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

Community Bank Owatonna

Owatonna, MinnesotaBankMinneapolis Fed districtFees collected Feb 17, 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

Account Research and/or Reconciliation$25Within the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=account_research; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Account Research and/or Reconciliation | $25.00 per hour ($10.00 minimum)" · Source

Dormant Account$5

At the national median

Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=dormant_account; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Dormant Account | $5.00 (if balance is less than $1,000.00)" · Source

Paper Statement Fee$3.95

$0.95 above the national median

per month · Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=paper_statement; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Paper Statement Fee | $3.95 per month per account" · Source

Overdraft & NSFVerified

NSF Fee$35Above the typical range ($25–$31 nationally)
$5 above the national median
per item · Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=nsf; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="NSF Fee* | $35.00 per item" · Source
NSF fees apply to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means. The$35Above the typical range ($25–$31 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=nsf; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="* NSF fees apply to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means. The $35 fee applies whether the item is paid or returned." · Source

ATM & CardVerified

Debit Card Foreign ATM Transaction$2Within the typical range ($1–$2.50 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=atm_non_network; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Debit Card Foreign ATM Transaction | $2.00 each" · Source
Debit Card Replacement$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=card_replacement; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Debit Card Replacement | $10.00" · Source

Wire TransfersVerified

Wire Transfers: Outgoing (Customers Only)$25Within the typical range ($20–$25 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=wire_domestic_outgoing; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Wire Transfers: Outgoing (Customers Only) | $25.00" · Source

Check ServicesVerified

Cashier’s Check (Customer)$7Above the typical range ($3–$6 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=cashiers_check; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Cashier’s Check (Customer) | $7.00 each" · Source
Check Cashing (Non-Customer)$5Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=check_cashing; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Check Cashing (Non-Customer) | $5.00 each" · Source
Money Orders (Customers)$5Above the typical range ($2–$3 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=money_order; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Money Orders (Customers) | $5.00 each" · Source
Stop Payment$35Above the typical range ($20–$30 nationally)
$8 above the national median
per item · Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=stop_payment; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Stop Payment | $35.00 per item" · Source

Cash & DepositVerified

Lost Key for Night Deposit Bag$5Within the typical range ($5–$20 nationally)
$8.50 below the national median
Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=night_deposit; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Lost Key for Night Deposit Bag | $5.00" · Source

Account ServicesVerified

Garnishment/Levies$100Above the typical range ($30–$75 nationally)
$50 above the national median
Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=garnishment_levy; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Garnishment/Levies | $100.00" · Source

Gift & Prepaid CardsVerified

Gift Cards$5Above the typical range ($3–$4.95 nationally)
$1.50 above the national median
Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=gift_card_purchase; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Gift Cards | $5.00 each" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research and/or Reconciliation	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=account_research; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Account Research and/or Reconciliation \| $25.00 per hour ($10.00 minimum)"	Source
Dormant Account	$5Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=dormant_account; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Dormant Account \| $5.00 (if balance is less than $1,000.00)"	Source
Paper Statement Fee	$3.95Within the typical range ($2–$5 nationally)	$0.95 above the national median	per month	Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=paper_statement; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Paper Statement Fee \| $3.95 per month per account"	Source
Overdraft & NSFVerified
NSF Fee	$35Above the typical range ($25–$31 nationally)	$5 above the national median	per item	Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=nsf; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="NSF Fee* \| $35.00 per item"	Source
NSF fees apply to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means. The
ATM & CardVerified
Debit Card Foreign ATM Transaction	$2Within the typical range ($1–$2.50 nationally)	$0.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=atm_non_network; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Debit Card Foreign ATM Transaction \| $2.00 each"	Source
Debit Card Replacement
Wire TransfersVerified
Wire Transfers: Outgoing (Customers Only)	$25Within the typical range ($20–$25 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=wire_domestic_outgoing; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Wire Transfers: Outgoing (Customers Only) \| $25.00"	Source
Check ServicesVerified
Cashier’s Check (Customer)	$7Above the typical range ($3–$6 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=cashiers_check; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Cashier’s Check (Customer) \| $7.00 each"	Source
Check Cashing (Non-Customer)
Cash & DepositVerified
Lost Key for Night Deposit Bag	$5Within the typical range ($5–$20 nationally)	$8.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=night_deposit; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Lost Key for Night Deposit Bag \| $5.00"	Source
Account ServicesVerified
Garnishment/Levies	$100Above the typical range ($30–$75 nationally)	$50 above the national median	—	Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=garnishment_levy; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Garnishment/Levies \| $100.00"	Source
Gift & Prepaid CardsVerified
Gift Cards	$5Above the typical range ($3–$4.95 nationally)	$1.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #9329. canonical_hint=gift_card_purchase; text_hash=bf89f78da843e70e8e1398e24935276620df447c8df982ceb5d5c99251fbeab4; excerpt="Gift Cards \| $5.00 each"	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 fee: $35

17% above the national median overdraft fee

Total fees: 15 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$103.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$103.3M

Total deposits

$94.7M

Service charge income

$15K

Fee income ratio

1.6%

Return on assets

0.77%

Branches

Service charge income by quarter

Q2 2026$15K

Q1 2026$13K

Q4 2025$14K

Q3 2025$15K

Financial profile · Pro

Performance from regulator filings

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

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Based on 27,539 verified fees from 2,277 institutions

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