Compared with Georgia
6 of 14
compared fees are above the median.
5 below, 3 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
78th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Georgia median
of 14 compared; 5 below, 3 about the same
See the feesFee schedule read Oct 22, 2026
Call-report figures are for First State Bank 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 Georgia median | Published fees above the Georgia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First State Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 22, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.7% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (78th 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 $223K in Q2 2026, 5.7% above the same quarter a year earlier ($211K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 14 compared published fees sit above the Georgia median; 5 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 Georgia medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 4.7% from Q3 2025 to Q2 2026, to $223K. Its share of revenue, 3.7%, is above the 2.1% median for banks with $300M to $1B in assets.
$223K
First State BankMedian
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 · $513M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First State Bank(this institution) | Wrens, GA | $513M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| 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 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 |
| Shamrock Bank, N.A. | Coalgate, OK | $501M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank Financial | La Crosse, WI | $512M | Monthly maintenance not published | Publishes Out-of-network ATM | 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 Berkshire Bank | New York, NY | $530M | Monthly maintenance not published | 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 · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $8.95 among 13 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
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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for First State Bank (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 | $223K | −$9K | −3.9% |
| Q1 2026 | $232K | −$14K | −5.7% |
| Q4 2025 | $246K | +$12K | +5.1% |
| Q3 2025 | $234K | +$23K | +10.9% |
| Q2 2025 | $211K | +$11K | +5.5% |
| Q1 2025 | $200K | +$2K | +1.0% |
| Q4 2024 | $198K | −$17K | −7.9% |
| Q3 2024 | $215K | +$11K | +5.4% |
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 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 by share.
Amounts from First State Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
per item
per item
per year
per year
per year
per year
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account Fee (or maximum allowed by law) per month up to 12 months | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Savings Account Excessive withdrawal fee after two free | $5Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF check charge- A charge for either paying or returning an item such as check | $33Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Service Charge for each withdrawal made from an ATM other than First State | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement Cost of Lost Mastercard Check Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashiers Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payments Fee | $33Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Encoded Counter Checks per 12 checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Foreign Collection Items (Incoming or Outgoing) per item | $100Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check images | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposited Items | $6Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Night Deposit Servce (per bag per month) | $3Not compared: Monthly charge, not per item | per month | None |
Account Services | |||
| Safe Deposit Box 10X10 | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10X10 (audience not stated, treated as personal) | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3X10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X10 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3X5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X5 (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 4X5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 4X5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5X10 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X10 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5X5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X5 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5X8 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X8 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 6X10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 6X10 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
Other Fees | |||
| Photocopies | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per month
per year
per year
per year
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee (or maximum allowed by law) per month up to 12 months | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Savings Account Excessive withdrawal fee after two free | $5Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF check charge- A charge for either paying or returning an item such as check | $33Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Service Charge for each withdrawal made from an ATM other than First State | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement Cost of Lost Mastercard Check Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashiers Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payments Fee | $33Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Encoded Counter Checks per 12 checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Foreign Collection Items (Incoming or Outgoing) per item | $100Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check images | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Business ACH Origination monthly fee | $25Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Returned Deposited Items | $6Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Night Deposit Servce (per bag per month) | $3Not compared: Monthly charge, not per item | per month | None |
Account Services | |||
| Safe Deposit Box 10X10 | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 4X5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X10 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X8 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 6X10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
Other Fees | |||
| Photocopies | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 22, 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 operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $444.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $302.3M |
| 2 | $142.5M |
Augusta-Richmond County, GA-SC
1.1% of bank deposits, #15 of 25, up 0.7 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 24.6% |
| SouthState Bank, National Association | 11% |
| Queensborough National Bank & Trust Company | 10.3% |
| Bank of America, National Association | 9.5% |
| Security Federal Bank | 8.8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Augusta-Richmond County, GA-SC, First State Bank holds 1.1% of bank deposits, #15 of 25, with 2 offices.
143 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.
9 of 25 institutions shown. $12.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2020 to 2026
June 2026: 1.1% share, 2 offices, #15 of 25
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2020 to 2026.
Credit unions, reported separately
33 offices of 9 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, against the holding company, CSRA Bank Corp.. Ended January 20, 2016 · Order
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.