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

Guaranty Bank Inc.

Williamson, West VirginiaBankCleveland 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

Account balancing assistance$20Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2629. canonical_hint=account_research; text_hash=b48baab7c5e46b51fc8274cc8048fe4461ab09d8b738fa5182787d68e9291a48; excerpt="Account balancing assistance | $20.00/statement" · Source

Account closed within 90 days of opening$10

$5 below the national median

Knox deterministic extraction from Rosetta artifact #2629. canonical_hint=early_closure; text_hash=b48baab7c5e46b51fc8274cc8048fe4461ab09d8b738fa5182787d68e9291a48; excerpt="Account closed within 90 days of opening | $10.00" · Source

Account research ($25

$5 above the national median

Knox deterministic extraction from Rosetta artifact #990. canonical_hint=account_research; text_hash=84c95ddea1d71698a20433c5fb8f67608818aa37567d4ad55f46755711735384; excerpt="Account research ($25 Minimum Charge)" · Source

Monthly/ Periodic Paper Statement$2

$1 below the national median

per month · Knox deterministic extraction from Rosetta artifact #2629. canonical_hint=paper_statement; text_hash=b48baab7c5e46b51fc8274cc8048fe4461ab09d8b738fa5182787d68e9291a48; excerpt="Monthly/ Periodic Paper Statement | $2.00" · Source

Overdraft & NSFVerified

Overdraft (each item paid)$35Above the typical range ($20–$30 nationally)
$7 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2629. canonical_hint=overdraft; text_hash=b48baab7c5e46b51fc8274cc8048fe4461ab09d8b738fa5182787d68e9291a48; excerpt="Overdraft (each item paid) | $35.00" · Source

ATM & CardVerified

Foreign ATM transaction$3Within the typical range ($1–$3 nationally)
$1.50 above the national median
Knox deterministic extraction from Rosetta artifact #2629. canonical_hint=atm_non_network; text_hash=b48baab7c5e46b51fc8274cc8048fe4461ab09d8b738fa5182787d68e9291a48; excerpt="Foreign ATM transaction | $3.00" · Source
Replace ATM /Debit Card$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #990. canonical_hint=card_replacement; text_hash=84c95ddea1d71698a20433c5fb8f67608818aa37567d4ad55f46755711735384; excerpt="Replace ATM /Debit Card / $10.00" · Source

Check ServicesVerified

Cashier's check$6Within the typical range ($3–$6 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #2629. canonical_hint=cashiers_check; text_hash=b48baab7c5e46b51fc8274cc8048fe4461ab09d8b738fa5182787d68e9291a48; excerpt="Cashier's check | $6.00" · Source
Counter check$1Within the typical range ($1–$4 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #990. canonical_hint=counter_check; text_hash=84c95ddea1d71698a20433c5fb8f67608818aa37567d4ad55f46755711735384; excerpt="Counter check / $1.00/each" · Source
Stop payment - all types of items$35Above the typical range ($20–$30 nationally)
$8 above the national median
Knox deterministic extraction from Rosetta artifact #2629. canonical_hint=stop_payment; text_hash=b48baab7c5e46b51fc8274cc8048fe4461ab09d8b738fa5182787d68e9291a48; excerpt="Stop payment - all types of items | $35.00/stop" · Source

Cash & DepositVerified

Deposited checks returned unpaid$10Within the typical range ($9.50–$25 nationally)
$5 below the national median
per item · Knox deterministic extraction from Rosetta artifact #990. canonical_hint=deposited_item_return; text_hash=84c95ddea1d71698a20433c5fb8f67608818aa37567d4ad55f46755711735384; excerpt="Deposited checks returned unpaid / $10.00/item" · Source

Account ServicesVerified

10" x 10" box$20Below the typical range ($25–$80 nationally)
$20 below the national median
per year · Knox deterministic extraction from Rosetta artifact #990. canonical_hint=safe_deposit_box; text_hash=84c95ddea1d71698a20433c5fb8f67608818aa37567d4ad55f46755711735384; excerpt="10" x 10" box / $20.00 plus tax annually" · Source

