vs. U.S. typical range:LowerTypicalHigher
$1 below the national median$2 below the Texas median
per month · Source
$2.50 below the national medianAt the Texas median
$7.50 above the national median$9.50 above the Texas median
At the national medianAt the Texas median
per item · Source
At the national medianAt the Texas median
per item · Source
$2 below the national median$0.50 above the Texas median
$2 below the national median$2 below the Texas median
$7.50 below the national median$9.50 below the Texas median
per item · Source
$5 below the national median$2 below the Texas median
$105 above the national median$105 above the Texas median
$30 below the national median$30 below the Texas median
$1.50 above the national median$1.50 above the Texas median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Per month maintenance fee | $5Within the typical range ($4–$10 nationally) | $1 below the national median$2 below the Texas median | per month | — | Source |
| Account closed within 90 days of opening | $15Within the typical range ($10–$25 nationally) | $2.50 below the national medianAt the Texas median | — | — | Source |
| Account research/Reconciliation | $25Within the typical range ($12–$25 nationally) | $7.50 above the national median$9.50 above the Texas median | — | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft (OD) | $30Within the typical range ($25–$33 nationally) | At the national medianAt the Texas median | per item | — | Source |
| Nonsufficient funds (NSF) | $30 | ||||
ATM & CardVerified | |||||
| Renew or Replace Debit Card | $8Within the typical range ($5–$10 nationally) | $2 below the national median$0.50 above the Texas median | — | — | Source |
Check ServicesVerified | |||||
| Cashier's Checks | $3Within the typical range ($3–$6 nationally) | $2 below the national median$2 below the Texas median | — | — | Source |
| Stop Payment | $20 | ||||
Cash & DepositVerified | |||||
| Deposit Chargeback | $10Within the typical range ($8–$25 nationally) | $5 below the national median$2 below the Texas median | — | — | Source |
Account ServicesVerified | |||||
| Drilled Box Entry | $150Above the typical range ($30–$70 nationally) | $105 above the national median$105 above the Texas median | — | — | Source |
| Account Garnishments | $20 | ||||
Gift & Prepaid CardsVerified | |||||
| Visa Gift Cards | $5Above the typical range ($3–$4.95 nationally) | $1.50 above the national median$1.50 above the Texas median | — | — | Source |
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$30
Headline fees published
7 of 15
Published fees
12
Under review
0
Assets
$89.3M
Work at Bandera Bank? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$89.3M
Total deposits
$78.6M
Service charge income
$42K
Fee income ratio
3.6%
Return on assets
2.23%
Branches
1
Service charge income by quarter
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| At the national medianAt the Texas median |
| per item |
| — |
| Source |
| $7.50 below the national median$9.50 below the Texas median |
| per item |
| — |
| Source |
| $30 below the national median$30 below the Texas median |
| — |
| — |
| Source |