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 7, 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

Dormant Account Quarterly Fee$5Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Overdraft Fee(s)$25Within the typical range ($25–$33 nationally)
$5 below the national median$5 below the Nebraska median
per item · Source
Overdraft Fee(s) each$25Within the typical range ($25–$33 nationally)
$5 below the national median$5 below the Nebraska median
per item · Source
An NSF Fee(s)$25Within the typical range ($25–$32 nationally)
$5 below the national median$5 below the Nebraska median
per item · Source
NSF Fee(s)$25Within the typical range ($25–$32 nationally)
$5 below the national median$5 below the Nebraska median
per item · Source

ATM & CardVerified

ATM Charge (inquiry, transfer, or withdrawal)$2Within the typical range ($1–$2.25 nationally)
$0.50 above the national medianAt the Nebraska median
Source
Replace lost debit card$5Within the typical range ($5–$10 nationally)
$5 below the national median$5 below the Nebraska median
Source

Wire TransfersVerified

Wire Transfers - Outgoing$15Below the typical range ($20–$25 nationally)
$10 below the national median$5 below the Nebraska median
Source
Wire Transfers - Incoming$15Within the typical range ($5–$15 nationally)
$5 above the national median$5 above the Nebraska median
Source

Check ServicesVerified

Cashier's Check$5Within the typical range ($3–$6 nationally)
At the national medianAt the Nebraska median
Source
Money Order$2Within the typical range ($1.50–$3 nationally)
At the national medianAt the Nebraska median
Source
Stop Payments and "Hot" Card Fee$10Below the typical range ($20–$30 nationally)
$17.50 below the national median$15 below the Nebraska median
Source
Direct check collection fee$5Below the typical range ($10–$25 nationally)
$15 below the national median$13.75 below the Nebraska median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Quarterly Fee	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Nebraska median	per quarter	—	Source
Account Reconciliation	$15Within the typical range ($12–$25 nationally)	$2.50 below the national median$2.50 below the Nebraska median	—	—	Source
Account Research	$20Within the typical range ($12–$25 nationally)	$2.50 above the national median$2.50 above the Nebraska median	per item	—	Source
Overdraft & NSFVerified
Overdraft Fee(s)	$25Within the typical range ($25–$33 nationally)	$5 below the national median$5 below the Nebraska median	per item	—	Source
Overdraft Fee(s) each	$25
ATM & CardVerified
ATM Charge (inquiry, transfer, or withdrawal)	$2Within the typical range ($1–$2.25 nationally)	$0.50 above the national medianAt the Nebraska median	—	—	Source
Replace lost debit card	$5
Wire TransfersVerified
Wire Transfers - Outgoing	$15Below the typical range ($20–$25 nationally)	$10 below the national median$5 below the Nebraska median	—	—	Source
Wire Transfers - Incoming	$15
Check ServicesVerified
Cashier's Check	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Nebraska median	—	—	Source
Money Order	$2
Cash & DepositVerified
Deposited checks return unpaid	$5Below the typical range ($8–$25 nationally)	$10 below the national median$10 below the Nebraska median	—	—	Source
Account ServicesVerified
Garnishment	$20Below the typical range ($30–$89.38 nationally)	$30 below the national median$15 below the Nebraska median	—	—	Source

Against Kansas City Fed district banks

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$25.00
Of 124 others that publish it, 30 lower, 29 the same and 65 higher.

See every headline fee against its local competitors

Fee change alerts

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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

17 verified fees collected

Headline fees published

9 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

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 65,595 published fee entries from 3,603 institutions

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