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

Citizens Bank & Trust Company

Saint Paul, NebraskaBankKansas City Fed districtFees collected Oct 4, 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

Account Reconciliation$15Within the typical range ($12–$25 nationally)

Overdraft & NSFVerified

Overdraft Charge created by check, in person withdrawal, ATM withdrawal or other electronic means$25Within the typical range ($25–$33 nationally)
$5 below the national median$5 below the Nebraska median
per item · Source
Returned Item/Non-Sufficient Funds (NSF) Fee$25Within the typical range ($25–$32 nationally)
$5 below the national median$5 below the Nebraska median
per item · Source
Overdraft Daily Cap$100Within the typical range ($98.50–$168.75 nationally)
$25 below the national median
per day · Institution’s schedule

ATM & CardVerified

ATM/VISA Debit Card - Foreign ATM Tran Fee$2Within the typical range ($1–$2.25 nationally)
$0.50 above the national medianAt the Nebraska median
Source
ATM/VISA Debit Card - Replace Visa Debit Card$5Within the typical range ($5–$10 nationally)
$5 below the national median$5 below the Nebraska median
Source

Wire TransfersVerified

Outgoing Wire$20Within the typical range ($20–$25 nationally)
$5 below the national medianAt the Nebraska median
Source
Incoming Wire$20Above the typical range ($5–$15 nationally)
$10 above the national median$10 above the Nebraska median
Source
International Outgoing Wire$50Within the typical range ($40–$50 nationally)
At the national medianAt the Nebraska median
Source

Check ServicesVerified

Cashier's Check$5Within the typical range ($3–$6 nationally)
At the national medianAt the Nebraska median
Source
Stop Payment$15Below the typical range ($20–$30 nationally)
$12.50 below the national median$10 below the Nebraska median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation	$15Within the typical range ($12–$25 nationally)	$2.50 below the national median$2.50 below the Nebraska median	—	—	Source
Overdraft & NSFVerified
Overdraft Charge created by check, in person withdrawal, ATM withdrawal or other electronic means	$25Within the typical range ($25–$33 nationally)	$5 below the national median$5 below the Nebraska median	per item	—	Source
Returned Item/Non-Sufficient Funds (NSF) Fee	$25
ATM & CardVerified
ATM/VISA Debit Card - Foreign ATM Tran Fee	$2Within the typical range ($1–$2.25 nationally)	$0.50 above the national medianAt the Nebraska median	—	—	Source
ATM/VISA Debit Card - Replace Visa Debit Card	$5
Wire TransfersVerified
Outgoing Wire	$20Within the typical range ($20–$25 nationally)	$5 below the national medianAt the Nebraska median	—	—	Source
Incoming Wire	$20
Check ServicesVerified
Cashier's Check	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Nebraska median	—	—	Source
Stop Payment	$15
Account ServicesVerified
Garnishment	$20Below the typical range ($30–$87.50 nationally)	$30 below the national median$15 below the Nebraska median	—	—	Source
Other FeesVerified
Statement Reproduction	$3Within the typical range ($2–$5 nationally)	At the national medianAt the Nebraska median	—	—	Source

Against Kansas City Fed district banks

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$25.00
Of 124 others that publish it, 30 lower, 29 the same and 65 higher.

See every headline fee against its local competitors

Fee change alerts

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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

17% below the national median overdraft fee

13 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$242.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$242.3M

Total deposits

$199.8M

Service charge income

$35K

Fee income ratio

1.7%

Return on assets

0.88%

Branches

Service charge income by quarter

Q2 2026$35K

Q1 2026$32K

Q4 2025$31K

Q3 2025$33K

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, enforcement actions, and SEC filings

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Based on 65,356 published fee entries from 3,591 institutions

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