State Bank & Trust

Headquarters: Winfield, Alabama
Charter: Bank
Assets: $413.0M
Fed district: Atlanta

7 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
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 State Bank & 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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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.	State Bank & 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: FDIC BankFind Suite (call report data)
Entity: State Bank & Trust (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $135K in Q2 2026, 12% below the same quarter a year earlier ($154K).
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)
State Bank & Trust: $33
State Bank & Trust: $33
U.S. median: no median
NSF / Returned Item
State Bank & Trust: $33
State Bank & Trust: $33
U.S. median: no median
Wire Transfer (Domestic Out)
State Bank & Trust: $25
State Bank & Trust: $25
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 Alabama, the Atlanta 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).
Alabama: Banks and credit unions headquartered in Alabama that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 9.4% from Q3 2025 to Q2 2026, to $135K.

Service-charge income, Q2 2026

$135K

$149KQ3 2025

$157KQ4 2025

$157KQ1 2026

$135KQ2 2026

Against the median

State Bank & TrustMedian

Sources and open questions

FDIC 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

State Bank & Trust · $413M 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
$404M to $423M 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
State Bank & Trust(this institution)	Winfield, AL	$413M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Community Bank	Petersburg, IL	$414M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Frankewing	Frankewing, TN	$413M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bank of Lexington, Inc.	Lexington, KY	$411M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of the Bluegrass and Trust Company	Lexington, KY	$407M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Central State Bank	Coralville, IA	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Devon Bank	Chicago, IL	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers and Merchants Bank of South Carolina	Holly Hill, SC	$414M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
First Vision Bank of Tennessee	Tullahoma, TN	$414M	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
FORTE BANK	Hartford, WI	$404M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Founders Bank	Washington, DC	$406M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
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
Pike National Bank	Mccomb, MS	$409M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
The First National Bank of Elmer	Elmer, NJ	$408M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Grant County Bank	Petersburg, WV	$407M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

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

The peer median is $6 among 15 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 17, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

State Bank & 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 17, 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 State Bank & 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: $135K
vs prior quarter: −$22K−14.0%; from Q1 2026
vs a year earlier: −$19K−12.3%; from Q2 2025
vs start of range: −$23K−14.6%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: State Bank & Trust (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$135K	−$22K	−14.0%
Q1 2026	$157K	$0	0.0%
Q4 2025	$157K	+$8K	+5.4%
Q3 2025	$149K	−$5K	−3.2%
Q2 2025	$154K	+$4K	+2.7%
Q1 2025	$150K	−$6K	−3.8%
Q4 2024	$156K	−$2K	−1.3%
Q3 2024	$158K	+$24K	+17.9%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Net service charge (account balance falls below $1,000)$10
per month
Dormant account fee$10
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Overdraft fee (each time we pay an overdraft if your account is overdrawn more than)$33
per item
NSF Check Charge$33

Wire Transfers

Wire Transfers - Domestic$25
Wire Transfers - International$75

Check Services

Cashier's Checks$5
Official Checks$2.50
Money Orders$2.50

Fee	Amount	Basis	Note
Account Maintenance
Net service charge (account balance falls below $1,000)	$10	per month	None
Dormant account fee	$10Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Overdraft fee (each time we pay an overdraft if your account is overdrawn more than)	$33	per item	None
NSF Check Charge	$33	Not stated	None
Wire Transfers
Wire Transfers - Domestic	$25	Not stated	None
Wire Transfers - International	$75	Not stated	None
Check Services
Cashier's Checks	$5	Not stated	None
Official Checks	$2.50	Not stated	None
Money Orders	$2.50	Not stated	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.

Fee change alerts

Get an email when State Bank & Trust's monthly maintenance changes in our data

We check once a day and send one email covering every change.