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, under $300M

1st National Bank

Lebanon, OhioBankCleveland Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant account charge per month$5Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=dormant_account; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Dormant account charge per month | $5.00" · Source

Monthly Maintenance Fee$6.95

$0.95 above the national median

per month · Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=monthly_maintenance; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Monthly Maintenance Fee | $6.95 | $5.002 | $6.95 | None | $5.002 | $15.00 | $15.00 | $5.00" · Source

Paper Statement Fee | $3.003 | $3.003$0

$3 below the national median

Knox read a free fee from Rosetta artifact #7142. canonical_hint=paper_statement; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Paper Statement Fee | $3.003 | $3.003 | $0.00 | $3.003" · Source

Personal Account closed within six months$50

$35 above the national median

Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=early_closure; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Personal Account closed within six months | $50.00" · Source

Reconciliation and research (per hour)$25

At the national median

Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=account_research; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Reconciliation and research (per hour) | $25.00" · Source

Overdraft & NSFVerified

Continuous daily overdraft$10Within the typical range ($5–$25 nationally)
$4 above the national median
per day · Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=continuous_od; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Continuous daily overdraft | $10.00" · Source
NSF Item/Overdraft fee Paid | Secure Checking$36Above the typical range ($25–$31 nationally)
$6 above the national median
Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=overdraft; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="NSF Item/Overdraft fee Paid* | Secure Checking | $36.00" · Source
NSF Item/Overdraft fee Ret | Secure Checking$40Above the typical range ($25–$31 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=overdraft; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="NSF Item/Overdraft fee Ret* | Secure Checking | $40.00" · Source

ATM & CardVerified

ATM Fees$0Below the typical range ($1–$2.50 nationally)
$1.50 below the national median
Knox read a free fee from Rosetta artifact #7142. canonical_hint=atm_non_network; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="ATM Fees | 1st National Bank | No Charge" · Source
Other ATM$3Above the typical range ($1–$2.50 nationally)
$1.50 above the national median
Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=atm_non_network; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Other ATM | $3.00" · Source
Reissue ATM/Debit Card$7.50Within the typical range ($5–$10 nationally)
$2.50 below the national median
Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=card_replacement; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Reissue ATM/Debit Card | $7.50" · Source

Wire TransfersVerified

Wire transfer - incoming$20Above the typical range ($5–$15 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=wire_domestic_incoming; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Wire transfer - incoming | $20.00" · Source
Wire transfer - outgoing$30Above the typical range ($20–$25 nationally)
$8 above the national median
Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=wire_domestic_outgoing; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Wire transfer - outgoing | $30.00" · Source

Check ServicesVerified

Cashier's Check$7.50Above the typical range ($3–$6 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=cashiers_check; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Cashier's Check | $7.50" · Source
Copy of checks, 1098s, 1099s$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=check_image; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Copy of checks, 1098s, 1099s | $2.00" · Source
Money Orders$2Within the typical range ($1.75–$3 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=money_order; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Money Orders | $2.00" · Source
Stop Payment Paid/Returned | Secure Checking$36Above the typical range ($20–$30 nationally)
$10.50 above the national median
Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=stop_payment; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Stop Payment Paid/Returned | Secure Checking | $36.00" · Source

Digital & ElectronicVerified

Digital Banking | Zelle® transfer limit$1,000Above the typical range ($0–$0.50 nationally)
$1,000 above the national median
per day · Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=zelle_fee; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Digital Banking | Zelle® transfer limit | $1,000.00 | Daily" · Source

Cash & DepositVerified

Deposited items returned$15Within the typical range ($10–$25 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=deposited_item_return; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Deposited items returned | $15.00" · Source

Account ServicesVerified

Garnishment or levy$80Above the typical range ($30–$75 nationally)
$30 above the national median
Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=garnishment_levy; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Garnishment or levy | $80.00" · Source

Other FeesVerified

Copy of interim statement$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=document_reproduction; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Copy of interim statement | $2.00" · Source
Copy of Statement on USB drive$20Above the typical range ($2–$5 nationally)
$17 above the national median
Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=document_reproduction; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Copy of Statement on USB drive | $20.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant account charge per month	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=dormant_account; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Dormant account charge per month \| $5.00"	Source
Monthly Maintenance Fee	$6.95Within the typical range ($3–$10 nationally)	$0.95 above the national median	per month	Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=monthly_maintenance; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Monthly Maintenance Fee \| $6.95 \| $5.002 \| $6.95 \| None \| $5.002 \| $15.00 \| $15.00 \| $5.00"	Source
Paper Statement Fee \| $3.003 \| $3.003	$0Below the typical range ($2–$5 nationally)	$3 below the national median	—	Knox read a free fee from Rosetta artifact #7142. canonical_hint=paper_statement; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Paper Statement Fee \| $3.003 \| $3.003 \| $0.00 \| $3.003"	Source
Personal Account closed within six months	$50Above the typical range ($10–$25 nationally)	$35 above the national median	—	Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=early_closure; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Personal Account closed within six months \| $50.00"	Source
Reconciliation and research (per hour)	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=account_research; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Reconciliation and research (per hour) \| $25.00"	Source
Overdraft & NSFVerified
Continuous daily overdraft	$10Within the typical range ($5–$25 nationally)	$4 above the national median	per day	Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=continuous_od; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Continuous daily overdraft \| $10.00"	Source
NSF Item/Overdraft fee Paid \| Secure Checking
ATM & CardVerified
ATM Fees	$0Below the typical range ($1–$2.50 nationally)	$1.50 below the national median	—	Knox read a free fee from Rosetta artifact #7142. canonical_hint=atm_non_network; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="ATM Fees \| 1st National Bank \| No Charge"	Source
Other ATM	$3
Wire TransfersVerified
Wire transfer - incoming	$20Above the typical range ($5–$15 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=wire_domestic_incoming; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Wire transfer - incoming \| $20.00"	Source
Wire transfer - outgoing
Check ServicesVerified
Cashier's Check	$7.50Above the typical range ($3–$6 nationally)	$2.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=cashiers_check; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Cashier's Check \| $7.50"	Source
Copy of checks, 1098s, 1099s	$2
Digital & ElectronicVerified
Digital Banking \| Zelle® transfer limit	$1,000Above the typical range ($0–$0.50 nationally)	$1,000 above the national median	per day	Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=zelle_fee; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Digital Banking \| Zelle® transfer limit \| $1,000.00 \| Daily"	Source
Cash & DepositVerified
Deposited items returned	$15Within the typical range ($10–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=deposited_item_return; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Deposited items returned \| $15.00"	Source
Account ServicesVerified
Garnishment or levy	$80Above the typical range ($30–$75 nationally)	$30 above the national median	—	Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=garnishment_levy; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Garnishment or levy \| $80.00"	Source
Other FeesVerified
Copy of interim statement	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #7142. canonical_hint=document_reproduction; text_hash=8b3ae0d107b8d8dd2815e37e058ba770ab15a3455c69b6e26e0c007fa83dfa65; excerpt="Copy of interim statement \| $2.00"	Source
Copy of Statement on USB drive

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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

$36

Overdraft fee: $36

20% above the national median overdraft fee

Total fees: 22 — leaner than most institutions

Headline fees published

10 of 15

Published fees

Under review

Assets

$247.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$247.2M

Total deposits

$214.3M

Service charge income

$178K

Fee income ratio

5.2%

Return on assets

1.05%

Branches

Service charge income by quarter

Q2 2026$178K

Q1 2026$174K

Q4 2025$170K

Q3 2025$148K

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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