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

State Bank of Scotia

Scotia, 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

Account Reconciliation (Waived if bank error)$15Below the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=account_research; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Account Reconciliation (Waived if bank error) | $15.00/hour" · Source

Account Research$20

$5 below the national median

Dormant Account Quarterly Fee$5

At the national median

Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=dormant_account; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Dormant Account Quarterly Fee* | $5.00" · Source

Overdraft & NSFVerified

An NSF Fee(s) of$25Within the typical range ($25–$31 nationally)
$5 below the national median
per item · Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=nsf; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="***An NSF Fee(s) of $25.00 per item" · Source
An overdraft Fee(s) of$25Within the typical range ($25–$31 nationally)
$5 below the national median
per item · Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=overdraft; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="**An overdraft Fee(s) of $25.00 per item" · Source
NSF Fee(s) each$25Within the typical range ($25–$31 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=nsf; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="NSF Fee(s) each*** | $25.00" · Source
Overdraft Fee(s) each$25Within the typical range ($25–$31 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=overdraft; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Overdraft Fee(s) each** | $25.00" · Source

ATM & CardVerified

Replace lost debit card$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=card_replacement; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Replace lost debit card | $5.00" · Source

Wire TransfersVerified

Wire Transfers - Incoming$15Within the typical range ($5–$15 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=wire_domestic_incoming; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Wire Transfers - Incoming | $15.00" · Source
Wire Transfers - Outgoing$15Below the typical range ($20–$25 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=wire_domestic_outgoing; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Wire Transfers - Outgoing | $15.00" · Source

Check ServicesVerified

Cashier's Check$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=cashiers_check; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Cashier's Check | $5.00" · Source
Money Order$2Within the typical range ($1.75–$3 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=money_order; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Money Order | $2.00" · Source
Stop Payments and "Hot" Card Fee$10Below the typical range ($20–$30 nationally)
$15.50 below the national median
Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=stop_payment; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Stop Payments and "Hot" Card Fee | $10.00" · Source

Cash & DepositVerified

Deposited checks return unpaid$5Below the typical range ($10–$25 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=deposited_item_return; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Deposited checks return unpaid | $5.00" · Source

Account ServicesVerified

Garnishment$20Below the typical range ($30–$75 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=garnishment_levy; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Garnishment | $20.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation (Waived if bank error)	$15Below the typical range ($17.50–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=account_research; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Account Reconciliation (Waived if bank error) \| $15.00/hour"	Source
Account Research	$20Within the typical range ($17.50–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=account_research; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Account Research \| $20.00/hour + $.50 per page"	Source
Dormant Account Quarterly Fee	$5Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=dormant_account; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Dormant Account Quarterly Fee* \| $5.00"	Source
Overdraft & NSFVerified
An NSF Fee(s) of	$25Within the typical range ($25–$31 nationally)	$5 below the national median	per item	Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=nsf; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="***An NSF Fee(s) of $25.00 per item"	Source
An overdraft Fee(s) of	$25
ATM & CardVerified
Replace lost debit card	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=card_replacement; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Replace lost debit card \| $5.00"	Source
Wire TransfersVerified
Wire Transfers - Incoming	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=wire_domestic_incoming; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Wire Transfers - Incoming \| $15.00"	Source
Wire Transfers - Outgoing
Check ServicesVerified
Cashier's Check	$5Within the typical range ($3–$6 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=cashiers_check; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Cashier's Check \| $5.00"	Source
Money Order	$2
Cash & DepositVerified
Deposited checks return unpaid	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=deposited_item_return; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Deposited checks return unpaid \| $5.00"	Source
Account ServicesVerified
Garnishment	$20Below the typical range ($30–$75 nationally)	$30 below the national median	—	Knox deterministic extraction from Rosetta artifact #2128. canonical_hint=garnishment_levy; text_hash=552aba276e589dc887e654ce571a5dda26366c7b5d548e5cbae27341e6e6789c; excerpt="Garnishment \| $20.00"	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.

Overdraft

$25

Overdraft fee: $25

17% below the national median overdraft fee

Total fees: 15 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$61.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$61.0M

Total deposits

$48.6M

Service charge income

$9K

Fee income ratio

2.5%

Return on assets

0.27%

Branches

Service charge income by quarter

Q2 2026$9K

Q1 2026$10K

Q4 2025$9K

Q3 2025$15K

Financial profile · Pro

Performance from regulator filings

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