Compared with North Dakota
3 of 13
compared fees are above the median.
3 below, 7 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
10th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the North Dakota median
of 13 compared; 3 below, 7 about the same
See the feesFee schedule read Nov 1, 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 North Dakota median | Published fees above the North Dakota 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
Service charges were 0.7% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (10th 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 $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.
3 of 13 compared published fees sit above the North Dakota median; 3 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 North Dakota medians for fees published by banks and credit unions.
Deposited Item Return
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income fell 3.0% from Q3 2025 to Q2 2026, to $32K. Its share of revenue, 0.7%, is below the 2.1% median for banks with $300M to $1B in assets.
$32K
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 · $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.
| 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.
Peer pricing snapshot
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.
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.
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 | $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% |
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.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant(1) Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant(1) Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Continuous Overdraft Charge | $30Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Continuous Overdraft Charge | $30Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Overdraft Protection Transfer Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Overdraft Protection Transfer Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Returned Item Fee daily maximum | $150Inside the U.S. middle 50% ($100 to $162.50 nationally) | per day | None |
| Returned Item Fee daily maximum (audience not stated, treated as personal) | $150Inside the U.S. middle 50% ($100 to $162.50 nationally) | per day | None |
ATM & Card | |||
| Card Replacement Fee | $10Not compared: Annual charge, not per item | per year | None |
Wire Transfers | |||
| BDB Domestic Wire Transfer | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Domestic Wire Transfer | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $4Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Money Order | $4Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Counter Checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | 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 | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Check, Deposit or Withdrawal | $1Below the U.S. middle 50% ($2 to $5 nationally) | 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 | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Returned Deposit Item/Cash Item | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Public | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Public | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| <br>Annual Rent 10 x 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| <br>Annual Rent 3 x 10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| <br>Annual Rent 3.5 x 10 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| <br>Annual Rent 4 x 5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| <br>Annual Rent 5 x 10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| <br>Drill Lock | $125Not compared: Box drilling or key fee | Not stated | None |
| Annual Rent 10 x 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent 3 x 10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent 3 x 5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent 3.5 x 10 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent 4 x 5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent 5 x 10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | 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 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment/Levy | $25Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Garnishment/Levy | $25Below the U.S. middle 50% ($30 to $85 nationally) | 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
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.
Where First State Bank operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $371.9M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 2 | $253.5M | |
| Outside a metro area | 3 | $118.3M |
Grand Forks, ND-MN
6.6% of bank deposits, #6 of 21, up 2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Alerus Financial, National Association | 15.1% |
| Old National Bank | 14.8% |
| Gate City Bank | 9.5% |
| U.S. Bank National Association | 7.9% |
| Frandsen Bank & Trust | 7.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Grand Forks, ND-MN, First State Bank holds 6.6% of bank deposits, #6 of 21, with 2 offices.
51 offices of 29 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.
8 of 21 institutions shown. $3.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 6.6% share, 2 offices, #6 of 21
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
13 offices of 8 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.