State Bank Financial

Headquarters: La Crosse, Wisconsin
Charter: Bank
Assets: $512.1M
Fed district: Minneapolis
Regulator: Federal Reserve
Holding company: First Bancorp Inc.

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

Source: its fee schedule, read Oct 9, 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 9, 2026

How these figures are measured

Call-report figures are for State Bank Financial 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.	State Bank Financial's published fee schedule; Bank Fee Index medians	Current schedule	Oct 9, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: State Bank Financial (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 $75K in Q2 2026, 7.4% below the same quarter a year earlier ($81K).
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.

Overdraft (OD)
State Bank Financial: $30
State Bank Financial: $30
U.S. median: no median
Non-Network ATM
State Bank Financial: $1.50
State Bank Financial: $1.50
U.S. median: no median
Wire Transfer (Domestic Out)
State Bank Financial: $20
State Bank Financial: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Minneapolis 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).
Wisconsin: Banks and credit unions headquartered in Wisconsin that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 5.1% from Q3 2025 to Q2 2026, to $75K.

Service-charge income, Q2 2026

$75K

$79KQ3 2025

$80KQ4 2025

$77KQ1 2026

$75KQ2 2026

Against the median

State Bank FinancialMedian

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

State Bank Financial · $512M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$495M to $530M in assets
Headquartered in 18 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
State Bank Financial(this institution)	La Crosse, WI	$512M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ambler Savings Bank	Ambler, PA	$502M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Colonial Savings, F.A.	Fort Worth, TX	$502M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Coulee Bank	La Crosse, WI	$524M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cross County Savings Bank	Middle Village, NY	$525M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Eagle Bank and Trust Company	Little Rock, AR	$506M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Enterprise Bank	Allison Park, PA	$525M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Citizens State Bank	Whitewater, WI	$525M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Robinson Savings Bank, National Association	Robinson, IL	$512M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First State Bank	Wrens, GA	$513M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First State Bank and Trust	Tonganoxie, KS	$515M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank and Trust	Bayport, MN	$499M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
FirstBank of Nebraska	Wahoo, NE	$498M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grinnell State Bank	Grinnell, IA	$499M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grundy Bank	Morris, IL	$505M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lake Elmo Bank	Lake Elmo, MN	$530M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mega Bank	San Gabriel, CA	$507M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Merchants Commercial Bank	St Thomas, VI	$506M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River City Bank, Inc.	Louisville, KY	$495M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Shamrock Bank, N.A.	Coalgate, OK	$501M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Advance	Advance, MO	$510M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Callaway Bank	Fulton, MO	$512M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Napoleon State Bank	Napoleon, IN	$499M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Peoples State Bank	Ellettsville, IN	$507M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Savings Bank	Circleville, OH	$520M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
UNICO Bank	Mineral Point, MO	$503M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ 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

State Bank Financial does not publish a monthly maintenance fee in the index.

The peer median is $7.50 among 15 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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

State Bank Financial does not publish a monthly maintenance fee, so it is not on this chart.

State Bank FinancialPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 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 State Bank Financial (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: $75K
vs prior quarter: −$2K−2.6%; from Q1 2026
vs a year earlier: −$6K−7.4%; from Q2 2025
vs start of range: +$5K+7.1%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: State Bank Financial (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	$75K	−$2K	−2.6%
Q1 2026	$77K	−$3K	−3.7%
Q4 2025	$80K	+$1K	+1.3%
Q3 2025	$79K	−$2K	−2.5%
Q2 2025	$81K	−$5K	−5.8%
Q1 2025	$86K	+$2K	+2.4%
Q4 2024	$84K	+$14K	+20.0%
Q3 2024	$70K	−$24K	−25.5%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account Closed within 6 months of opening$25
Account Closing within 6 months$25
Dormant Account$5
Account Balancing per hour ($25.00 min)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statements (varies by account)$2
Undeliverable Statement$5

Overdraft & NSF

Overdraft Paid Item Fee$30
Overdraft Protection Transfer$6

ATM & Card

Non SBF ATM Transaction charge$1.50
Replacement of ATM or Debit Card$5
Deposited Return Charge: $: 6.00: Expedited Delivery of Debit or ATM Card$60
Expedited PIN request$15

Wire Transfers

Outgoing Wire - Customer$20
Incoming Wire - Customer$10
Foreign Wire$60

Check Services

Bank Checks$25
Cashiers Check$5
Online Stop Payment$25
Stop Payment Charge$30
per item
Counter Checks per page of 4 checks$2
per item
Non Customer Check Cashing (on-us)$5
Foreign Item Deposited (plus collection costs)$25

