Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, under $300M

Franklin State Bank & Trust Company

Winnsboro, LouisianaBankAtlanta Fed districtFees collected Oct 4, 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

Maintenance Fee$8Within the typical range ($4–$12.63 nationally)

Knox deterministic extraction from Rosetta artifact #1833. canonical_hint=monthly_maintenance; text_hash=3a1cb732789f3bc0142a9f32460fe4d9f88b37ec0f80030f954356551bb41e89; excerpt="Balance Requirement: Less than $300Maintenance Fee: $8" · Source

Maintenance Fee$3

$3.13 below the national median

Maintenance Fee$6

$0.13 below the national median

Maintenance Fee$9

$2.87 above the national median

Maintenance Fee$5

$1.13 below the national median

Overdraft & NSFVerified

per overdraft charge$35Above the typical range ($20–$30 nationally)
$7 above the national median
Knox deterministic extraction from Rosetta artifact #1833. canonical_hint=overdraft; text_hash=3a1cb732789f3bc0142a9f32460fe4d9f88b37ec0f80030f954356551bb41e89; excerpt="$35 per overdraft charge" · Source

Check ServicesVerified

fee per stop payment$30Within the typical range ($20–$30 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #1833. canonical_hint=stop_payment; text_hash=3a1cb732789f3bc0142a9f32460fe4d9f88b37ec0f80030f954356551bb41e89; excerpt="$30 fee per stop payment" · Source
fee per stop payment$20Within the typical range ($20–$30 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #1833. canonical_hint=stop_payment; text_hash=3a1cb732789f3bc0142a9f32460fe4d9f88b37ec0f80030f954356551bb41e89; excerpt="fee per stop payment / $20" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Maintenance Fee	$8Within the typical range ($4–$12.63 nationally)	$1.87 above the national median	—	Knox deterministic extraction from Rosetta artifact #1833. canonical_hint=monthly_maintenance; text_hash=3a1cb732789f3bc0142a9f32460fe4d9f88b37ec0f80030f954356551bb41e89; excerpt="Balance Requirement: Less than $300Maintenance Fee: $8"	Source
Maintenance Fee	$3Below the typical range ($4–$12.63 nationally)	$3.13 below the national median	—	Knox deterministic extraction from Rosetta artifact #1833. canonical_hint=monthly_maintenance; text_hash=3a1cb732789f3bc0142a9f32460fe4d9f88b37ec0f80030f954356551bb41e89; excerpt="Maintenance Fee: $3"	Source
Maintenance Fee	$6Within the typical range ($4–$12.63 nationally)	$0.13 below the national median	—	Knox deterministic extraction from Rosetta artifact #1833. canonical_hint=monthly_maintenance; text_hash=3a1cb732789f3bc0142a9f32460fe4d9f88b37ec0f80030f954356551bb41e89; excerpt="Maintenance Fee: $6"	Source
Maintenance Fee	$9Within the typical range ($4–$12.63 nationally)	$2.87 above the national median	—	Knox deterministic extraction from Rosetta artifact #1833. canonical_hint=monthly_maintenance; text_hash=3a1cb732789f3bc0142a9f32460fe4d9f88b37ec0f80030f954356551bb41e89; excerpt="Balance Requirement: Less than $1,500Maintenance Fee: $9"	Source
Maintenance Fee	$5Within the typical range ($4–$12.63 nationally)	$1.13 below the national median	—	Knox deterministic extraction from Rosetta artifact #1833. canonical_hint=monthly_maintenance; text_hash=3a1cb732789f3bc0142a9f32460fe4d9f88b37ec0f80030f954356551bb41e89; excerpt="Balance Requirement: Less than $300Maintenance Fee: $5"	Source
Overdraft & NSFVerified
per overdraft charge	$35Above the typical range ($20–$30 nationally)	$7 above the national median	—	Knox deterministic extraction from Rosetta artifact #1833. canonical_hint=overdraft; text_hash=3a1cb732789f3bc0142a9f32460fe4d9f88b37ec0f80030f954356551bb41e89; excerpt="$35 per overdraft charge"	Source
Check ServicesVerified
fee per stop payment	$30Within the typical range ($20–$30 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #1833. canonical_hint=stop_payment; text_hash=3a1cb732789f3bc0142a9f32460fe4d9f88b37ec0f80030f954356551bb41e89; excerpt="$30 fee per stop payment"	Source
fee per stop payment	$20

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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

25% above the national median overdraft fee

Total fees: 8 — leaner than most institutions

Verified fees

Under review

Assets

$224.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$224.7M

Total deposits

$200.2M

Service charge income

$95K

Fee income ratio

3.6%

Return on assets

1.75%

Branches

Service charge income by quarter

Q2 2026$95K

Q1 2026$97K

Q4 2025$97K

Q3 2025$102K

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 20,792 verified fees from 2,117 institutions

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