Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, under $300M

First State Bank

Watonga, OklahomaBankKansas City Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Account Fee$4Below the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #3305. canonical_hint=dormant_account; text_hash=cdd6ac0a6a57f4ab70f823df67e903497bc988e980ea8e5456670e6a38f930df; excerpt="Dormant Account Fee | $4.00/month" · Source

Overdraft & NSFVerified

Return NSF Item Charge$25Within the typical range ($25–$32 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #3305. canonical_hint=nsf; text_hash=cdd6ac0a6a57f4ab70f823df67e903497bc988e980ea8e5456670e6a38f930df; excerpt="Return NSF Item Charge | $25.00/" · Source

ATM & CardVerified

ATM Transaction Fee at ATM Other than FSB$1.25Within the typical range ($1–$3 nationally)
$0.25 below the national median
Knox deterministic extraction from Rosetta artifact #3305. canonical_hint=atm_non_network; text_hash=cdd6ac0a6a57f4ab70f823df67e903497bc988e980ea8e5456670e6a38f930df; excerpt="ATM Transaction Fee at ATM Other than FSB | $1.25" · Source
Cash Withdrawal: On Site ATM$0Below the typical range ($1–$3 nationally)
$1.50 below the national median
Knox read a free fee from Rosetta artifact #3305. canonical_hint=atm_non_network; text_hash=cdd6ac0a6a57f4ab70f823df67e903497bc988e980ea8e5456670e6a38f930df; excerpt="Cash Withdrawal: On Site ATM | Free" · Source

Check ServicesVerified

Cashier's Check$2Below the typical range ($3–$6 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #3305. canonical_hint=cashiers_check; text_hash=cdd6ac0a6a57f4ab70f823df67e903497bc988e980ea8e5456670e6a38f930df; excerpt="Cashier's Check | $2.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Fee	$4Below the typical range ($5–$10 nationally)	$1 below the national median	per month	Knox deterministic extraction from Rosetta artifact #3305. canonical_hint=dormant_account; text_hash=cdd6ac0a6a57f4ab70f823df67e903497bc988e980ea8e5456670e6a38f930df; excerpt="Dormant Account Fee \| $4.00/month"	Source
Overdraft & NSFVerified
Return NSF Item Charge	$25Within the typical range ($25–$32 nationally)	$4 below the national median	—	Knox deterministic extraction from Rosetta artifact #3305. canonical_hint=nsf; text_hash=cdd6ac0a6a57f4ab70f823df67e903497bc988e980ea8e5456670e6a38f930df; excerpt="Return NSF Item Charge \| $25.00/"	Source
ATM & CardVerified
ATM Transaction Fee at ATM Other than FSB	$1.25Within the typical range ($1–$3 nationally)	$0.25 below the national median	—	Knox deterministic extraction from Rosetta artifact #3305. canonical_hint=atm_non_network; text_hash=cdd6ac0a6a57f4ab70f823df67e903497bc988e980ea8e5456670e6a38f930df; excerpt="ATM Transaction Fee at ATM Other than FSB \| $1.25"	Source
Cash Withdrawal: On Site ATM
Check ServicesVerified
Cashier's Check	$2Below the typical range ($3–$6 nationally)	$3 below the national median	—	Knox deterministic extraction from Rosetta artifact #3305. canonical_hint=cashiers_check; text_hash=cdd6ac0a6a57f4ab70f823df67e903497bc988e980ea8e5456670e6a38f930df; excerpt="Cashier's Check \| $2.00"	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.

NSF fee: $25

14% below the national median NSF fee

Total fees: 5 — leaner than most institutions

Verified fees

Under review

Assets

$89.8M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$89.8M

Total deposits

$79.2M

Service charge income

$21K

Fee income ratio

1.9%

Return on assets

2.01%

Branches

Service charge income by quarter

Q2 2026$21K

Q1 2026$23K

Q4 2025$22K

Q3 2025$25K

Financial profile · Pro

Performance from regulator filings

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

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

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