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, $300M to $1B

First State Bank of Middlebury

Middlebury, IndianaBankChicago 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

Monthly service fee$2.49Below the typical range ($4–$10 nationally)

Monthly service fee$7

$1 above the national median$0.25 below the Indiana median

per month · Source

Study B Checking Monthly service fee$5.49

$0.51 below the national median$1.76 below the Indiana median

per month · Source

Monthly fee for paper statements$5.49

$2.49 above the national median$2.49 above the Indiana median

per month · Source

Overdraft & NSFVerified

Overdraft fee$10Below the typical range ($25–$33 nationally)
$20 below the national median$20 below the Indiana median
per item · Source
Reduced overdraft fees, just$10Below the typical range ($25–$33 nationally)
$20 below the national median$20 below the Indiana median
per item · Source

Check ServicesVerified

Cashiers checks$0Below the typical range ($3–$6 nationally)
$5 below the national median$5 below the Indiana median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Monthly service fee	$2.49Below the typical range ($4–$10 nationally)	$3.51 below the national median$4.76 below the Indiana median	per month	—	Source
Monthly service fee	$7Within the typical range ($4–$10 nationally)	$1 above the national median$0.25 below the Indiana median	per month	—	Source
Study B Checking Monthly service fee	$5.49Within the typical range ($4–$10 nationally)	$0.51 below the national median$1.76 below the Indiana median	per month	—	Source
Monthly fee for paper statements	$5.49Above the typical range ($2–$4.76 nationally)	$2.49 above the national median$2.49 above the Indiana median	per month	—	Source
Overdraft & NSFVerified
Overdraft fee	$10Below the typical range ($25–$33 nationally)	$20 below the national median$20 below the Indiana median	per item	—	Source
Reduced overdraft fees, just	$10
Check ServicesVerified
Cashiers checks	$0Below the typical range ($3–$6 nationally)	$5 below the national median$5 below the Indiana median	per item	—	Source

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

$10

Overdraft fee: $10

67% below the national median overdraft fee

7 verified fees collected

Headline fees published

4 of 15

Published fees

Under review

Assets

$836.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$836.2M

Total deposits

$651.3M

Service charge income

$226K

Fee income ratio

2.3%

Return on assets

1.63%

Branches

Service charge income by quarter

Q2 2026$226K

Q1 2026$218K

Q4 2025$228K

Q3 2025$261K

Financial profile · Pro

Performance from regulator filings

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Based on 65,682 published fee entries from 3,608 institutions

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