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

First Bank and Trust Company

Minden, NebraskaBankKansas City Fed districtFees collected Oct 4, 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

Inactive Account Fee for Checking Accounts$5Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=dormant_account; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Inactive Account Fee for Checking Accounts | $5.00 per month" · Source

Reconciliation and Research Fee$25

At the national median

Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=account_research; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Reconciliation and Research Fee | $25.00 per hour (min. $25.00)" · Source

Overdraft & NSFVerified

Overdraft Fee$30Within the typical range ($25–$31 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=overdraft; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Overdraft Fee | $30.00 each week overdrawn" · Source
Return Item Fee$30Within the typical range ($25–$31 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=nsf; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Return Item Fee | $30.00 per presented item returned *" · Source

ATM & CardVerified

Visa Debit Card Replacement Fee$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=card_replacement; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Visa Debit Card Replacement Fee | $10.00" · Source

Check ServicesVerified

Cashier’s Checks (sold to customers only)$2Below the typical range ($3–$6 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=cashiers_check; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Cashier’s Checks (sold to customers only) | $2.00 each" · Source
Check Cashing Fee (Customers)$0Below the typical range ($5–$10 nationally)
$5 below the national median
Knox read a free fee from Rosetta artifact #2131. canonical_hint=check_cashing; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Check Cashing Fee (Customers) | No charge" · Source
Money Orders (sold to customers only)$1Below the typical range ($1.75–$3 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=money_order; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Money Orders (sold to customers only) | $1.00 each" · Source
Stop Payment Order$30Within the typical range ($20–$30 nationally)
$4.50 above the national median
Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=stop_payment; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Stop Payment Order | $30.00 per order" · Source

Cash & DepositVerified

Returned Deposit Fee$5Below the typical range ($10–$25 nationally)
$10 below the national median
per item · Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=deposited_item_return; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Returned Deposit Fee | $5.00 per item" · Source

Account ServicesVerified

Garnishments & Tax Levies$50Within the typical range ($30–$75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=garnishment_levy; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Garnishments & Tax Levies | $50.00" · Source
Lost Key$20Below the typical range ($25–$77.50 nationally)
$25 below the national median
Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=safe_deposit_box; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Lost Key | $20.00" · Source
Notary Service – (Non-customers)$10Above the typical range ($0–$5 nationally)
$7.50 above the national median
Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=notary_fee; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Notary Service – (Non-customers) | $10 per document" · Source

Other FeesVerified

Statement Copies$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=document_reproduction; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Statement Copies | $5.00 per statement" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Inactive Account Fee for Checking Accounts	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=dormant_account; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Inactive Account Fee for Checking Accounts \| $5.00 per month"	Source
Reconciliation and Research Fee	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=account_research; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Reconciliation and Research Fee \| $25.00 per hour (min. $25.00)"	Source
Overdraft & NSFVerified
Overdraft Fee	$30Within the typical range ($25–$31 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=overdraft; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Overdraft Fee \| $30.00 each week overdrawn"	Source
Return Item Fee	$30
ATM & CardVerified
Visa Debit Card Replacement Fee	$10Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=card_replacement; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Visa Debit Card Replacement Fee \| $10.00"	Source
Check ServicesVerified
Cashier’s Checks (sold to customers only)	$2Below the typical range ($3–$6 nationally)	$3 below the national median	—	Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=cashiers_check; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Cashier’s Checks (sold to customers only) \| $2.00 each"	Source
Check Cashing Fee (Customers)
Cash & DepositVerified
Returned Deposit Fee	$5Below the typical range ($10–$25 nationally)	$10 below the national median	per item	Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=deposited_item_return; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Returned Deposit Fee \| $5.00 per item"	Source
Account ServicesVerified
Garnishments & Tax Levies	$50Within the typical range ($30–$75 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=garnishment_levy; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Garnishments & Tax Levies \| $50.00"	Source
Lost Key	$20
Other FeesVerified
Statement Copies	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #2131. canonical_hint=document_reproduction; text_hash=9857ad28584bd5be35d3aec025eb12bb87343a983d041a7b7ac81bd1c130beec; excerpt="Statement Copies \| $5.00 per statement"	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: 14 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$91.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$91.2M

Total deposits

$66.3M

Service charge income

$16K

Fee income ratio

1.9%

Return on assets

1.05%

Branches

Service charge income by quarter

Q2 2026$16K

Q1 2026$18K

Q4 2025$21K

Q3 2025$19K

Financial profile · Pro

Performance from regulator filings

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