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, $1B to $10B

Citizens National Bank of Texas

Waxahachie, TexasBankDallas Fed districtFees collected Mar 17, 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$25Within the typical range ($17.50–$25 nationally)

per year · Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=account_research; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="Account balancing assistance .................$25.00 per hour ($12.50 minimum) | balance will be _______% with an annual percentage yield of _____%." · Source

Account research$25

At the national median

Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=account_research; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="Account research ................................$25.00 per hour (one hour minimum)" · Source

Return mail due to non-notification$5

$20 below the national median

Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=account_research; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="Return mail due to non-notification ........................................................$5.00" · Source

We believe a check you deposit will not be paid. | An early closing fee of$25

$10 above the national median

Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=early_closure; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="We believe a check you deposit will not be paid. | An early closing fee of $25.00 will be charged if you close your account" · Source

Overdraft & NSFVerified

Overdraft - each overdraft paid$28Within the typical range ($25–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=overdraft; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="Overdraft - each overdraft paid............................................................$28.00" · Source
Returned check charge$28Within the typical range ($25–$31 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=nsf; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="Returned check charge........................................................................$28.00" · Source

ATM & CardVerified

ATM/Debit Card Issue Fee$3Above the typical range ($1–$2.50 nationally)
$1.50 above the national median
Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=atm_non_network; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="ATM/Debit Card Issue Fee ...................................................................$3.00 | —————————————" · Source

Check ServicesVerified

Stop payments - each$28Within the typical range ($20–$30 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=stop_payment; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="Stop payments - each..........................................................................$28.00" · Source

Cash & DepositVerified

Deposited item returned$5Below the typical range ($9–$25 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=deposited_item_return; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="Deposited item returned ........................................................................$5.00 | □" · Source

Account ServicesVerified

Garnishments or levies$150Above the typical range ($30–$75 nationally)
$100 above the national median
Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=garnishment_levy; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="Garnishments or levies ......................................................................$150.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account balancing assistance	$25Within the typical range ($17.50–$25 nationally)	At the national median	per year	Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=account_research; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="Account balancing assistance .................$25.00 per hour ($12.50 minimum) \| balance will be _______% with an annual percentage yield of _____%."	Source
Account research	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=account_research; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="Account research ................................$25.00 per hour (one hour minimum)"	Source
Return mail due to non-notification	$5Below the typical range ($17.50–$25 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=account_research; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="Return mail due to non-notification ........................................................$5.00"	Source
We believe a check you deposit will not be paid. \| An early closing fee of	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=early_closure; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="We believe a check you deposit will not be paid. \| An early closing fee of $25.00 will be charged if you close your account"	Source
Overdraft & NSFVerified
Overdraft - each overdraft paid	$28Within the typical range ($25–$30 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=overdraft; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="Overdraft - each overdraft paid............................................................$28.00"	Source
Returned check charge
ATM & CardVerified
ATM/Debit Card Issue Fee	$3Above the typical range ($1–$2.50 nationally)	$1.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=atm_non_network; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="ATM/Debit Card Issue Fee ...................................................................$3.00 \| —————————————"	Source
Check ServicesVerified
Stop payments - each	$28Within the typical range ($20–$30 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=stop_payment; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="Stop payments - each..........................................................................$28.00"	Source
Cash & DepositVerified
Deposited item returned	$5Below the typical range ($9–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=deposited_item_return; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="Deposited item returned ........................................................................$5.00 \| □"	Source
Account ServicesVerified
Garnishments or levies	$150Above the typical range ($30–$75 nationally)	$100 above the national median	—	Knox deterministic extraction from Rosetta artifact #6524. canonical_hint=garnishment_levy; text_hash=2cb73a7181254addb2851e633707d3cac4183b38c83663f07690118af09bf849; excerpt="Garnishments or levies ......................................................................$150.00"	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

$28

Overdraft fee: $28

7% below the national median overdraft fee

Total fees: 10 — leaner than most institutions

Published fees

Under review

Assets

$2.2B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$2.2B

Total deposits

$1.9B

Service charge income

$1.1M

Fee income ratio

3.4%

Return on assets

2.83%

Branches

Service charge income by quarter

Q2 2026$1.1M

Q1 2026$921K

Q4 2025$922K

Q3 2025$984K

Financial profile · Pro

Performance from regulator filings

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