First State Bank

Headquarters: Buxton, North Dakota
Charter: Bank
Assets: $424.2M
Fed district: Minneapolis
Regulator: FDIC
Holding company: Full Service Ins Agency Inc.

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

Source: its fee schedule, read Nov 1, 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 Nov 1, 2026

How these figures are measured

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) 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's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First State Bank (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 $32K in Q2 2026, 23% above the same quarter a year earlier ($26K).
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: $30
First State Bank: $30
U.S. median: no median
NSF / Returned Item
First State Bank: $30
First State Bank: $30
U.S. median: no median
Wire Transfer (Domestic Out)
First State Bank: $30
First State Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Dakota, 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).
North Dakota: Banks and credit unions headquartered in North Dakota 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 3.0% from Q3 2025 to Q2 2026, to $32K.

Service-charge income, Q2 2026

$32K

$33KQ3 2025

$31KQ4 2025

$29KQ1 2026

$32KQ2 2026

Against the median

First State BankMedian

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 · $424M 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
$415M to $434M 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(this institution)	Buxton, ND	$424M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
American National Bank - Fox Cities	Appleton, WI	$433M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bank of the Lowcountry	Walterboro, SC	$430M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Zachary	Zachary, LA	$416M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Cattle Bank and Trust	Seward, NE	$422M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Centinel Bank of Taos	Taos, NM	$425M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central State Bank	Coralville, IA	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Coffee County Bank	Manchester, TN	$428M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Devon Bank	Chicago, IL	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Exchange Bank and Trust Company	Perry, OK	$429M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
Farmers State Bank of Calhan	Calhan, CO	$416M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Farmers Trust and Savings Bank	Buffalo Center, IA	$423M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Lockhart Bank	Lockhart, TX	$416M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First National Bank in DeRidder	DeRidder, LA	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fleetwood Bank	Fleetwood, PA	$416M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Heritage Bank & Trust	Columbia, TN	$418M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Heritage Bank of the Ozarks	Lebanon, MO	$424M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Home Bank SB	Martinsville, IN	$433M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kentland Bank	Kentland, IN	$419M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MA Bank	Macon, MO	$417M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Valley Bank	Zanesville, OH	$427M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
River City Bank	Rome, GA	$423M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sentry Bank	Saint Joseph, MN	$415M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sugar River Bank	Newport, NH	$424M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Town & Country Bank and Trust Company	Bardstown, KY	$434M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Winnsboro State Bank & Trust Company	Winnsboro, LA	$426M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ 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.

Fee type

Peer pricing snapshot

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

The peer median is $7.50 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 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

First State BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 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 (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: $32K
vs prior quarter: +$3K+10.3%; from Q1 2026
vs a year earlier: +$6K+23.1%; from Q2 2025
vs start of range: +$3K+10.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First State Bank (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	$32K	+$3K	+10.3%
Q1 2026	$29K	−$2K	−6.5%
Q4 2025	$31K	−$2K	−6.1%
Q3 2025	$33K	+$7K	+26.9%
Q2 2025	$26K	−$2K	−7.1%
Q1 2025	$28K	+$1K	+3.7%
Q4 2024	$27K	−$2K	−6.9%
Q3 2024	$29K	+$4K	+16.0%

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’s own schedules, with a source for each figure.

Account Maintenance

Dormant(1) Account Fee$5
per month
Dormant(1) Account Fee$5
per month

Overdraft & NSF

Overdraft Fee$30
per item
Overdraft Fee$30
per item
Returned Item Fee$30
per item
Returned Item Fee$30
per item
Continuous Overdraft Charge$30
Continuous Overdraft Charge$30
Overdraft Protection Transfer Fee$5
per item
Overdraft Protection Transfer Fee$5
per item
Returned Item Fee daily maximum$150
per day
Returned Item Fee daily maximum (audience not stated, treated as personal)$150
per day

ATM & Card

Card Replacement Fee$10
Not compared: Annual charge, not per item
per year

Wire Transfers

BDB Domestic Wire Transfer$30
per item
Domestic Wire Transfer$30
per item

Check Services

Cashier's Check$5
per item
Cashier's Check$5
per item
Money Order$4
per item
Money Order$4
per item
Stop Payment Fee$25
per item
Stop Payment Fee$25
per item
Counter Checks$5
Counter Checks$5
Check Cashing (Non Customer Only)1%($5 minimum)
Check Cashing (Non Customer Only) (audience not stated, treated as personal)1%($5 minimum)
Copy of Check, Deposit or Withdrawal$1
per item
Copy of Check, Deposit or Withdrawal$1
per item

