First State Bank and Trust

Headquarters: Bayport, Minnesota
Charter: Bank
Assets: $499.0M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 15, 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 15, 2026

How these figures are measured

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) 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.	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

Details

Source: FFIEC call report (bulk data)
Entity: First State Bank and Trust (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 $36K in Q2 2026, 5.3% below the same quarter a year earlier ($38K).
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)
First State Bank and Trust: $32
First State Bank and Trust: $32
U.S. median: no median
NSF / Returned Item
First State Bank and Trust: $32
First State Bank and Trust: $32
U.S. median: no median
Non-Network ATM
First State Bank and Trust: $1
First State Bank and Trust: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, 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).
Minnesota: Banks and credit unions headquartered in Minnesota 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 12% from Q3 2025 to Q2 2026, to $36K.

Service-charge income, Q2 2026

$36K

$41KQ3 2025

$35KQ4 2025

$38KQ1 2026

$36KQ2 2026

Against the median

First State Bank and TrustMedian

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

First State Bank and Trust · $499M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$486M to $512M in assets
Headquartered in 19 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
First State Bank and Trust(this institution)	Bayport, MN	$499M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	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
Arundel Federal Savings Bank	Glen Burnie, MD	$492M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Century Bank and Trust	Milledgeville, GA	$491M	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
Dean Co-operative Bank	Franklin, MA	$494M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
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
Eclipse Bank, Inc.	Louisville, KY	$486M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
EvaBank	Eva, AL	$491M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
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
Fulton Savings Bank	Fulton, NY	$492M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
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
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
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 Bank, National Association	McAlester, OK	$488M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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 Citizens Bank of Clovis	Clovis, NM	$493M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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
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 · 19 publish this fee(monthly maintenance)

6 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First State Bank and Trust does not publish a monthly maintenance fee in the index.

The peer median is $6.98 among 19 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

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

First State Bank and TrustPeer (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 First State Bank and Trust (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: $36K
vs prior quarter: −$2K−5.3%; from Q1 2026
vs a year earlier: −$2K−5.3%; from Q2 2025
vs start of range: −$6K−14.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First State Bank and Trust (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	$36K	−$2K	−5.3%
Q1 2026	$38K	+$3K	+8.6%
Q4 2025	$35K	−$6K	−14.6%
Q3 2025	$41K	+$3K	+7.9%
Q2 2025	$38K	−$5K	−11.6%
Q1 2025	$43K	+$1K	+2.4%
Q4 2024	$42K	$0	0.0%
Q3 2024	$42K	−$4K	−8.7%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Record Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$6
per month

Overdraft & NSF

Overdraft Charge each item paid$32
per item
Return Item Charge$32
per item
Daily Overdraft Fee - Fee begins on 4th business day after initial overdraft$5
per day
Account Protection Transfer Fee$5
per item
Daily Overdraft Fee Maximum$100
varies · Maximum total for 20 consecutive business days
Overdraft Charge Daily Maximum$96
per day · Daily maximum cap for overdraft charges

ATM & Card

ATM Withdrawals$1
per item
ATM Withdrawal fee - International0.2%
Debit/ATM Card - Replace Card$7.50

Wire Transfers

Wire Transfers Customer (outgoing) - Foreign$25
per item

Check Services

Cashier's Check Customer$4
Money Orders Customer$3
Stop Payment - Checks and ACH items$30
Stop Payment - Recurring Debit Card Transactions$30
Collection Item$20
per item

Digital & Electronic

BillPay: Donation payment by check$1.99
BillPay: Gift payment by check$2.99
BillPay: Overnight Rush Check Payment$19.95
BillPay: Second Day Rush Check Payment$14.95
BillPay: Second Day Rush Electronic Payment$4.95

Cash & Deposit

Coin Counting - CustomerNo charge
Coin Counting - Non-Customer5%($3 minimum)
Return Deposit Item$4
per item

Account Services

Notary Public Service - CustomerNo charge
Notary Public Service - Non-Customers$5
If both keys are lost, the box must be drilled open at a cost determined at opening.$10
Not compared: Box drilling or key fee
Safe Deposit Box 10" x 10"$125
Safe Deposit Box 3" x 10"$50
Safe Deposit Box 3" x 5"$35
Safe Deposit Box 5" x 10"$75
Levy/Garnishment$100

