vs. U.S. typical range:LowerTypicalHigher
$42.50 above the national median$35 above the Missouri median
$22.50 above the national median$15 above the Missouri median
$7.50 below the national median$7.50 below the Missouri median
per month · Knox extract.rules v31 categorized a line held for review from Rosetta artifact #12759. canonical_hint=account_research; text_hash=df11ff2130a810891bd2f7ec831261e6a324d658e2e7322dbe0e640635db451d; excerpt="Bad Address | $ 10.00 Per Statement Cycle | Fee for use of non‐Southern Bank ATM plus surcharge from other ATM provider" · Source
$7.50 above the national median$7.50 above the Missouri median
$2 below the national median$1.25 below the Missouri median
per item · Source
$2 below the national medianAt the Missouri median
per item · Source
$0.50 above the national median$0.50 above the Missouri median
per item · Source
$2 below the national median$2 below the Missouri median
per item · Institution’s schedule
$10 below the national median$5 below the Missouri median
per item · Source
$2 above the national median$2 above the Missouri median
per item · Source
$3 above the national median$3 above the Missouri median
per item · Source
$2.50 above the national median$2 above the Missouri median
per item · Source
$1 below the national medianAt the Missouri median
per item · Source
At the national medianAt the Missouri median
$5 above the national median$10 above the Missouri median
per item · Source
$0.50 above the national median$2 above the Missouri median
per item · Source
$105 above the national median$117.50 above the Missouri median
$25 above the national median$25 above the Missouri median
per item · Source
At the national median$5 above the Missouri median
per year · Source
$1 below the national medianAt the Missouri median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Early Closing Business DDA | $60Above the typical range ($10–$25 nationally) | $42.50 above the national median$35 above the Missouri median | — | — | Source |
| Early Closing Consumer DDA | $40Above the typical range ($10–$25 nationally) | $22.50 above the national median$15 above the Missouri median | — | — | Source |
| Bad Address | $10Below the typical range ($11–$25 nationally) | $7.50 below the national median$7.50 below the Missouri median | per month | Knox extract.rules v31 categorized a line held for review from Rosetta artifact #12759. canonical_hint=account_research; text_hash=df11ff2130a810891bd2f7ec831261e6a324d658e2e7322dbe0e640635db451d; excerpt="Bad Address | $ 10.00 Per Statement Cycle | Fee for use of non‐Southern Bank ATM plus surcharge from other ATM provider" | Source |
| Statement Reconciliation | $25Within the typical range ($11–$25 nationally) | $7.50 above the national median$7.50 above the Missouri median | — | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft Charge | $28Within the typical range ($25–$33 nationally) | $2 below the national median$1.25 below the Missouri median | per item | — | Source |
| Return Item Charge | $28 | ||||
ATM & CardVerified | |||||
| ATM Transaction | $2Within the typical range ($1–$2.25 nationally) | $0.50 above the national median$0.50 above the Missouri median | per item | — | Source |
| Debit Card Replacement | $8 | ||||
Check ServicesVerified | |||||
| Cashier’s Checks | $7Above the typical range ($3–$6 nationally) | $2 above the national median$2 above the Missouri median | per item | — | Source |
| Personal Money Orders | $5 | ||||
Digital & ElectronicVerified | |||||
| ACH Origination | $10Within the typical range ($5–$20 nationally) | At the national medianAt the Missouri median | — | — | Source |
Cash & DepositVerified | |||||
| Returned Deposited Item Special Handling | $20Within the typical range ($8–$25 nationally) | $5 above the national median$10 above the Missouri median | per item | — | Source |
Account ServicesVerified | |||||
| Notary Service | $3Within the typical range ($0–$5 nationally) | $0.50 above the national median$2 above the Missouri median | per item | — | Source |
| Safe Deposit Box Drilling | $150 | ||||
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 medianAt the Missouri median | — | — | Source |
Fee change alerts
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Headline fees vs. national median
Overdraft
$28
Headline fees published
7 of 15
Published fees
21
Under review
0
Assets
$5.2B
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Financial Context
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
69
Service charge income by quarter
Financial profile · Pro
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| $2 below the national medianAt the Missouri median |
| per item |
| — |
| Source |
| $2 below the national median$2 below the Missouri median |
| per item |
| — |
| Institution’s schedule |
| Debit Card Rush Order | $30Within the typical range ($30–$50 nationally) | $10 below the national median$5 below the Missouri median | per item | — | Source |
| $3 above the national median$3 above the Missouri median |
| per item |
| — |
| Source |
| Interest Check Stop Payment & Reissuance | $30Within the typical range ($20–$30 nationally) | $2.50 above the national median$2 above the Missouri median | per item | — | Source |
| Counter Checks | $1Within the typical range ($1–$4 nationally) | $1 below the national medianAt the Missouri median | per item | — | Source |
| $105 above the national median$117.50 above the Missouri median |
| — |
| — |
| Source |
| Garnishments/Levies | $75Within the typical range ($30–$90 nationally) | $25 above the national median$25 above the Missouri median | per item | — | Source |
| Subpoena | $50Within the typical range ($30–$100 nationally) | At the national median$5 above the Missouri median | — | — | Source |