Compared with Wisconsin
7 of 23
compared fees are above the median.
6 below, 10 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
37th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Wisconsin median
of 23 compared; 6 below, 10 about the same
See the feesFee schedule read Oct 9, 2026
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) 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 Wisconsin median | Published fees above the Wisconsin 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
Service charges were 1.6% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (37th 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 $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.
7 of 23 compared published fees sit above the Wisconsin median; 6 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 Wisconsin medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
Wire Transfer (Domestic Out)
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.
Service-charge income fell 5.1% from Q3 2025 to Q2 2026, to $75K. Its share of revenue, 1.6%, is below the 2.1% median for banks with $300M to $1B in assets.
$75K
State Bank FinancialMedian
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.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for State Bank Financial (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 | $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% |
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, State Bank Financial left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to State Bank Financial by share.
Amounts from State Bank Financial’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed within 6 months of opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Closing within 6 months | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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) | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Undeliverable Statement | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Paid Item Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Protection Transfer | $6Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Non SBF ATM Transaction charge | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement of ATM or Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Deposited Return Charge: $: 6.00: Expedited Delivery of Debit or ATM Card | $60Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Expedited PIN request | $15Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire - Customer | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire - Customer | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Foreign Wire | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Bank Checks | $25Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashiers Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Online Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Charge | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks per page of 4 checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non Customer Check Cashing (on-us) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Item Deposited (plus collection costs) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Personal Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counting - Customer | No chargeInside the U.S. middle 50% ($0 to $2 nationally) | 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 | $115Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x10 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4x5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4x9 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10 | $56Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x5 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x9 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Wire Transfers: 6x7 | $47Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishment Fee | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levy Fee | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Photocopy (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy (replacement) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
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.
Where State Bank Financial operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $439.0M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $356.9M | |
| Outside a metro area | 2 | $82.1M |
La Crosse-Onalaska, WI-MN
7.2% of bank deposits, #6 of 24, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 14.5% |
| River Bank | 10.5% |
| Associated Bank, National Association | 10.4% |
| Merchants Bank, National Association | 9.5% |
| Citizens State Bank of La Crosse | 8.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In La Crosse-Onalaska, WI-MN, State Bank Financial holds 7.2% of bank deposits, #6 of 24, with 3 offices.
87 offices of 34 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 24 institutions shown. $4.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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
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
We check once a day and send one email covering every change.