Compared with Missouri
5 of 14
compared fees are above the median.
7 below, 2 about the same.
About the same: within 1% of the median.
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
76th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Missouri median
of 14 compared; 7 below, 2 about the same
See the feesFee schedule read Oct 17, 2026
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) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Missouri median | Published fees above the Missouri 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
Service charges were 3.5% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (76th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
5 of 14 compared published fees sit above the Missouri median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Missouri medians for fees published by banks and credit unions.
Non-Network ATM
NSF / Returned Item
Wire Transfer (Domestic Out)
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.
Service-charge income rose 4.1% from Q3 2025 to Q2 2026, to $278K. Its share of revenue, 3.5%, is above the 2.1% median for banks with $300M to $1B in assets.
$278K
First State Bank and Trust Company, Inc.Median
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for First State Bank and Trust Company, Inc. (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, First State Bank and Trust Company, Inc. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First State Bank and Trust Company, Inc. by share.
Amounts from First State Bank and Trust Company, Inc.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per month
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 | $6Inside the U.S. middle 50% ($5 to $10 nationally) | 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) | $27Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Sustained Overdraft Fee - For consumers, the maximum number of chargeable overdrafts per day is six | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Non-Network ATM | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement Personalized Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Stock Design Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Domestic Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: Foreign Outgoing | $80Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Payment: Each item | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks | $0.25Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Copy of Canceled Check or other items | $1Below the U.S. middle 50% ($2 to $5 nationally) | 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 | $5Below the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Fee | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies | $0.30Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
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.
Where First State Bank and Trust Company, Inc. operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state, $558.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 7 | $558.7M |
Largest competitors nearby
Local market: Pemiscot, Scott and New Madrid counties, MO, where it holds the most deposits.
| 13 in its local market | Deposit share |
|---|---|
| Montgomery Bank | 17.1% |
| The Bank of Missouri | 9.8% |
| Southern Bank | 8.8% |
| Focus Bank | 8.1% |
| Alliance Bank | 6.8% |
This bank holds 24.6% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.