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

Henderson Federal Savings Bank

Henderson, TexasBankDallas Fed districtFees collected Oct 9, 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 Fee (account closed within 60 days of opening)$10Within the typical range ($10–$25 nationally)

Overdraft & NSFVerified

Paid items$15Below the typical range ($25–$33 nationally)
$15 below the national median$15 below the Texas median
per item · Source
Returned items$15Below the typical range ($25–$32 nationally)
$15 below the national median$15 below the Texas median
per item · Source

Check ServicesVerified

Cashier's Check$5Within the typical range ($3–$6 nationally)
At the national medianAt the Texas median
per item · Source
Money Orders$2Within the typical range ($1.50–$3 nationally)
At the national medianAt the Texas median
per item · Source
Stop Payment$15Below the typical range ($20–$30 nationally)
$12.50 below the national median$14.50 below the Texas median
Source
Check Cashing (non-customer)$5Within the typical range ($5–$10 nationally)
At the national medianAt the Texas median
per item · Source

Cash & DepositVerified

Coin Counting (non-customer)10%
—
Source
Deposit Items Returned$5Below the typical range ($8–$25 nationally)
$10 below the national median$7 below the Texas median
per item · Source

Account ServicesVerified

Notary Public Service (non-customer)$5Within the typical range ($0–$5 nationally)
$2.50 above the national median$2 above the Texas median
Source
Drill Lock & Replace$300Above the typical range ($30–$70 nationally)
$255 above the national median$255 above the Texas median
Source
Safe Deposit Box Key Deposit (Refundable)$10Below the typical range ($30–$70 nationally)
$35 below the national median$35 below the Texas median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Early Closing Fee (account closed within 60 days of opening)	$10Within the typical range ($10–$25 nationally)	$7.50 below the national median$5 below the Texas median	—	—	Source
Account Reconciliation (per hour plus additional costs)	$10Below the typical range ($11–$25 nationally)	$7.50 below the national median$5 below the Texas median	—	—	Source
Overdraft & NSFVerified
Paid items	$15Below the typical range ($25–$33 nationally)	$15 below the national median$15 below the Texas median	per item	—	Source
Returned items	$15
ATM & CardVerified
Lost/reinstated ATM/Debit Card	$10Within the typical range ($5–$10 nationally)	At the national median$2.50 above the Texas median	—	—	Source
Check ServicesVerified
Cashier's Check	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Texas median	per item	—	Source
Money Orders	$2
Cash & DepositVerified
Coin Counting (non-customer)	10%	—	—	—	Source
Deposit Items Returned	$5Below the typical range ($8–$25 nationally)	$10 below the national median$7 below the Texas median
Account ServicesVerified
Notary Public Service (non-customer)	$5Within the typical range ($0–$5 nationally)	$2.50 above the national median$2 above the Texas median	—	—	Source
Drill Lock & Replace	$300
Other FeesVerified
Photocopies	$0.25Below the typical range ($2–$5 nationally)	$2.75 below the national median$2.75 below the Texas median	per item	—	Source

Fee change alerts

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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

$15

Overdraft fee: $15

50% below the national median overdraft fee

14 verified fees collected

Headline fees published

6 of 15

Published fees

Under review

Assets

$117.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$117.7M

Total deposits

$86.7M

Service charge income

$7K

Fee income ratio

0.66%

Return on assets

1.15%

Branches

Service charge income by quarter

Q2 2026$7K

Q1 2026$7K

Q4 2025$9K

Q3 2025$8K

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, enforcement actions, and SEC filings

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Based on 66,668 published fee entries from 3,619 institutions

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