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

Brazos National Bank

Richwood, TexasBankDallas Fed districtFees collected Aug 23, 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

Minimum balance to avoid imposition of fees – A low balance fee of$6.95Within the typical range ($5–$20 nationally)

Knox deterministic extraction from Rosetta artifact #38. canonical_hint=minimum_balance; text_hash=fbaf0cdd9e0dddcea688200c36858baef37a5643386706cd3e55b5dd91950081; excerpt="Minimum balance to avoid imposition of fees – A low balance fee of $6.95 will be imposed every statement cycle if the balance in the account falls below $200.00 any day of the cycl" · Source

Minimum balance to avoid imposition of fees – A maintenance fee of$10

$1.50 above the national median

Knox deterministic extraction from Rosetta artifact #38. canonical_hint=monthly_maintenance; text_hash=fbaf0cdd9e0dddcea688200c36858baef37a5643386706cd3e55b5dd91950081; excerpt="Minimum balance to avoid imposition of fees – A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $900.00 any day of the cyc" · Source

Overdraft & NSFVerified

Nonsufficient funds created by check, in person withdrawal, ATM withdrawal, or other electronic means –$25Within the typical range ($15–$30 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #38. canonical_hint=nsf; text_hash=fbaf0cdd9e0dddcea688200c36858baef37a5643386706cd3e55b5dd91950081; excerpt="Nonsufficient funds created by check, in person withdrawal, ATM withdrawal, or other electronic means – $25.00 each" · Source
transfer funds from overdraft protection line of credit to checking account(s) with an ATM card there is a charge of$1Below the typical range ($3–$6.88 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #38. canonical_hint=od_protection_transfer; text_hash=fbaf0cdd9e0dddcea688200c36858baef37a5643386706cd3e55b5dd91950081; excerpt="transfer funds from overdraft protection line of credit to checking account(s) with an ATM card there is a charge of $1.00 per transfer at ATMs we do not own or operate" · Source

ATM & CardVerified

transfer funds from savings to checking account(s) with an ATM card there is a charge of$1Within the typical range ($1–$4.99 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #38. canonical_hint=atm_non_network; text_hash=fbaf0cdd9e0dddcea688200c36858baef37a5643386706cd3e55b5dd91950081; excerpt="transfer funds from savings to checking account(s) with an ATM card there is a charge of $1.00 per transfer at ATMs we do not own or operate" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Minimum balance to avoid imposition of fees – A low balance fee of	$6.95Within the typical range ($5–$20 nationally)	$1.20 above the national median	—	Knox deterministic extraction from Rosetta artifact #38. canonical_hint=minimum_balance; text_hash=fbaf0cdd9e0dddcea688200c36858baef37a5643386706cd3e55b5dd91950081; excerpt="Minimum balance to avoid imposition of fees – A low balance fee of $6.95 will be imposed every statement cycle if the balance in the account falls below $200.00 any day of the cycl"	Source
Minimum balance to avoid imposition of fees – A maintenance fee of	$10Within the typical range ($5–$17.50 nationally)	$1.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #38. canonical_hint=monthly_maintenance; text_hash=fbaf0cdd9e0dddcea688200c36858baef37a5643386706cd3e55b5dd91950081; excerpt="Minimum balance to avoid imposition of fees – A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $900.00 any day of the cyc"	Source
Overdraft & NSFVerified
Nonsufficient funds created by check, in person withdrawal, ATM withdrawal, or other electronic means –	$25Within the typical range ($15–$30 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #38. canonical_hint=nsf; text_hash=fbaf0cdd9e0dddcea688200c36858baef37a5643386706cd3e55b5dd91950081; excerpt="Nonsufficient funds created by check, in person withdrawal, ATM withdrawal, or other electronic means – $25.00 each"	Source

ATM & CardVerified
transfer funds from savings to checking account(s) with an ATM card there is a charge of	$1Within the typical range ($1–$4.99 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #38. canonical_hint=atm_non_network; text_hash=fbaf0cdd9e0dddcea688200c36858baef37a5643386706cd3e55b5dd91950081; excerpt="transfer funds from savings to checking account(s) with an ATM card there is a charge of $1.00 per transfer at ATMs we do not own or operate"	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

NSF fee is aligned with the national median

Total fees: 5 — leaner than most institutions

Verified fees

Under review

Assets

$27.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$27.6M

Total deposits

$11.1M

Service charge income

$9K

Fee income ratio

0.65%

Return on assets

1.97%

Branches

Service charge income by quarter

Q2 2026$9K

Q1 2026$8K

Q4 2025$7K

Q3 2025$6K

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 6,610 verified fees from 1,539 institutions

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