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

The First National Bank of Dryden

Dryden, New YorkBankNew York Fed districtFees collected Oct 5, 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

Dormant Checking & Statement Savings Fee$5Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Overdraft Fee$35Above the typical range ($25–$32 nationally)
$5 above the national median
per item · Source
Returned Check Fee$35Above the typical range ($25–$31 nationally)
$5 above the national median
per item · Source

Wire TransfersVerified

Wires: Incoming – Customer$10Within the typical range ($5–$15 nationally)
At the national median
Source
Wires: Outgoing – Domestic$20Within the typical range ($20–$25 nationally)
$5 below the national median
Source
Wires: Outgoing – Foreign$40Within the typical range ($40–$50 nationally)
$10 below the national median
Source

Check ServicesVerified

Copies of checks$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source
Money Order – First Per Day: Free, Each After$2Within the typical range ($1.50–$3 nationally)
At the national median
per day · Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$3.37 above the national median
Source
Temporary Checks$0.25Below the typical range ($1–$4 nationally)
$1.75 below the national median
per item · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Checking & Statement Savings Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Dormant Passbook Fee	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	—	Source
Temporary Statements	$2Within the typical range ($2–$4 nationally)	$1 below the national median	per item	—	Source
Overdraft & NSFVerified
Overdraft Fee	$35Above the typical range ($25–$32 nationally)	$5 above the national median	per item	—	Source
Returned Check Fee	$35Above the typical range ($25–$31 nationally)
ATM & CardVerified
ATM/Visa Check Card Reorder	$2Within the typical range ($1–$2.50 nationally)	$0.25 above the national median	—	—	Source
Wire TransfersVerified
Wires: Incoming – Customer	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Wires: Outgoing – Domestic	$20
Check ServicesVerified
Copies of checks	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	—	Source
Money Order – First Per Day: Free, Each After	$2
Account ServicesVerified
Tax Levy	$100Above the typical range ($30–$75 nationally)	$50 above the national median	—	—	Source
Other FeesVerified
Copies of Statement	$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

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 15 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$203.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$203.9M

Total deposits

$179.6M

Service charge income

$51K

Fee income ratio

2.2%

Return on assets

1.14%

Branches

Service charge income by quarter

Q2 2026$51K

Q1 2026$47K

Q4 2025$47K

Q3 2025$53K

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, and SEC filings

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