Compared with Kentucky
2 of 13
compared fees are above the median.
5 below, 6 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
46th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kentucky median
of 13 compared; 5 below, 6 about the same
See the feesFee schedule read Oct 16, 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 Kentucky median | Published fees above the Kentucky 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 | Oct 16, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.9% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (46th 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 $80K in Q2 2026, 3.6% below the same quarter a year earlier ($83K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 13 compared published fees sit above the Kentucky median; 5 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 Kentucky medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $4, the middle of its prices
NSF / Returned Item
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.
Service-charge income fell 3.6% from Q3 2025 to Q2 2026, to $80K. Its share of revenue, 1.9%, is below the 2.1% median for banks with $300M to $1B in assets.
$80K
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. *Monthly maintenance: Listed at $1 to $7; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
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 | $80K | −$11K | −12.1% |
| Q1 2026 | $91K | −$1K | −1.1% |
| Q4 2025 | $92K | +$9K | +10.8% |
| Q3 2025 | $83K | $0 | 0.0% |
| Q2 2025 | $83K | +$4K | +5.1% |
| Q1 2025 | $79K | −$7K | −8.1% |
| Q4 2024 | $86K | +$4K | +4.9% |
| Q3 2024 | $82K | +$3K | +3.8% |
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.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Service charge | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Record Research Fee; Per item charge (checks, statements, etc.) | $5Below the U.S. middle 50% ($6 to $25 nationally) | per item | None |
Overdraft & NSF | |||
| Return Item Charge | $20Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM/Debit Card transactions at all other ATM's | $0.75Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Debit Card Replacement Fee | $12Above the U.S. middle 50% ($5 to $10 nationally) | 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 | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Outgoing; "Customer Only" - International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check - "Customer Only" | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Request (if amount, payee and check number given) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Request (incomplete information) | $40Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check Fee; (per printed page) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
Digital & Electronic | |||
| Internet Banking and Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | 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) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | 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
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.
Where First State Bank operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $354.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $354.3M |
Largest competitors nearby
Local market: Breckinridge county, KY, where it holds the most deposits.
| 2 in its local market | Deposit share |
|---|---|
| The Cecilian Bank | 33.1% |
| First Financial Bank, National Association | 4.5% |
This bank holds 62.4% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
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.