Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

First State Bank

Stratford, TexasBankDallas Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant debit card$1Below the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Overdraft Fee$25Within the typical range ($25–$33 nationally)
$5 below the national median$5 below the Texas median
Source
NSF Returned Check$25Within the typical range ($25–$32 nationally)
$5 below the national median$5 below the Texas median
Source

ATM & CardVerified

ATM use charge, non-customer$4Above the typical range ($1–$2.25 nationally)
$2.50 above the national median$2.50 above the Texas median
Source
ATM withdrawal at a non-First State Bank ATM$2Within the typical range ($1–$2.25 nationally)
$0.50 above the national median$0.50 above the Texas median
Source
State Bank ATM$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$0.50 below the Texas median
Source
Replacement ATM or debit card$10Within the typical range ($5–$10 nationally)
At the national median$2.50 above the Texas median
Source

Wire TransfersVerified

Wire Transfers: Domestic, outgoing$15Below the typical range ($20–$25 nationally)
$10 below the national median$5 below the Texas median
Source
Wire Transfers: Domestic, outgoing, non-customer$20Within the typical range ($20–$25 nationally)
$5 below the national medianAt the Texas median
Source

Check ServicesVerified

Cashier's check$3.50Within the typical range ($3–$6 nationally)
$1.50 below the national median$1.50 below the Texas median
Source
Stop payment$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$4.50 below the Texas median
Source
Check cashing, non-customer$12Above the typical range ($5–$10 nationally)
$7 above the national median$7 above the Texas median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Dormant debit card	$1Below the typical range ($5–$10 nationally)	$4 below the national median$4 below the Texas median	per month	—	Source
Minimum research fee	$10Below the typical range ($11–$25 nationally)	$7.50 below the national median$5 below the Texas median	—	—	Source
Overdraft & NSFVerified
Overdraft Fee	$25Within the typical range ($25–$33 nationally)	$5 below the national median$5 below the Texas median	—	—	Source
NSF Returned Check	$25
ATM & CardVerified
ATM use charge, non-customer	$4Above the typical range ($1–$2.25 nationally)	$2.50 above the national median$2.50 above the Texas median	—	—	Source
ATM withdrawal at a non-First State Bank ATM	$2
Wire TransfersVerified
Wire Transfers: Domestic, outgoing	$15Below the typical range ($20–$25 nationally)	$10 below the national median$5 below the Texas median	—	—	Source
Wire Transfers: Domestic, outgoing, non-customer	$20
Check ServicesVerified
Cashier's check	$3.50Within the typical range ($3–$6 nationally)	$1.50 below the national median$1.50 below the Texas median	—	—	Source
Stop payment	$25
Account ServicesVerified
Notary, non-customer	$5Within the typical range ($0–$5 nationally)	$2.50 above the national median$2 above the Texas median	—	—	Source
Gift & Prepaid CardsVerified
Gift card	$3Within the typical range ($3–$4.95 nationally)	$0.50 below the national median$0.50 below the Texas median	per item	—	Source
Other FeesVerified
Photocopies, per page	$0.25Below the typical range ($2–$5 nationally)	$2.75 below the national median$2.75 below the Texas median	per item	—	Source

Fee change alerts

Get an email when First State Bank changes its collection items

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$25

Overdraft fee: $25

17% below the national median overdraft fee

16 verified fees collected

Headline fees published

7 of 15

Published fees

Under review

Assets

$371.9M

Work at First State Bank? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. From $300: we reply within one business day with scope and price.

Request the report

Paid report from $300 · quote within 1 business day

Correct or add a fee source

Fee Insight Pro

Need this every month, for your whole team?

Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.

See Pro plans

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$371.9M

Total deposits

$326.4M

Service charge income

$76K

Fee income ratio

1.9%

Return on assets

2.15%

Branches

Service charge income by quarter

Q2 2026$76K

Q1 2026$79K

Q4 2025$77K

Q3 2025$83K

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 66,441 published fee entries from 3,614 institutions

See pricing