First State Bank

Headquarters: Irvington, Kentucky
Charter: Bank
Assets: $402.0M
Fed district: St. Louis

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

Source: its fee schedule, read Oct 16, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $4, the middle of its prices
First State Bank: $1 to $7
First State Bank: $1 to $7
U.S. median: no median
NSF / Returned Item
First State Bank: $20
First State Bank: $20
U.S. median: no median
Non-Network ATM
First State Bank: $0.75
First State Bank: $0.75
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis 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).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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.

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Among its peers

First State Bank · $402M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.

Banks only
$393M to $409M in assets
Headquartered in 21 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)	Irvington, KY	$402M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Ascendia Bank	Glen Rock, NJ	$395M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Balboa Thrift and Loan Association	Chula Vista, CA	$394M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of St. Francisville	Saint Francisville, LA	$399M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
Big Horn Federal Savings Bank	Greybull, WY	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Bank of Santa Maria	Santa Maria, CA	$397M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
First Iowa State Bank	Albia, IA	$396M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Secure Bank and Trust Co.	Palos Hills, IL	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Grant County State Bank	Swayzee, IN	$396M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
GreenWay Bank	Van Wert, OH	$402M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Locality Bank	Fort Lauderdale, FL	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Peoples State Bank of Hallettsville	Hallettsville, TX	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Peoples Trust Company of St. Albans	Saint Albans, VT	$395M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
Pony Express Bank	Braymer, MO	$399M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Bank of Glen Burnie	Glen Burnie, MD	$395M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Citizens National Bank of Park Rapids	Park Rapids, MN	$397M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Clinton National Bank	Clinton, IA	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
The Security National Bank of Enid	Enid, OK	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Shelby State Bank	Shelby, MI	$397M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
TrustTexas Bank, SSB	Cuero, TX	$393M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $1.50 (27%) below the median of similar-sized banks.

Compared at $4, the middle of its two prices, against a peer median of $5.50 among 11 publishing peers.

Its two checking prices are $1 and $7.

$4 is a comparison price, not a fee anyone is charged.

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: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

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.

Published fee schedule

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

Account Maintenance

Service charge$7
per month
Service charge$1
per month
Account Record Research Fee; Per item charge (checks, statements, etc.)$5
per item

Overdraft & NSF

Return Item Charge$20

ATM & Card

ATM/Debit Card transactions at all other ATM's$0.75
ATM/Debit Card Replacement Fee$12
ATM/Debit Card -International (audience not stated, treated as personal)1%

Wire Transfers

Wire Transfer Outgoing ; " Customer Only" - Domestic$20
Wire Transfer Outgoing; "Customer Only" - International$50

Check Services

Cashier's Check - "Customer Only"$2
Stop Payment Request (if amount, payee and check number given)$20
Stop Payment Request (incomplete information)$40
Counter Check Fee; (per printed page)$1

Digital & Electronic

Internet Banking and Bill PaymentNo charge

Account Services

Notary ServiceNo charge
Safety Deposit Box; Drill and replace lock$75
Not compared: Box drilling or key fee
Safety Deposit Box; Lost Key (1)$20
Not compared: Box drilling or key fee
Tax Levy/Garnishment fee (amount determined by levy/garnishment-max of $50)$50

Fee	Amount	Basis	Note
Account Maintenance
Service charge	$7	per month	None
Service charge	$1	per month	None
Account Record Research Fee; Per item charge (checks, statements, etc.)	$5	per item	None
Overdraft & NSF
Return Item Charge	$20	Not stated	None
ATM & Card
ATM/Debit Card transactions at all other ATM's	$0.75	Not stated	None
ATM/Debit Card Replacement Fee	$12	Not stated	None
ATM/Debit Card -International (audience not stated, treated as personal)	1%	Not stated	None
Wire Transfers
Wire Transfer Outgoing ; " Customer Only" - Domestic	$20	Not stated	None
Wire Transfer Outgoing; "Customer Only" - International	$50	Not stated	None
Check Services
Cashier's Check - "Customer Only"	$2	Not stated	None
Stop Payment Request (if amount, payee and check number given)	$20	Not stated	None
Stop Payment Request (incomplete information)	$40	Not stated	None
Counter Check Fee; (per printed page)	$1	Not stated	None
Digital & Electronic
Internet Banking and Bill Payment	No charge	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Safety Deposit Box; Drill and replace lock	$75Not compared: Box drilling or key fee	Not stated	None
Safety Deposit Box; Lost Key (1)	$20Not compared: Box drilling or key fee	Not stated	None
Tax Levy/Garnishment fee (amount determined by levy/garnishment-max of $50)	$50	Not stated	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

Oct 16, 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 First State Bank's ach origination changes in our data

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $4, the middle of its prices
First State Bank: $1 to $7
First State Bank: $1 to $7
U.S. median: no median
NSF / Returned Item
First State Bank: $20
First State Bank: $20
U.S. median: no median
Non-Network ATM
First State Bank: $0.75
First State Bank: $0.75
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis 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).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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.

