First State Bank and Trust Company, Inc.

Headquarters: Caruthersville, Missouri
Charter: Bank
Assets: $659.0M
Fed district: St. Louis
Regulator: Federal Reserve
Holding company: First St Bancorp Combined Retirement Benefit Plan

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

Source: its fee schedule, read Oct 17, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · 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 17, 2026

How these figures are measured

Call-report figures are for First State Bank and Trust Company, Inc. 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	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 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 and Trust Company, Inc.'s published fee schedule; Bank Fee Index medians	Current schedule	Oct 17, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First State Bank and Trust Company, Inc. (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $278K in Q2 2026, 7.8% above the same quarter a year earlier ($258K).
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.

NSF / Returned Item
First State Bank and Trust Company, Inc.: $27
First State Bank and Trust Company, Inc.: $27
U.S. median: no median
Non-Network ATM
First State Bank and Trust Company, Inc.: $1.50
First State Bank and Trust Company, Inc.: $1.50
U.S. median: no median
Wire Transfer (Domestic Out)
First State Bank and Trust Company, Inc.: $20
First State Bank and Trust Company, Inc.: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis 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).
Missouri: Banks and credit unions headquartered in Missouri that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 rose 4.1% from Q3 2025 to Q2 2026, to $278K.

Service-charge income, Q2 2026

$278K

$267KQ3 2025

$261KQ4 2025

$255KQ1 2026

$278KQ2 2026

Against the median

First State Bank and Trust Company, Inc.Median

Sources and open questions

FFIEC 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 and Trust Company, Inc. · $659M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 13 states.

Banks only
$643M to $675M in assets
Headquartered in 13 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 and Trust Company, Inc.(this institution)	Caruthersville, MO	$659M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
AbbyBank	Abbotsford, WI	$662M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Carroll Bank and Trust	Huntingdon, TN	$662M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Carver Federal Savings Bank	New York, NY	$658M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
CCB Community Bank	Andalusia, AL	$662M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Classic Bank, National Association	Cameron, TX	$657M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Concordia Bank & Trust Company	Vidalia, LA	$667M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers & Merchants Bank of Colby	Colby, KS	$651M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Eagle Bank	Chicago, IL	$650M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Hope Bank, A National Banking Association	Hope, NJ	$657M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
High Plains Bank	Flagler, CO	$643M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Home Federal Bank	Shreveport, LA	$644M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Homeland Federal Savings Bank	Columbia, LA	$658M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Legence Bank	Eldorado, IL	$643M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Metairie Bank & Trust Company	Metairie, LA	$666M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Modern Bank, National Association	New York, NY	$649M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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
Peoples Bank & Trust	Pana, IL	$657M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
PS Bank	Wyalusing, PA	$675M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Stockmens Bank	Colorado Springs, CO	$651M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Tescott	Tescott, KS	$648M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Poca Valley Bank, Inc.	Walton, WV	$666M	Publishes Monthly maintenance	Publishes Out-of-network ATM	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
Walpole Co-operative Bank	Walpole, MA	$646M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Worthington Bank	Arlington, TX	$655M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

First State Bank and Trust Company, Inc. does not publish a monthly maintenance fee in the index.

The peer median is $9.50 among 17 publishing peers.

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

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

First State Bank and Trust Company, Inc. does not publish a monthly maintenance fee, so it is not on this chart.

First State Bank and Trus…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 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 and Trust Company, Inc. (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: $278K
vs prior quarter: +$23K+9.0%; from Q1 2026
vs a year earlier: +$20K+7.8%; from Q2 2025
vs start of range: +$2K+0.7%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First State Bank and Trust Company, Inc. (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$278K	+$23K	+9.0%
Q1 2026	$255K	−$6K	−2.3%
Q4 2025	$261K	−$6K	−2.2%
Q3 2025	$267K	+$9K	+3.5%
Q2 2025	$258K	−$1K	−0.4%
Q1 2025	$259K	−$8K	−3.0%
Q4 2024	$267K	−$9K	−3.3%
Q3 2024	$276K	+$37K	+15.5%

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 and Trust Company, Inc.’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee - DDA accounts with no activity for 365 days and savings accounts with no activity for 545 days$6
per month
Account Balancing Assistance$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Non-Sufficient Funds (each)$27
per item
Sustained Overdraft Fee - For consumers, the maximum number of chargeable overdrafts per day is six$5
per day

ATM & Card

Non-Network ATM$1.50
per item
Replacement Personalized Card$10
Replacement Stock Design Card$5

Wire Transfers

Wire Transfers: Domestic Outgoing$20
Wire Transfers: Incoming$15
Wire Transfers: Foreign Outgoing$80

Check Services

Stop Payment: Each item$25
per item
Counter Checks$0.25
per item
Copy of Canceled Check or other items$1

Digital & Electronic

Cash Management Same Day ACH Fee$15
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Charge Back Fee$5
per item

Account Services

Notary Fee$2

Other Fees

Copy of Statement$5
Photocopies$0.30
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee - DDA accounts with no activity for 365 days and savings accounts with no activity for 545 days	$6	per month	None
Account Balancing Assistance	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Non-Sufficient Funds (each)	$27	per item	None
Sustained Overdraft Fee - For consumers, the maximum number of chargeable overdrafts per day is six	$5	per day	None
ATM & Card
Non-Network ATM	$1.50	per item	None
Replacement Personalized Card	$10	Not stated	None
Replacement Stock Design Card	$5	Not stated	None
Wire Transfers
Wire Transfers: Domestic Outgoing	$20	Not stated	None
Wire Transfers: Incoming	$15	Not stated	None
Wire Transfers: Foreign Outgoing	$80	Not stated	None
Check Services
Stop Payment: Each item	$25	per item	None
Counter Checks	$0.25	per item	None
Copy of Canceled Check or other items	$1	Not stated	None
Digital & Electronic
Cash Management Same Day ACH Fee	$15Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Charge Back Fee	$5	per item	None
Account Services
Notary Fee	$2	Not stated	None
Other Fees
Copy of Statement	$5	Not stated	None
Photocopies	$0.30	per item	None

Correct a fee source

Oct 17, 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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