Other FeesVerified

Photocopies$0.25Below the typical range ($2–$5 nationally)
$2.75 below the national median
Knox deterministic extraction from Rosetta artifact #990. canonical_hint=document_reproduction; text_hash=84c95ddea1d71698a20433c5fb8f67608818aa37567d4ad55f46755711735384; excerpt="Photocopies / $0.25/page" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account balancing assistance	$20Within the typical range ($15–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2629. canonical_hint=account_research; text_hash=b48baab7c5e46b51fc8274cc8048fe4461ab09d8b738fa5182787d68e9291a48; excerpt="Account balancing assistance \| $20.00/statement"	Source
Account closed within 90 days of opening	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2629. canonical_hint=early_closure; text_hash=b48baab7c5e46b51fc8274cc8048fe4461ab09d8b738fa5182787d68e9291a48; excerpt="Account closed within 90 days of opening \| $10.00"	Source
Account research (	$25Within the typical range ($15–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #990. canonical_hint=account_research; text_hash=84c95ddea1d71698a20433c5fb8f67608818aa37567d4ad55f46755711735384; excerpt="Account research ($25 Minimum Charge)"	Source
Monthly/ Periodic Paper Statement	$2Within the typical range ($2–$5 nationally)	$1 below the national median	per month	Knox deterministic extraction from Rosetta artifact #2629. canonical_hint=paper_statement; text_hash=b48baab7c5e46b51fc8274cc8048fe4461ab09d8b738fa5182787d68e9291a48; excerpt="Monthly/ Periodic Paper Statement \| $2.00"	Source
Overdraft & NSFVerified
Overdraft (each item paid)	$35Above the typical range ($20–$30 nationally)	$7 above the national median	per item	Knox deterministic extraction from Rosetta artifact #2629. canonical_hint=overdraft; text_hash=b48baab7c5e46b51fc8274cc8048fe4461ab09d8b738fa5182787d68e9291a48; excerpt="Overdraft (each item paid) \| $35.00"	Source
ATM & CardVerified
Foreign ATM transaction	$3Within the typical range ($1–$3 nationally)	$1.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #2629. canonical_hint=atm_non_network; text_hash=b48baab7c5e46b51fc8274cc8048fe4461ab09d8b738fa5182787d68e9291a48; excerpt="Foreign ATM transaction \| $3.00"	Source
Replace ATM /Debit Card	$10
Check ServicesVerified
Cashier's check	$6Within the typical range ($3–$6 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #2629. canonical_hint=cashiers_check; text_hash=b48baab7c5e46b51fc8274cc8048fe4461ab09d8b738fa5182787d68e9291a48; excerpt="Cashier's check \| $6.00"	Source
Counter check	$1
Cash & DepositVerified
Deposited checks returned unpaid	$10Within the typical range ($9.50–$25 nationally)	$5 below the national median	per item	Knox deterministic extraction from Rosetta artifact #990. canonical_hint=deposited_item_return; text_hash=84c95ddea1d71698a20433c5fb8f67608818aa37567d4ad55f46755711735384; excerpt="Deposited checks returned unpaid / $10.00/item"	Source
Account ServicesVerified
10" x 10" box	$20Below the typical range ($25–$80 nationally)	$20 below the national median	per year	Knox deterministic extraction from Rosetta artifact #990. canonical_hint=safe_deposit_box; text_hash=84c95ddea1d71698a20433c5fb8f67608818aa37567d4ad55f46755711735384; excerpt="10" x 10" box / $20.00 plus tax annually"	Source
Other FeesVerified
Photocopies	$0.25Below the typical range ($2–$5 nationally)	$2.75 below the national median	—	Knox deterministic extraction from Rosetta artifact #990. canonical_hint=document_reproduction; text_hash=84c95ddea1d71698a20433c5fb8f67608818aa37567d4ad55f46755711735384; excerpt="Photocopies / $0.25/page"	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

25% above the national median overdraft fee

Total fees: 13 — leaner than most institutions

Verified fees

Under review

Assets

$152.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$152.4M

Total deposits

$126.4M

Service charge income

$51K

Fee income ratio

3.1%

Return on assets

0.24%

Branches

Service charge income by quarter

Q2 2026$51K

Q1 2026$59K

Q4 2025$57K

Q3 2025$72K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

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