First State Bank of Livingston

Headquarters: Livingston, Texas
Charter: Bank
Assets: $689.3M
Fed district: Dallas
Regulator: Federal Reserve
Holding company: East Texas Bancshares Inc.

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 3, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 3, 2026

How these figures are measured

Call-report figures are for First State Bank of Livingston at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First State Bank of Livingston's published fee schedule; Bank Fee Index medians	Current schedule	Oct 3, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: First State Bank of Livingston (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $468K in Q2 2026, about level with the same quarter a year earlier ($470K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
PREFERRED ACCOUNT
First State Bank of Livingston: $5
First State Bank of Livingston: $5
U.S. median: no median
Overdraft (OD)
First State Bank of Livingston: $30
First State Bank of Livingston: $30
U.S. median: no median
NSF / Returned Item
First State Bank of Livingston: $30
First State Bank of Livingston: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 3.3% from Q3 2025 to Q2 2026, to $468K.

Service-charge income, Q2 2026

$468K

$484KQ3 2025

$500KQ4 2025

$489KQ1 2026

$468KQ2 2026

Against the median

First State Bank of LivingstonMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

First State Bank of Livingston · $689M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$668M to $710M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First State Bank of Livingston(this institution)	Livingston, TX	$689M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
BankOrion	Orion, IL	$688M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Capital Bank	Jacinto City, TX	$690M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens National Bank	Cameron, TX	$692M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Constitution Bank, National Association	Hillsboro, IL	$683M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Eagle Bank	Everett, MA	$709M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Farmers Bank	Buhl, ID	$678M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Finance Factors, Ltd.	Honolulu, HI	$684M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Bank	Burkburnett, TX	$704M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Community Bank of Central Alabama	Wetumpka, AL	$694M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Savings Bank	Rochester, IN	$687M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
FirstBank	Antlers, OK	$684M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Geddes Federal Savings and Loan Association	Syracuse, NY	$686M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Henderson State Bank	Henderson, NE	$678M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Legacy Bank	Hinton, OK	$686M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
New Tripoli Bank	New Tripoli, PA	$674M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pennian Bank	Mifflintown, PA	$668M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
PS Bank	Wyalusing, PA	$675M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Putnam County Bank	Hurricane, WV	$704M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Springs Valley Bank & Trust Company	French Lick, IN	$675M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Citizens National Bank of Somerset	Somerset, KY	$701M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Hardin County Bank	Savannah, TN	$677M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Stephenson National Bank and Trust	Marinette, WI	$677M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
TXN Bank	Hondo, TX	$669M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union Bank	Mena, AR	$710M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Yampa Valley Bank	Steamboat Springs, CO	$688M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3 (38%) below the median of similar-sized banks.

Compared at $5, the middle of its two prices, against a peer median of $8 among 15 publishing peers.

Its two checking prices are $5 and $5.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

First State Bank of Livin…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First State Bank of Livingston (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $468K
vs prior quarter: −$21K−4.3%; from Q1 2026
vs a year earlier: −$2K−0.4%; from Q2 2025
vs start of range: −$77K−14.1%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: First State Bank of Livingston (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$468K	−$21K	−4.3%
Q1 2026	$489K	−$11K	−2.2%
Q4 2025	$500K	+$16K	+3.3%
Q3 2025	$484K	+$14K	+3.0%
Q2 2025	$470K	−$29K	−5.8%
Q1 2025	$499K	−$19K	−3.7%
Q4 2024	$518K	−$27K	−5.0%
Q3 2024	$545K	+$13K	+2.4%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First State Bank of Livingston’s own schedules, with a source for each figure.

Account Maintenance

Maintenance fee$5
per month
Monthly Maintenance$5
per month
Minimum Balance$8
per month
Account Closed within 90 days of opening$25
Inactive Account fee$5
per month
Account research$20
Not compared: Charged per hour; comparison unavailable
per hour
Account research CD ROM fee$25
Not compared: CD/IRA fee
Excess withdrawal fee$1
per item
Excess withdrawal fee$5
per item

Overdraft & NSF

Overdraft - each overdraft paid$30
per item
Nonsufficient funds (NSF)$30
per item

ATM & Card

Replace lost ATM or Debit Card$10
per item

Wire Transfers

Transaction limitations: Foreign wire transfers - Outgoing$45

Check Services

Cashier’s checks$4
Money orders$2
Service fee Escheatment fee money orders$3
Not compared: Monthly charge, not per item
per month
Stop payments$25
Temporary checks$0.40

Cash & Deposit

Charge Back Return Item Fee$3

Account Services

Safe Deposit Box 10 x 10$60
per year
Safe Deposit Box 3 x 10$30
per year
Safe Deposit Box 3 x 5$20
per year
Safe Deposit Box 5 x 10$45
per year
Garnishments$50
Levies$50

Retirement & IRA

IRA transfer subject$10

Other Fees

Fax$1.50
per item
Photocopies Per statement$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee	$5	per month	None
Monthly Maintenance	$5	per month	None
Minimum Balance	$8	per month	None
Account Closed within 90 days of opening	$25	Not stated	None
Inactive Account fee	$5	per month	None
Account research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account research CD ROM fee	$25Not compared: CD/IRA fee	Not stated	None
Excess withdrawal fee	$1	per item	None
Excess withdrawal fee	$5	per item	None
Overdraft & NSF
Overdraft - each overdraft paid	$30	per item	None
Nonsufficient funds (NSF)	$30	per item	None
ATM & Card
Replace lost ATM or Debit Card	$10	per item	None
Wire Transfers
Transaction limitations: Foreign wire transfers - Outgoing	$45	Not stated	None
Check Services
Cashier’s checks	$4	Not stated	None
Money orders	$2	Not stated	None
Service fee Escheatment fee money orders	$3Not compared: Monthly charge, not per item	per month	None
Stop payments	$25	Not stated	None
Temporary checks	$0.40	Not stated	None
Cash & Deposit
Charge Back Return Item Fee	$3	Not stated	None
Account Services
Safe Deposit Box 10 x 10	$60	per year	None
Safe Deposit Box 3 x 10	$30	per year	None
Safe Deposit Box 3 x 5	$20	per year	None
Safe Deposit Box 5 x 10	$45	per year	None
Garnishments	$50	Not stated	None
Levies	$50	Not stated	None
Retirement & IRA
IRA transfer subject	$10	Not stated	None
Other Fees
Fax	$1.50	per item	None
Photocopies Per statement	$5	per item	None

Correct a fee source

Oct 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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