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 Exchange State Bank of St. Paul, Kansas

Saint Paul, KansasBankKansas City 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

Dormant accounts over 2 years………$5Within the typical range ($5–$10 nationally)

Check ServicesVerified

Cashier’s Check$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
Money Order$2Within the typical range ($1.69–$3 nationally)
At the national median
Source
Stop Payments…………………………$30Within the typical range ($20–$30 nationally)
$3 above the national median
Source

Account ServicesVerified

10x10x24$60Within the typical range ($25–$80 nationally)
$15 above the national median
Source
10x3x24$25Within the typical range ($25–$80 nationally)
$20 below the national median
Source
10x4x24$30Within the typical range ($25–$80 nationally)
$15 below the national median
Source
10x5x24$35Within the typical range ($25–$80 nationally)
$10 below the national median
Source
3x5x24$15Below the typical range ($25–$80 nationally)
$30 below the national median
Source
5x5x24$20Below the typical range ($25–$80 nationally)
$25 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant accounts over 2 years………	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
monthly service charge	$4Within the typical range ($3–$10 nationally)	$1.95 below the national median	per month	—	Source
service charge if balance drops below	$10Within the typical range ($3–$10 nationally)	$4.05 above the national median	—	—	Source
service charge if minimum balance is less than in statement cycle	$7Within the typical range ($3–$10 nationally)	$1.05 above the national median	—	—	Source
service charge if minimum balance is or less	$4Within the typical range ($3–$10 nationally)	$1.95 below the national median	—	—	Source
service charge per month	$10Within the typical range ($3–$10 nationally)	$4.05 above the national median	per month	—	Source
Overdraft & NSFVerified
Overdraft & Insufficient Funds…………	$30Within the typical range ($25–$32 nationally)	At the national median	—	—	Source
Check ServicesVerified
Cashier’s Check	$5Within the typical range ($3–$5.50 nationally)	At the national median	—	—	Source
Money Order	$2
Account ServicesVerified
10x10x24	$60Within the typical range ($25–$80 nationally)	$15 above the national median	—	—	Source
10x3x24	$25Within the typical range ($25–$80 nationally)
Other FeesVerified
Statement Copy …………………………	$1Below the typical range ($2–$5 nationally)	$2 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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 17 — leaner than most institutions

Headline fees published

4 of 15

Published fees

Under review

Assets

$105.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$105.0M

Total deposits

$88.1M

Service charge income

$29K

Fee income ratio

2.4%

Return on assets

1.66%

Branches

Service charge income by quarter

Q2 2026$29K

Q1 2026$23K

Q4 2025$21K

Q3 2025$26K

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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Based on 39,614 published fee entries from 2,761 institutions

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