Digital & Electronic

ACH Origination$25
Not compared: Monthly charge, not per item
per month
BDB ACH Origination$25
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Returned Deposit Item/Cash Item$10
per item
Returned Deposit Item/Cash Item$10
per item

Account Services

Notary PublicNo charge
Notary PublicNo charge
Annual Rent 10 x 10$60
per year
Annual Rent 3 x 10$35
per year
Annual Rent 3.5 x 10$45
per year
Annual Rent 4 x 5$30
per year
Annual Rent 5 x 10$50
per year
Drill Lock$125
Not compared: Box drilling or key fee
Annual Rent 10 x 10$60
per year
Annual Rent 3 x 10$35
per year
Annual Rent 3 x 5$25
per year
Annual Rent 3.5 x 10$45
per year
Annual Rent 4 x 5$30
per year
Annual Rent 5 x 10$50
per year
Drill Lock$125
Not compared: Box drilling or key fee
Lost Key$50
Not compared: Box drilling or key fee
Safe Deposit Box Annual Rent 3 x 5$25
per year
Garnishment/Levy$25
per item
Garnishment/Levy$25
per item

Lending Fees

Late Charge$10
Not compared: Annual charge, not per item
per year
Late Charge$10
Not compared: Annual charge, not per item
per year

Other Fees

Account Research, Statement Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research, Statement Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Dormant(1) Account Fee	$5	per month	None
Dormant(1) Account Fee	$5	per month	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
Overdraft Fee	$30	per item	None
Returned Item Fee	$30	per item	None
Returned Item Fee	$30	per item	None
Continuous Overdraft Charge	$30	Not stated	None
Continuous Overdraft Charge	$30	Not stated	None
Overdraft Protection Transfer Fee	$5	per item	None
Overdraft Protection Transfer Fee	$5	per item	None
Returned Item Fee daily maximum	$150	per day	None
Returned Item Fee daily maximum (audience not stated, treated as personal)	$150	per day	None
ATM & Card
Card Replacement Fee	$10Not compared: Annual charge, not per item	per year	None
Wire Transfers
BDB Domestic Wire Transfer	$30	per item	None
Domestic Wire Transfer	$30	per item	None
Check Services
Cashier's Check	$5	per item	None
Cashier's Check	$5	per item	None
Money Order	$4	per item	None
Money Order	$4	per item	None
Stop Payment Fee	$25	per item	None
Stop Payment Fee	$25	per item	None
Counter Checks	$5	Not stated	None
Counter Checks	$5	Not stated	None
Check Cashing (Non Customer Only)	1%($5 minimum)	Not stated	None
Check Cashing (Non Customer Only) (audience not stated, treated as personal)	1%($5 minimum)	Not stated	None
Copy of Check, Deposit or Withdrawal	$1	per item	None
Copy of Check, Deposit or Withdrawal	$1	per item	None
Digital & Electronic
ACH Origination	$25Not compared: Monthly charge, not per item	per month	None
BDB ACH Origination	$25Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Returned Deposit Item/Cash Item	$10	per item	None
Returned Deposit Item/Cash Item	$10	per item	None
Account Services
Notary Public	No charge	Not stated	None
Notary Public	No charge	Not stated	None
<br>Annual Rent 10 x 10	$60	per year	None
<br>Annual Rent 3 x 10	$35	per year	None
<br>Annual Rent 3.5 x 10	$45	per year	None
<br>Annual Rent 4 x 5	$30	per year	None
<br>Annual Rent 5 x 10	$50	per year	None
<br>Drill Lock	$125Not compared: Box drilling or key fee	Not stated	None
Annual Rent 10 x 10	$60	per year	None
Annual Rent 3 x 10	$35	per year	None
Annual Rent 3 x 5	$25	per year	None
Annual Rent 3.5 x 10	$45	per year	None
Annual Rent 4 x 5	$30	per year	None
Annual Rent 5 x 10	$50	per year	None
Drill Lock	$125Not compared: Box drilling or key fee	Not stated	None
Lost Key	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Annual Rent 3 x 5	$25	per year	None
Garnishment/Levy	$25	per item	None
Garnishment/Levy	$25	per item	None
Lending Fees
<br>Late Charge	$10Not compared: Annual charge, not per item	per year	None
Late Charge	$10Not compared: Annual charge, not per item	per year	None
Other Fees
Account Research, Statement Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research, Statement Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 1, 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 operates, and what regulators and customers have on file.

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 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

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