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, $1B to $10B

Southern Bank

Poplar Bluff, MissouriBankSt. Louis Fed districtFees collected Oct 6, 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

Early Closing Business DDA$60Above the typical range ($10–$25 nationally)

Overdraft & NSFVerified

Overdraft Charge$28Within the typical range ($25–$32 nationally)
$2 below the national median
per item · Source
Return Item Charge$28Within the typical range ($25–$31.50 nationally)
$2 below the national median
per item · Source

ATM & CardVerified

ATM Transaction$2Within the typical range ($1–$2.50 nationally)
$0.08 above the national median
Source
Debit Card Replacement$8Within the typical range ($5–$10 nationally)
$2 below the national median
per item · Source
Debit Card Rush Order$30Within the typical range ($30–$50 nationally)
$10 below the national median
Source

Check ServicesVerified

Cashier’s Checks$7Above the typical range ($3–$5.50 nationally)
$2 above the national median
Source
Check Printing | Domestic Transfer Outgoing$30Above the typical range ($1.25–$19.67 nationally)
$25 above the national median
Source
Counter Checks$1Within the typical range ($1–$4 nationally)
$1 below the national median
per item · Source
Interest Check Stop Payment & Reissuance$30Within the typical range ($20–$30 nationally)
$3 above the national median
per item · Source
Personal Money Orders$5Above the typical range ($1.69–$3 nationally)
$3 above the national median
Source

Account ServicesVerified

Garnishments/Levies$75Within the typical range ($30–$75 nationally)
$25 above the national median
per item · Source
Notary Service$3Within the typical range ($0–$5 nationally)
$0.50 above the national median
Source
Per Hour | Safe Deposit Box Drilling$150Above the typical range ($25–$80 nationally)
$105 above the national median
Source
Subpoena$50Within the typical range ($50–$150 nationally)
$50 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Early Closing Business DDA	$60Above the typical range ($10–$25 nationally)	$45 above the national median	—	—	Source
Early Closing Consumer DDA	$40Above the typical range ($10–$25 nationally)	$25 above the national median	—	—	Source
Statement Reconciliation	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Overdraft & NSFVerified
Overdraft Charge	$28Within the typical range ($25–$32 nationally)	$2 below the national median	per item	—	Source
Return Item Charge	$28
ATM & CardVerified
ATM Transaction	$2Within the typical range ($1–$2.50 nationally)	$0.08 above the national median	—	—	Source
Debit Card Replacement	$8
Check ServicesVerified
Cashier’s Checks	$7Above the typical range ($3–$5.50 nationally)	$2 above the national median	—	—	Source
Check Printing \| Domestic Transfer Outgoing	$30
Digital & ElectronicVerified
ACH Origination	$10Within the typical range ($5–$20 nationally)	At the national median	—	—	Source
Cash & DepositVerified
Returned Deposited Item Special Handling	$20Within the typical range ($10–$25 nationally)	$5 above the national median	per item	—	Source
Account ServicesVerified
Garnishments/Levies	$75Within the typical range ($30–$75 nationally)	$25 above the national median	per item	—	Source
Notary Service	$3
Retirement & IRAVerified
IRA Annual Maintenance	$10Within the typical range ($10–$25 nationally)	$5 below the national median	per year	—	Source
Other FeesVerified
Statement Reproduction	$2Within the typical range ($2–$5 nationally)	$1 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

$28

Overdraft fee: $28

7% below the national median overdraft fee

Total fees: 21 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$5.2B

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$5.2B

Total deposits

$4.4B

Service charge income

$2.5M

Fee income ratio

4.7%

Return on assets

1.62%

Branches

Service charge income by quarter

Q2 2026$2.5M

Q1 2026$2.4M

Q4 2025$2.6M

Q3 2025$2.5M

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 39,573 published fee entries from 2,758 institutions

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