Among its peers

First State Bank · $402M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.

Banks only
$393M to $409M in assets
Headquartered in 21 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)	Irvington, KY	$402M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Ascendia Bank	Glen Rock, NJ	$395M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Balboa Thrift and Loan Association	Chula Vista, CA	$394M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of St. Francisville	Saint Francisville, LA	$399M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
Big Horn Federal Savings Bank	Greybull, WY	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Bank of Santa Maria	Santa Maria, CA	$397M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
First Iowa State Bank	Albia, IA	$396M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Secure Bank and Trust Co.	Palos Hills, IL	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Grant County State Bank	Swayzee, IN	$396M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
GreenWay Bank	Van Wert, OH	$402M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Locality Bank	Fort Lauderdale, FL	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Peoples State Bank of Hallettsville	Hallettsville, TX	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Peoples Trust Company of St. Albans	Saint Albans, VT	$395M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
Pony Express Bank	Braymer, MO	$399M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Bank of Glen Burnie	Glen Burnie, MD	$395M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Citizens National Bank of Park Rapids	Park Rapids, MN	$397M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Clinton National Bank	Clinton, IA	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
The Security National Bank of Enid	Enid, OK	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Shelby State Bank	Shelby, MI	$397M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
TrustTexas Bank, SSB	Cuero, TX	$393M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $1.50 (27%) below the median of similar-sized banks.

Compared at $4, the middle of its two prices, against a peer median of $5.50 among 11 publishing peers.

Its two checking prices are $1 and $7.

$4 is a comparison price, not a fee anyone is charged.

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: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

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.

Published fee schedule

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

Account Maintenance

Service charge$7
per month
Service charge$1
per month
Account Record Research Fee; Per item charge (checks, statements, etc.)$5
per item

Overdraft & NSF

Return Item Charge$20

ATM & Card

ATM/Debit Card transactions at all other ATM's$0.75
ATM/Debit Card Replacement Fee$12
ATM/Debit Card -International (audience not stated, treated as personal)1%

Wire Transfers

Wire Transfer Outgoing ; " Customer Only" - Domestic$20
Wire Transfer Outgoing; "Customer Only" - International$50

Check Services

Cashier's Check - "Customer Only"$2
Stop Payment Request (if amount, payee and check number given)$20
Stop Payment Request (incomplete information)$40
Counter Check Fee; (per printed page)$1

Digital & Electronic

Internet Banking and Bill PaymentNo charge

Account Services

Notary ServiceNo charge
Safety Deposit Box; Drill and replace lock$75
Not compared: Box drilling or key fee
Safety Deposit Box; Lost Key (1)$20
Not compared: Box drilling or key fee
Tax Levy/Garnishment fee (amount determined by levy/garnishment-max of $50)$50

Fee	Amount	Basis	Note
Account Maintenance
Service charge	$7	per month	None
Service charge	$1	per month	None
Account Record Research Fee; Per item charge (checks, statements, etc.)	$5	per item	None
Overdraft & NSF
Return Item Charge	$20	Not stated	None
ATM & Card
ATM/Debit Card transactions at all other ATM's	$0.75	Not stated	None
ATM/Debit Card Replacement Fee	$12	Not stated	None
ATM/Debit Card -International (audience not stated, treated as personal)	1%	Not stated	None
Wire Transfers
Wire Transfer Outgoing ; " Customer Only" - Domestic	$20	Not stated	None
Wire Transfer Outgoing; "Customer Only" - International	$50	Not stated	None
Check Services
Cashier's Check - "Customer Only"	$2	Not stated	None
Stop Payment Request (if amount, payee and check number given)	$20	Not stated	None
Stop Payment Request (incomplete information)	$40	Not stated	None
Counter Check Fee; (per printed page)	$1	Not stated	None
Digital & Electronic
Internet Banking and Bill Payment	No charge	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Safety Deposit Box; Drill and replace lock	$75Not compared: Box drilling or key fee	Not stated	None
Safety Deposit Box; Lost Key (1)	$20Not compared: Box drilling or key fee	Not stated	None
Tax Levy/Garnishment fee (amount determined by levy/garnishment-max of $50)	$50	Not stated	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

Oct 16, 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.