Other Fees

Duplicate Statement Copy$2
Fax Machine$2
Not compared: Charged per page; comparison unavailable
per page
FAX Machine - International$5
Not compared: Charged per page; comparison unavailable
per page
FAX Machine - Local$2
Not compared: Charged per page; comparison unavailable
per page
FAX Machine - Long Distance$3
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Record Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$6	per month	None
Overdraft & NSF
Overdraft Charge each item paid	$32	per item	None
Return Item Charge	$32	per item	None
Daily Overdraft Fee - Fee begins on 4th business day after initial overdraft	$5	per day	None
Account Protection Transfer Fee	$5	per item	None
Daily Overdraft Fee Maximum	$100	varies	Maximum total for 20 consecutive business days
Overdraft Charge Daily Maximum	$96	per day	Daily maximum cap for overdraft charges
ATM & Card
ATM Withdrawals	$1	per item	None
ATM Withdrawal fee - International	0.2%	Not stated	None
Debit/ATM Card - Replace Card	$7.50	Not stated	None
Wire Transfers
Wire Transfers Customer (outgoing) - Foreign	$25	per item	None
Check Services
Cashier's Check Customer	$4	Not stated	None
Money Orders Customer	$3	Not stated	None
Stop Payment - Checks and ACH items	$30	Not stated	None
Stop Payment - Recurring Debit Card Transactions	$30	Not stated	None
Collection Item	$20	per item	None
Digital & Electronic
BillPay: Donation payment by check	$1.99	Not stated	None
BillPay: Gift payment by check	$2.99	Not stated	None
BillPay: Overnight Rush Check Payment	$19.95	Not stated	None
BillPay: Second Day Rush Check Payment	$14.95	Not stated	None
BillPay: Second Day Rush Electronic Payment	$4.95	Not stated	None
Cash & Deposit
Coin Counting - Customer	No charge	Not stated	None
Coin Counting - Non-Customer	5%($3 minimum)	Not stated	None
Return Deposit Item	$4	per item	None
Account Services
Notary Public Service - Customer	No charge	Not stated	None
Notary Public Service - Non-Customers	$5	Not stated	None
If both keys are lost, the box must be drilled open at a cost determined at opening.	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10" x 10"	$125	Not stated	None
Safe Deposit Box 3" x 10"	$50	Not stated	None
Safe Deposit Box 3" x 5"	$35	Not stated	None
Safe Deposit Box 5" x 10"	$75	Not stated	None
Levy/Garnishment	$100	Not stated	None
Other Fees
Duplicate Statement Copy	$2	Not stated	None
Fax Machine	$2Not compared: Charged per page; comparison unavailable	per page	None
FAX Machine - International	$5Not compared: Charged per page; comparison unavailable	per page	None
FAX Machine - Local	$2Not compared: Charged per page; comparison unavailable	per page	None
FAX Machine - Long Distance	$3Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

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.

Branches and public record

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

Market position

In Minneapolis-St. Paul-Bloomington, MN-WI, First State Bank and Trust holds 0.2% of bank deposits, #38 of 125, with 4 offices.

Compare fees with the 89 Minneapolis-St. Paul-Bloomington, MN-WI banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 143 institutions shown.

First State Bank and TrustOther banksCredit unions

Showing 900 of 947 offices: the largest institutions' offices, with banks and credit unions in proportion.

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: Minneapolis-St. Paul-Bloomington, MN-WI metro (FDIC metro code 33460), 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: 24 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 Association40.8%
2Wells Fargo Bank, National Association20.3%
3Ameriprise Bank, FSB9.5%
4Old National Bank2.9%
5The Huntington National Bank2.6%
6Bell Bank1.9%
7BMO Bank National Association1.9%
8Bank of America, National Association1.7%
38First State Bank and Trust0.2%

9 of 125 institutions shown. $253.2B 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: Minneapolis-St. Paul-Bloomington, MN-WI metro (FDIC metro code 33460)
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: 0.2% share, 4 offices, #38 of 125

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: Minneapolis-St. Paul-Bloomington, MN-WI 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

233 offices of 54 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.

Fee change alerts

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