Overdraft Item Paid (Overdraft Fee) ................................................................................$32.98Above the typical range ($25–$32 nationally)
$2.98 above the national median
Source
per item OVERDRAFT FEES This fee applies to overdrafts created by check, in person withdrawals, ATM withdrawals, or othe$10Below the typical range ($25–$32 nationally)
$20 below the national median
per item · Source

Account ServicesVerified

Lost Key Fee$25Within the typical range ($25–$80 nationally)
$20 below the national median
Source

Lending FeesVerified

Late Fee$15Within the typical range ($12.75–$25 nationally)
$6 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
a monthly maintenance fee of	$8.79Within the typical range ($3–$10 nationally)	$3.29 above the national median	per month	—	Source
a monthly maintenance fee of	$6.99Within the typical range ($3–$10 nationally)	$1.49 above the national median	per month	—	Source
a monthly maintenance fee of	$8.99Within the typical range ($3–$10 nationally)	$3.49 above the national median	per month	—	Source
during the month, a monthly maintenance fee of	$25Above the typical range ($3–$10 nationally)	$19.50 above the national median	per month	—	Source
during the month, a monthly maintenance fee of	$7Within the typical range ($3–$10 nationally)	$1.50 above the national median	per month	—	Source
EARLY ACCOUNT CLOSING Account closes within 6 months	$30Above the typical range ($10–$25 nationally)	$15 above the national median	—	—	Source
Items Chg.) BANK SERVICES ACCOUNT RECORDS/RESEARCH FEE	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
Monthly maintenance fee	$1.50Below the typical range ($3–$10 nationally)	$4 below the national median	per month	—	Source
on any day of the month, a monthly maintenance fee of	$2Below the typical range ($3–$10 nationally)	$3.50 below the national median	per month	—	Source
Returned Statement (Due to undeliverable address)	$6Below the typical range ($20–$25 nationally)	$19 below the national median	per item	—	Source
Overdraft & NSFVerified
Overdraft Item Paid (Overdraft Fee) ................................................................................	$32.98Above the typical range ($25–$32 nationally)	$2.98 above the national median	—	—	Source
per item OVERDRAFT FEES This fee applies to overdrafts created by check, in person withdrawals, ATM withdrawals, or othe	$10
Account ServicesVerified
Lost Key Fee	$25Within the typical range ($25–$80 nationally)	$20 below the national median	—	—	Source
Lending FeesVerified
Late Fee	$15Within the typical range ($12.75–$25 nationally)	$6 below the national median	—	—	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

$32.98

Overdraft fee: $32.98

10% above the national median overdraft fee

Total fees: 14 — leaner than most institutions

Headline fees published

2 of 15

Published fees

Under review

Assets

$251.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$251.5M

Total deposits

$194.7M

Service charge income

$153K

Fee income ratio

4.3%

Return on assets

2.43%

Branches

Service charge income by quarter

Q2 2026$153K

Q1 2026$147K

Q4 2025$162K

Q3 2025$147K

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 37,892 published fee entries from 2,651 institutions

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