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

FirstOak Bank

Independence, KansasBankKansas City Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Overdraft & NSFVerified

Overdraft fee and NSF fee$36Above the typical range ($25–$30 nationally)

per item · Knox deterministic extraction from Rosetta artifact #5878. canonical_hint=overdraft; text_hash=f07ad9db0deae03f07546af2e14caa1660c11ef7dea8aea581d40b6c14fa0ef6; excerpt="Overdraft fee and NSF fee $36.00 per item" · Source

Wire TransfersVerified

Incoming Wire$10Within the typical range ($5–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5878. canonical_hint=wire_domestic_incoming; text_hash=f07ad9db0deae03f07546af2e14caa1660c11ef7dea8aea581d40b6c14fa0ef6; excerpt="Incoming Wire$10.00" · Source
International Outgoing wire$75Above the typical range ($40–$50 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #5878. canonical_hint=wire_intl_outgoing; text_hash=f07ad9db0deae03f07546af2e14caa1660c11ef7dea8aea581d40b6c14fa0ef6; excerpt="International Outgoing wire $75.00" · Source
Outgoing Domestic Wire$25Within the typical range ($20–$25 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #5878. canonical_hint=wire_domestic_outgoing; text_hash=f07ad9db0deae03f07546af2e14caa1660c11ef7dea8aea581d40b6c14fa0ef6; excerpt="Outgoing Domestic Wire $25.00" · Source

Check ServicesVerified

(Money Order)$3Within the typical range ($2–$3.50 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #5878. canonical_hint=money_order; text_hash=f07ad9db0deae03f07546af2e14caa1660c11ef7dea8aea581d40b6c14fa0ef6; excerpt="Bank official checks (Money Order) $3.00" · Source
Cashier Checks$5Within the typical range ($3–$5.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5878. canonical_hint=cashiers_check; text_hash=f07ad9db0deae03f07546af2e14caa1660c11ef7dea8aea581d40b6c14fa0ef6; excerpt="Cashier Checks $5.00" · Source

Cash & DepositVerified

Zipper bag 2nd and after$10Within the typical range ($5–$20 nationally)
$3.50 below the national median
Knox deterministic extraction from Rosetta artifact #5878. canonical_hint=night_deposit; text_hash=f07ad9db0deae03f07546af2e14caa1660c11ef7dea8aea581d40b6c14fa0ef6; excerpt="Zipper bag 2nd and after $10.00" · Source

Account ServicesVerified

Safety Deposit Box Drill Out Fee$75Within the typical range ($25–$75 nationally)
$32.50 above the national median
Knox deterministic extraction from Rosetta artifact #5878. canonical_hint=safe_deposit_box; text_hash=f07ad9db0deae03f07546af2e14caa1660c11ef7dea8aea581d40b6c14fa0ef6; excerpt="Safety Deposit Box Drill Out Fee $75.00 plus mileage" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFVerified
Overdraft fee and NSF fee	$36Above the typical range ($25–$30 nationally)	$6 above the national median	per item	Knox deterministic extraction from Rosetta artifact #5878. canonical_hint=overdraft; text_hash=f07ad9db0deae03f07546af2e14caa1660c11ef7dea8aea581d40b6c14fa0ef6; excerpt="Overdraft fee and NSF fee $36.00 per item"	Source
Wire TransfersVerified
Incoming Wire	$10Within the typical range ($5–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #5878. canonical_hint=wire_domestic_incoming; text_hash=f07ad9db0deae03f07546af2e14caa1660c11ef7dea8aea581d40b6c14fa0ef6; excerpt="Incoming Wire$10.00"	Source
International Outgoing wire
Check ServicesVerified
(Money Order)	$3Within the typical range ($2–$3.50 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #5878. canonical_hint=money_order; text_hash=f07ad9db0deae03f07546af2e14caa1660c11ef7dea8aea581d40b6c14fa0ef6; excerpt="Bank official checks (Money Order) $3.00"	Source
Cashier Checks
Cash & DepositVerified
Zipper bag 2nd and after	$10Within the typical range ($5–$20 nationally)	$3.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #5878. canonical_hint=night_deposit; text_hash=f07ad9db0deae03f07546af2e14caa1660c11ef7dea8aea581d40b6c14fa0ef6; excerpt="Zipper bag 2nd and after $10.00"	Source
Account ServicesVerified
Safety Deposit Box Drill Out Fee	$75Within the typical range ($25–$75 nationally)	$32.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #5878. canonical_hint=safe_deposit_box; text_hash=f07ad9db0deae03f07546af2e14caa1660c11ef7dea8aea581d40b6c14fa0ef6; excerpt="Safety Deposit Box Drill Out Fee $75.00 plus mileage"	Source

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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: 8 — leaner than most institutions

Published fees

Under review

Assets

$241.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$241.2M

Total deposits

$212.3M

Service charge income

$88K

Fee income ratio

2.9%

Return on assets

1.29%

Branches

Service charge income by quarter

Q2 2026$88K

Q1 2026$91K

Q4 2025$84K

Q3 2025$82K

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 25,662 verified fees from 2,224 institutions

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