Compared with Minnesota
10 of 20
compared fees are above the median.
8 below, 2 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
7th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Minnesota median
of 20 compared; 8 below, 2 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 Minnesota median | Published fees above the Minnesota 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 0.5% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (7th 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 $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.
10 of 20 compared published fees sit above the Minnesota median; 8 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 Minnesota medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income fell 12% from Q3 2025 to Q2 2026, to $36K. Its share of revenue, 0.5%, is below the 2.1% median for banks with $300M to $1B in assets.
$36K
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.
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.
| 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.
Peer pricing snapshot
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.
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 | $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% |
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 item
per item
per day
per item
varies · Maximum total for 20 consecutive business days
per day · Daily maximum cap for overdraft charges
per item
per item
per item
per page
per page
per page
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Record Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $6Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Charge each item paid | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Return Item Charge | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Daily Overdraft Fee - Fee begins on 4th business day after initial overdraft | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Account Protection Transfer Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Daily Overdraft Fee Maximum | $100Inside the U.S. middle 50% ($100 to $163.75 nationally) | varies | Maximum total for 20 consecutive business days |
| Overdraft Charge Daily Maximum | $96Below the U.S. middle 50% ($100 to $163.75 nationally) | per day | Daily maximum cap for overdraft charges |
ATM & Card | |||
| ATM Withdrawals | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Withdrawal fee - International | 0.2% | Not stated | None |
| Debit/ATM Card - Replace Card | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers Customer (outgoing) - Foreign | $25Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier's Check Customer | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders Customer | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment - Checks and ACH items | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment - Recurring Debit Card Transactions | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Item | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Digital & Electronic | |||
| BillPay: Donation payment by check | $1.99Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| BillPay: Gift payment by check | $2.99Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| BillPay: Overnight Rush Check Payment | $19.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| BillPay: Second Day Rush Check Payment | $14.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| BillPay: Second Day Rush Electronic Payment | $4.95Inside 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 $2.50 nationally) | Not stated | None |
| Coin Counting - Non-Customer | 5%($3 minimum) | Not stated | None |
| Return Deposit Item | $4Below the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Public Service - Customer | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Public Service - Non-Customers | $5Inside the U.S. middle 50% ($0 to $5 nationally) | 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" | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" x 10" | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" x 5" | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" x 10" | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Levy/Garnishment | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Statement Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | 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 |
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
4 offices in 2 states, $455.4M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 4 | $455.4M |
Minneapolis-St. Paul-Bloomington, MN-WI
0.2% of bank deposits, #38 of 125, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 40.8% |
| Wells Fargo Bank, National Association | 20.3% |
| Ameriprise Bank, FSB | 9.5% |
| Old National Bank | 2.9% |
| The Huntington National Bank | 2.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Minneapolis-St. Paul-Bloomington, MN-WI, First State Bank and Trust holds 0.2% of bank deposits, #38 of 125, with 4 offices.
900 offices of 143 institutions shown.
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).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 125 institutions shown. $253.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.2% 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.
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.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
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.