Compared with Kansas
3 of 5
compared fees are above the median.
2 below, 0 about the same.
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
63rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kansas median
of 5 compared; 2 below, 0 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for First State Bank and Trust 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 Kansas median | Published fees above the Kansas 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's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.7% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (63rd 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 $176K in Q2 2026, 1.1% above the same quarter a year earlier ($174K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
3 of 5 compared published fees sit above the Kansas median; 2 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 Kansas medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $9.98, the middle of its prices
NSF / Returned Item
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 3.3% from Q3 2025 to Q2 2026, to $176K. Its share of revenue, 2.7%, is above the 2.1% median for banks with $300M to $1B in assets.
$176K
First State Bank and TrustMedian
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. *Monthly maintenance: Listed at $6 to $15; we compare the midpoint.
First State Bank and Trust · $515M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First State Bank and Trust(this institution) | Tonganoxie, KS | $515M | Publishes Monthly maintenance | Out-of-network ATM not published | 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 |
| Citizens Community Bank | Mascoutah, IL | $531M | 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 Montana Bank, Inc. | Missoula, MT | $530M | Publishes Monthly maintenance | 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 | Bayport, MN | $499M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| 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 · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $9.98, the middle of its four prices, against a peer median of $8.23 among 14 publishing peers.
Its four checking prices are $6, $9.95, $10 and $15.
$9.98 is a comparison price, not a fee anyone is charged.
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 and Trust (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 | $176K | +$7K | +4.1% |
| Q1 2026 | $169K | −$21K | −11.1% |
| Q4 2025 | $190K | +$8K | +4.4% |
| Q3 2025 | $182K | +$8K | +4.6% |
| Q2 2025 | $174K | +$5K | +3.0% |
| Q1 2025 | $169K | +$5K | +3.0% |
| Q4 2024 | $164K | −$25K | −13.2% |
| Q3 2024 | $189K | +$1K | +0.5% |
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 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 by share.
Amounts from First State Bank and Trust’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per item
per day
per day
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Base Monthly Fee | $9.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Relationship Checking Monthly service charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge (waived with minimum ledger balance) | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Insufficient funds fee (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Additional fee for account overdrawn 5 or more consecutive business days | $3Below the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Limit on total overdraft fees per day | $180Above the U.S. middle 50% ($100 to $163.75 nationally) | per day | None |
Check Services | |||
| Stop Payments Yes | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| Mobile Deposit Yes | $0.50Above the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Lending Fees | |||
| Late fee | 1.5% | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card discounted load fee (Charter 50 and Relationship Checking) | $2Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
| Visa Gift Card load fee | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Oct 15, 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 operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state, $457.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 4 | $344.5M | |
| 2 | $61.6M | |
| 1 | $51.5M |
Kansas City, MO-KS
0.3% of bank deposits, #32 of 114, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| UMB Bank, National Association | 34.5% |
| Commerce Bank | 9.9% |
| Bank of America, National Association | 5.5% |
| U.S. Bank National Association | 5.4% |
| Security Bank of Kansas City | 3.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Kansas City, MO-KS, First State Bank and Trust holds 0.3% of bank deposits, #32 of 114, with 4 offices.
773 offices of 157 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 114 institutions shown. $99.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.3% share, 4 offices, #32 of 114
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
122 offices of 44 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, Tonganoxie Bankshares, Inc.. Ended May 14, 2014 · 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.