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 Howard State Bank, Howard, Kansas

Howard, KansasBankKansas City Fed districtFees collected Oct 5, 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 Balancing Assistance$10Below the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=account_research; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Account Balancing Assistance | $10.00 per hour" · Source

Dormant Account Fee An account is considered dormant after 12 months of no activity.$3

$2 below the national median

per month · Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=dormant_account; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Dormant Account Fee An account is considered dormant after 12 months of no activity. | $3.00/Month" · Source

Overdraft & NSFVerified

Overdraft/NSF Items$30Within the typical range ($25–$31 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=overdraft; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Overdraft/NSF Items | $30.00" · Source

ATM & CardVerified

First Card Free- Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=card_replacement; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Debit Card | First Card Free- Replacement $5.00" · Source

Check ServicesVerified

Cashier's Checks$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=cashiers_check; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Cashier's Checks | $5.00" · Source
Counter Checks$0.25Below the typical range ($1–$4 nationally)
$1.75 below the national median
Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=counter_check; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Counter Checks | $0.25" · Source
Stop Payments$10Below the typical range ($20–$30 nationally)
$17 below the national median
Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=stop_payment; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Stop Payments | $10.00" · Source

Digital & ElectronicVerified

Online Bill Pay$0Within the typical range ($0–$10 nationally)
$4.95 below the national median
Knox read a free fee from Rosetta artifact #10267. canonical_hint=bill_pay; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Online Bill Pay | Free" · Source

Account ServicesVerified

Safe Deposit Box 10X10$50Within the typical range ($25–$75 nationally)
$7.50 above the national median
per year · Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=safe_deposit_box; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Safe Deposit Box 10X10 | $50.00/year" · Source
Safe Deposit Box 10X15$75Within the typical range ($25–$75 nationally)
$32.50 above the national median
per year · Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=safe_deposit_box; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Safe Deposit Box 10X15 | $75.00/year" · Source
Safe Deposit Box 11X11$70Within the typical range ($25–$75 nationally)
$27.50 above the national median
per year · Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=safe_deposit_box; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Safe Deposit Box 11X11 | $70.00/year" · Source
Safe Deposit Box 11X15$80Above the typical range ($25–$75 nationally)
$37.50 above the national median
per year · Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=safe_deposit_box; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Safe Deposit Box 11X15 | $80.00/year" · Source
Safe Deposit Box 2X10$20Below the typical range ($25–$75 nationally)
$22.50 below the national median
per year · Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=safe_deposit_box; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Safe Deposit Box 2X10 | $20.00/year" · Source
Safe Deposit Box 3X5$15Below the typical range ($25–$75 nationally)
$27.50 below the national median
per year · Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=safe_deposit_box; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Safe Deposit Box 3X5 | $15.00/year" · Source
Safe Deposit Box 5X10$35Within the typical range ($25–$75 nationally)
$7.50 below the national median
per year · Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=safe_deposit_box; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Safe Deposit Box 5X10 | $35.00/year" · Source
Safe Deposit Box 5X5$25Within the typical range ($25–$75 nationally)
$17.50 below the national median
per year · Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=safe_deposit_box; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Safe Deposit Box 5X5 | $25.00/year" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Balancing Assistance	$10Below the typical range ($17.50–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=account_research; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Account Balancing Assistance \| $10.00 per hour"	Source
Dormant Account Fee An account is considered dormant after 12 months of no activity.	$3Below the typical range ($5–$10 nationally)	$2 below the national median	per month	Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=dormant_account; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Dormant Account Fee An account is considered dormant after 12 months of no activity. \| $3.00/Month"	Source
Overdraft & NSFVerified
Overdraft/NSF Items	$30Within the typical range ($25–$31 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=overdraft; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Overdraft/NSF Items \| $30.00"	Source
ATM & CardVerified
First Card Free- Replacement	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=card_replacement; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Debit Card \| First Card Free- Replacement $5.00"	Source
Check ServicesVerified
Cashier's Checks	$5Within the typical range ($3–$6 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=cashiers_check; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Cashier's Checks \| $5.00"	Source
Counter Checks	$0.25
Digital & ElectronicVerified
Online Bill Pay	$0Within the typical range ($0–$10 nationally)	$4.95 below the national median	—	Knox read a free fee from Rosetta artifact #10267. canonical_hint=bill_pay; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Online Bill Pay \| Free"	Source
Account ServicesVerified
Safe Deposit Box 10X10	$50Within the typical range ($25–$75 nationally)	$7.50 above the national median	per year	Knox deterministic extraction from Rosetta artifact #10267. canonical_hint=safe_deposit_box; text_hash=798c1ed945e3e35811cd050b4520d8b020aa52261f75d24adc180d7112c508cb; excerpt="Safe Deposit Box 10X10 \| $50.00/year"	Source
Safe Deposit Box 10X15

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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: 16 — leaner than most institutions

Headline fees published

4 of 15

Published fees

Under review

Assets

$80.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$80.2M

Total deposits

$71.1M

Service charge income

$14K

Fee income ratio

1.4%

Return on assets

2.07%

Branches

Service charge income by quarter

Q2 2026$14K

Q1 2026$13K

Q4 2025$19K

Q3 2025$16K

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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