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 in Temple

Temple, 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 | semi-annually$3Below the typical range ($5–$10 nationally)

per year · Knox deterministic extraction from Rosetta artifact #3275. canonical_hint=dormant_account; text_hash=2b70f00958e4f6c3269b88bde7c5f28ca4d9f152afeec6169b7c3a19e49cec5c; excerpt="Dormant Account Fee | semi-annually $3.00" · Source

Overdraft & NSFVerified

Returned Checks (NSF)$25Within the typical range ($25–$32 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #3275. canonical_hint=nsf; text_hash=2b70f00958e4f6c3269b88bde7c5f28ca4d9f152afeec6169b7c3a19e49cec5c; excerpt="Returned Checks (NSF) | $25.00" · Source

ATM & CardVerified

Replacement Pin Number – each$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #3275. canonical_hint=card_replacement; text_hash=2b70f00958e4f6c3269b88bde7c5f28ca4d9f152afeec6169b7c3a19e49cec5c; excerpt="Replacement Pin Number – each | $5.00" · Source

Check ServicesVerified

Check Cashing-Non-Customer$1Below the typical range ($5–$10 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #3275. canonical_hint=check_cashing; text_hash=2b70f00958e4f6c3269b88bde7c5f28ca4d9f152afeec6169b7c3a19e49cec5c; excerpt="Check Cashing-Non-Customer | $1.00/$100" · Source
Stop Payment Renewal$20Within the typical range ($20–$30 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #3275. canonical_hint=stop_payment; text_hash=2b70f00958e4f6c3269b88bde7c5f28ca4d9f152afeec6169b7c3a19e49cec5c; excerpt="Stop Payment Renewal | $20.00" · Source

Account ServicesVerified

Safe Deposit Box – 3 X 5 – annually$10Below the typical range ($25–$80 nationally)
$30 below the national median
per year · Knox deterministic extraction from Rosetta artifact #3275. canonical_hint=safe_deposit_box; text_hash=2b70f00958e4f6c3269b88bde7c5f28ca4d9f152afeec6169b7c3a19e49cec5c; excerpt="Safe Deposit Box – 3 X 5 – annually | $10.00" · Source
Safe Deposit Box – 5 x 10 – annually$20Below the typical range ($25–$80 nationally)
$20 below the national median
per year · Knox deterministic extraction from Rosetta artifact #3275. canonical_hint=safe_deposit_box; text_hash=2b70f00958e4f6c3269b88bde7c5f28ca4d9f152afeec6169b7c3a19e49cec5c; excerpt="Safe Deposit Box – 5 x 10 – annually | $20.00" · Source
Safe Deposit Box – 7 x 10 – annually$24Below the typical range ($25–$80 nationally)
$16 below the national median
per year · Knox deterministic extraction from Rosetta artifact #3275. canonical_hint=safe_deposit_box; text_hash=2b70f00958e4f6c3269b88bde7c5f28ca4d9f152afeec6169b7c3a19e49cec5c; excerpt="Safe Deposit Box – 7 x 10 – annually | $24.00" · Source
Safe Deposit Box Replacement Key$25Within the typical range ($25–$80 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #3275. canonical_hint=safe_deposit_box; text_hash=2b70f00958e4f6c3269b88bde7c5f28ca4d9f152afeec6169b7c3a19e49cec5c; excerpt="Safe Deposit Box Replacement Key | $25.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Fee \| semi-annually	$3Below the typical range ($5–$10 nationally)	$2 below the national median	per year	Knox deterministic extraction from Rosetta artifact #3275. canonical_hint=dormant_account; text_hash=2b70f00958e4f6c3269b88bde7c5f28ca4d9f152afeec6169b7c3a19e49cec5c; excerpt="Dormant Account Fee \| semi-annually $3.00"	Source
Overdraft & NSFVerified
Returned Checks (NSF)	$25Within the typical range ($25–$32 nationally)	$4 below the national median	—	Knox deterministic extraction from Rosetta artifact #3275. canonical_hint=nsf; text_hash=2b70f00958e4f6c3269b88bde7c5f28ca4d9f152afeec6169b7c3a19e49cec5c; excerpt="Returned Checks (NSF) \| $25.00"	Source
ATM & CardVerified
Replacement Pin Number – each	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #3275. canonical_hint=card_replacement; text_hash=2b70f00958e4f6c3269b88bde7c5f28ca4d9f152afeec6169b7c3a19e49cec5c; excerpt="Replacement Pin Number – each \| $5.00"	Source
Check ServicesVerified
Check Cashing-Non-Customer	$1Below the typical range ($5–$10 nationally)	$4 below the national median	—	Knox deterministic extraction from Rosetta artifact #3275. canonical_hint=check_cashing; text_hash=2b70f00958e4f6c3269b88bde7c5f28ca4d9f152afeec6169b7c3a19e49cec5c; excerpt="Check Cashing-Non-Customer \| $1.00/$100"	Source
Stop Payment Renewal	$20
Account ServicesVerified
Safe Deposit Box – 3 X 5 – annually	$10Below the typical range ($25–$80 nationally)	$30 below the national median	per year	Knox deterministic extraction from Rosetta artifact #3275. canonical_hint=safe_deposit_box; text_hash=2b70f00958e4f6c3269b88bde7c5f28ca4d9f152afeec6169b7c3a19e49cec5c; excerpt="Safe Deposit Box – 3 X 5 – annually \| $10.00"	Source
Safe Deposit Box – 5 x 10 – annually

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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: 9 — leaner than most institutions

Verified fees

Under review

Assets

$26.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$26.4M

Total deposits

$21.5M

Service charge income

$3K

Fee income ratio

1.3%

Return on assets

1.16%

Branches

Service charge income by quarter

Q2 2026$3K

Q1 2026$3K

Q4 2025$4K

Q3 2025$5K

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 20,792 verified fees from 2,117 institutions

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