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

Adams Bank & Trust

Ogallala, NebraskaBankKansas City Fed districtFees collected Oct 8, 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

Gosmart Checking monthly service charge$8Within the typical range ($4–$10 nationally)

$2 above the national median$3 above the Nebraska median

Monthly Maintenance Fee$3

$3 below the national median$2 below the Nebraska median

per month · Source

monthly service charge$6

At the national median$1 above the Nebraska median

per month · Source

Monthly service charge$10

$4 above the national median$5 above the Nebraska median

per month · Source

Monthly Dormant Checking Account Fee$15

$10 above the national median$10 above the Nebraska median

per month · Source

Overdraft & NSFVerified

NSF Paid Item Fee (each)$35Above the typical range ($25–$33 nationally)
$5 above the national median$5 above the Nebraska median
per item · Source
NSF Return Item Fee (each)$35Above the typical range ($25–$32 nationally)
$5 above the national median$5 above the Nebraska median
per item · Source
Daily Overdraft Fee$30Above the typical range ($5–$15 nationally)
$25 above the national median$5 above the Nebraska median
per day · Source

ATM & CardVerified

Replacement of ATM/Visa Card$15Above the typical range ($5–$10 nationally)
$5 above the national median$5 above the Nebraska median
Source

Wire TransfersVerified

Outgoing Wire Transfer$20Within the typical range ($20–$25 nationally)
$5 below the national medianAt the Nebraska median
Source
Incoming Wire Transfer$20Above the typical range ($5–$15 nationally)
$10 above the national median$10 above the Nebraska median
Source

Check ServicesVerified

Stop Payments (each)$30Within the typical range ($20–$30 nationally)
$2.75 above the national median$5 above the Nebraska median
per item · Source

Cash & DepositVerified

Charge Back Fee per Item$7Below the typical range ($8–$25 nationally)
$8 below the national median$8 below the Nebraska median
per item · Source

Account ServicesVerified

Notary Fee$0Within the typical range ($0–$5 nationally)
$2.50 below the national median$5 below the Nebraska median
Source
1 Lost Key$25Below the typical range ($30–$70 nationally)
$20 below the national median$8.75 below the Nebraska median
Source
2 Lost Keys (Drilling Fee)$200Above the typical range ($30–$70 nationally)
$155 above the national median$166.25 above the Nebraska median
Source
Levies and Garnishments$75Within the typical range ($30–$87.50 nationally)
$25 above the national median$40 above the Nebraska median
Source
Account Verification$15Within the typical range ($5–$15 nationally)
$5 above the national median
Source

Lending FeesVerified

30 Day Late Payment Charge$10Within the typical range ($10–$25 nationally)
$10 below the national median$10 below the Nebraska median
Source

Retirement & IRAVerified

IRA Rollover or Transfer Fee$0Below the typical range ($25–$35 nationally)
$25 below the national median
Source

Other FeesVerified

Duplicate Statements per Cycle$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Nebraska median
per month · Source
Photocopies$0.25Below the typical range ($2–$5 nationally)
$2.75 below the national median$2.75 below the Nebraska median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Gosmart Checking monthly service charge	$8Within the typical range ($4–$10 nationally)	$2 above the national median$3 above the Nebraska median	per month	—	Source
Monthly Maintenance Fee	$3Below the typical range ($4–$10 nationally)	$3 below the national median$2 below the Nebraska median	per month	—	Source
monthly service charge	$6Within the typical range ($4–$10 nationally)	At the national median$1 above the Nebraska median	per month	—	Source
Monthly service charge	$10Within the typical range ($4–$10 nationally)	$4 above the national median$5 above the Nebraska median	per month	—	Source
Monthly Dormant Checking Account Fee	$15Above the typical range ($5–$10 nationally)	$10 above the national median$10 above the Nebraska median	per month	—	Source
Overdraft & NSFVerified
NSF Paid Item Fee (each)	$35Above the typical range ($25–$33 nationally)	$5 above the national median$5 above the Nebraska median	per item	—	Source
NSF Return Item Fee (each)	$35
ATM & CardVerified
Replacement of ATM/Visa Card	$15Above the typical range ($5–$10 nationally)	$5 above the national median$5 above the Nebraska median	—	—	Source
Wire TransfersVerified
Outgoing Wire Transfer	$20Within the typical range ($20–$25 nationally)	$5 below the national medianAt the Nebraska median	—	—	Source
Incoming Wire Transfer	$20
Check ServicesVerified
Stop Payments (each)	$30Within the typical range ($20–$30 nationally)	$2.75 above the national median$5 above the Nebraska median	per item	—	Source
Cash & DepositVerified
Charge Back Fee per Item	$7Below the typical range ($8–$25 nationally)	$8 below the national median$8 below the Nebraska median	per item	—	Source
Account ServicesVerified
Notary Fee	$0Within the typical range ($0–$5 nationally)	$2.50 below the national median$5 below the Nebraska median	—	—	Source
1 Lost Key	$25
Lending FeesVerified
30 Day Late Payment Charge	$10Within the typical range ($10–$25 nationally)	$10 below the national median$10 below the Nebraska median	—	—	Source
Retirement & IRAVerified
IRA Rollover or Transfer Fee	$0Below the typical range ($25–$35 nationally)	$25 below the national median	—	—	Source
Other FeesVerified
Duplicate Statements per Cycle	$5Within the typical range ($2–$5 nationally)	$2 above the national median$2 above the Nebraska median	per month	—	Source
Photocopies	$0.25

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

$35

Overdraft fee: $35

17% above the national median overdraft fee

22 verified fees collected

Headline fees published

8 of 15

Published fees

Under review

Assets

$1.3B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$1.3B

Total deposits

$1.1B

Service charge income

$263K

Fee income ratio

1.5%

Return on assets

1.24%

Branches

Service charge income by quarter

Q2 2026$263K

Q1 2026$272K

Q4 2025$263K

Q3 2025$266K

Financial profile · Pro

Performance from regulator filings

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