Digital & Electronic

Personal Bill PayNo charge

Cash & Deposit

Coin Counting - CustomerNo charge

Account Services

Drilling$300
Not compared: Box drilling or key fee
Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$115
Safe Deposit Box 3x10$45
Safe Deposit Box 3x5$25
Safe Deposit Box 4x5$30
Safe Deposit Box 4x9$45
Safe Deposit Box 5x10$56
Safe Deposit Box 5x5$40
Safe Deposit Box 5x9$50
Wire Transfers: 6x7$47
Garnishment Fee$100
Levy Fee$100

Lending Fees

Late Payment$10

Other Fees

Photocopy (per page)$1
per item
Statement Copy (replacement)$5

Fee	Amount	Basis	Note
Account Maintenance
Account Closed within 6 months of opening	$25	Not stated	None
Account Closing within 6 months	$25	Not stated	None
Dormant Account	$5	Not stated	None
Account Balancing per hour ($25.00 min)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statements (varies by account)	$2	Not stated	None
Undeliverable Statement	$5	Not stated	None
Overdraft & NSF
Overdraft Paid Item Fee	$30	Not stated	None
Overdraft Protection Transfer	$6	Not stated	None
ATM & Card
Non SBF ATM Transaction charge	$1.50	Not stated	None
Replacement of ATM or Debit Card	$5	Not stated	None
Deposited Return Charge: $: 6.00: Expedited Delivery of Debit or ATM Card	$60	Not stated	None
Expedited PIN request	$15	Not stated	None
Wire Transfers
Outgoing Wire - Customer	$20	Not stated	None
Incoming Wire - Customer	$10	Not stated	None
Foreign Wire	$60	Not stated	None
Check Services
Bank Checks	$25	Not stated	None
Cashiers Check	$5	Not stated	None
Online Stop Payment	$25	Not stated	None
Stop Payment Charge	$30	per item	None
Counter Checks per page of 4 checks	$2	per item	None
Non Customer Check Cashing (on-us)	$5	Not stated	None
Foreign Item Deposited (plus collection costs)	$25	Not stated	None
Digital & Electronic
Personal Bill Pay	No charge	Not stated	None
Cash & Deposit
Coin Counting - Customer	No charge	Not stated	None
Account Services
Drilling	$300Not compared: Box drilling or key fee	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$115	Not stated	None
Safe Deposit Box 3x10	$45	Not stated	None
Safe Deposit Box 3x5	$25	Not stated	None
Safe Deposit Box 4x5	$30	Not stated	None
Safe Deposit Box 4x9	$45	Not stated	None
Safe Deposit Box 5x10	$56	Not stated	None
Safe Deposit Box 5x5	$40	Not stated	None
Safe Deposit Box 5x9	$50	Not stated	None
Wire Transfers: 6x7	$47	Not stated	None
Garnishment Fee	$100	Not stated	None
Levy Fee	$100	Not stated	None
Lending Fees
Late Payment	$10	Not stated	None
Other Fees
Photocopy (per page)	$1	per item	None
Statement Copy (replacement)	$5	Not stated	None

Correct a fee source

Oct 9, 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.

Branches and public record

Where State Bank Financial operates, and what regulators and customers have on file.

Market position

In La Crosse-Onalaska, WI-MN, State Bank Financial holds 7.2% of bank deposits, #6 of 24, with 3 offices.

Compare fees with the 27 La Crosse-Onalaska, WI-MN banks and credit unions in its home-metro peer set →

Offices in the metro

87 offices of 34 institutions shown.

State Bank FinancialOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: La Crosse-Onalaska, WI-MN metro (FDIC metro code 29100), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 3 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1U.S. Bank National Association14.5%
2River Bank10.5%
3Associated Bank, National Association10.4%
4Merchants Bank, National Association9.5%
5Citizens State Bank of La Crosse8.6%
6State Bank Financial7.2%
7Coulee Bank5.4%
8The First National Bank of Bangor4.6%

8 of 24 institutions shown. $4.9B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: La Crosse-Onalaska, WI-MN metro (FDIC metro code 29100)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 7.2% share, 3 offices, #6 of 24

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: La Crosse-Onalaska, WI-MN metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

29 offices of 11 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

1 past action

Past

Written AgreementSeptember 13, 2010
Federal Reserve. Ended September 27, 2011 · Order

Source: public enforcement action lists from the Federal Reserve, read November 4, 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

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