Sample — Competitive Fee Position Report
Yours is built for your institution and your peer set, delivered in 48 hours. The report below was prepared for a real ~$400M community bank; only the client is anonymized, shown as Sample Community Bank. The eight peers are named — their fee schedules are public disclosures — and every figure is real, drawn from published fee schedules and public Call Reports.
Competitive Fee Position Report — $300, delivered in 48 hours.
In brief
$33 vs $15
your NSF fee vs peer median
Your NSF fee is an extreme outlier.
At $33.00, your returned-item fee is 2.2x the $15.00 median of 34 peer banks — the 88th percentile, flagged as an extreme outlier, and $18 over the typical peer. A quarter of the cohort now charges $6.25 or less as the industry retreats from NSF under regulatory scrutiny. This is the single most conspicuous line on your schedule, made more so by how generously you price everything around it.
$1 vs $30
overdraft fee vs peer median
You have one of the friendliest overdraft postures in your cohort — untold.
A $1 overdraft fee against a $30 median (8th percentile, 12 peers), monthly maintenance waived against a $12 median (13th percentile, 15 peers), and no minimum balance fee. These are the exact lines regulators praise and customers compare — and they are competitive advantages currently generating zero marketing value.
$25 vs $15
outgoing domestic wire vs median
You carry quiet premiums on exception activity.
Outgoing domestic wires ($25 vs a $15 median, 83rd percentile), deposited item returns ($18 vs $12, 80th percentile), and paper statements ($5 vs $3.58, 100th percentile) each run above the cohort. Individually small, together they put your exception-fee stack near the top of the market — the opposite of the story your overdraft and maintenance pricing tells.
Net position: Sample Community Bank runs the most bifurcated schedule in this analysis. On one side, a $1 overdraft fee, waived monthly maintenance, and no minimum balance fee place it among the most customer-friendly banks in its 76-bank cohort. On the other, a $33 NSF fee flagged as an extreme outlier — more than double the peer median — plus top-quartile wires, deposited item returns, and paper statements. The incoherence is the exposure: the same bounced item costs $1 if paid and $33 if returned. Resolving that contradiction, and then marketing the customer-friendly side, is the agenda for a one-hour pricing conversation.
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