoming Foreign Wire Transfers
Check ServicesVerified
Stop Payment Charge	$35Above the typical range ($17.50–$30 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #252. canonical_hint=stop_payment; text_hash=3d118358818ab3ac4b27927d439f76116b7f77f2bdcdc4f312c48c15d5f5dfb6; excerpt="Stop Payment Charge: $35.00"	Source
Stop Payment Charge (via Online Banking)

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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

40% above the national median overdraft fee

Total fees: 14 — leaner than most institutions

Verified fees

Under review

Assets

$318.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$318.5M

Total deposits

$274.8M

Service charge income

$118K

Fee income ratio

3.1%

Return on assets

1.24%

Branches

Service charge income by quarter

Q2 2026$118K

Q1 2026$126K

Q4 2025$38K

Q3 2025$136K

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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Based on 5,474 verified fees from 1,488 institutions

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