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, $1B to $10B

First Bank

St. Louis, MissouriBankSt. Louis Fed districtFees collected Oct 3, 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

Early Closing Fee$25Within the typical range ($10–$25 nationally)

$7.50 above the national medianAt the Missouri median

Inactive Card for 90 Days or More (Business)$3

$2 below the national median$2 below the Missouri median

per month · Source

Inactivity Fee$8

$3 above the national median$3 above the Missouri median

per month · Source

Excessive Activity Fee – Money Market$25

$7.50 above the national median$7.50 above the Missouri median

per month · Knox extract.rules v31 categorized a line held for review from Rosetta artifact #4694. canonical_hint=account_research; text_hash=e823c0834b2b4f97ced8fb4c61dd71a2894a1d61c16e6bba80837f0a66431d2e; excerpt="Excessive Activity Fee – Money Market3 | $25.00 | Per Statement Cycle" · Source

Excessive Activity Fee – Savings$5

$12.50 below the national median$12.50 below the Missouri median

per month · Source

Paper Statement (Consumer)$3

At the national medianAt the Missouri median

per month · Source

Overdraft & NSFVerified

Overdraft Fee$30Within the typical range ($25–$33 nationally)
At the national median$0.75 above the Missouri median
per item · Source
NSF Return Item Fee$30Within the typical range ($25–$32 nationally)
At the national median$2 above the Missouri median
per item · Source
Returned Items Special Handling Service Fee (Business)$30Within the typical range ($25–$32 nationally)
At the national median$2 above the Missouri median
per month · Source
Overdraft Transfer Fee$10Above the typical range ($2.50–$5 nationally)
$5 above the national median$5 above the Missouri median
per item · Source

ATM & CardVerified

Non-First Bank ATM Withdrawal Fee$3Above the typical range ($1–$2.25 nationally)
$1.50 above the national median$1.50 above the Missouri median
per item · Source
Debit Card Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median$5 below the Missouri median
per item · Source
Expedited Card Fee$35Within the typical range ($30–$50 nationally)
$5 below the national medianAt the Missouri median
per item · Source

Wire TransfersVerified

Outgoing Telephone Wire Transfer with PIN (Consumer)$25Within the typical range ($20–$25 nationally)
At the national medianAt the Missouri median
per item · Source
Outgoing Telephone Wire Transfer with PIN1 (Business)$30Above the typical range ($20–$25 nationally)
$5 above the national median$5 above the Missouri median
per item · Source
Outgoing Wire Transfer (Business)$45Above the typical range ($20–$25 nationally)
$20 above the national median$20 above the Missouri median
per item · Source
Outgoing Wire Transfer (Consumer)$35Above the typical range ($20–$25 nationally)
$10 above the national median$10 above the Missouri median
per item · Source
Incoming Wire Transfer (Business)$17Above the typical range ($5–$15 nationally)
$7 above the national median$7 above the Missouri median
per item · Source
Incoming Wire Transfer (Consumer)$15Within the typical range ($5–$15 nationally)
$5 above the national median$5 above the Missouri median
per item · Source
Outgoing International Wire Transfer (Business)$65Above the typical range ($40–$50 nationally)
$15 above the national median$15 above the Missouri median
per item · Source
Outgoing International Wire Transfer (Consumer)$55Above the typical range ($40–$50 nationally)
$5 above the national median$5 above the Missouri median
per item · Source

Check ServicesVerified

Cashier's Check$7Above the typical range ($3–$6 nationally)
$2 above the national median$2 above the Missouri median
per item · Source
Money Order$5Above the typical range ($1.50–$3 nationally)
$3 above the national median$3 above the Missouri median
per item · Source
Stop Payment Fee (Consumer)$35Above the typical range ($20–$30 nationally)
$7.50 above the national median$7 above the Missouri median
per item · Source
Stop Payment Fee-Manual (Business)$45Above the typical range ($20–$30 nationally)
$17.50 above the national median$17 above the Missouri median
per item · Source
Stop Payment Fee-Online (Business)$40Above the typical range ($20–$30 nationally)
$12.50 above the national median$12 above the Missouri median
per item · Source
Foreign Collection Item$35Above the typical range ($10–$25 nationally)
$15 above the national median$15 above the Missouri median
per item · Source

Cash & DepositVerified

Deposited Item Returned (Business)$17Within the typical range ($8–$25 nationally)
$2 above the national median$7 above the Missouri median
per item · Source
Night Deposit Service (Business)$15Within the typical range ($5–$20 nationally)
$5 above the national median
Source

Account ServicesVerified

Legal Order Processing Fee (Garnishment, Levy, Lien, etc.)$100Above the typical range ($30–$90 nationally)
$50 above the national median$50 above the Missouri median
per item · Source
Verification of Deposit$20Above the typical range ($5–$15 nationally)
$10 above the national median$10 above the Missouri median
per item · Source

Gift & Prepaid CardsVerified

Gift Card (minimum order of 25 cards)$4.95Within the typical range ($3–$4.95 nationally)
$1.45 above the national median$0.95 above the Missouri median
per item · Source

Other FeesVerified

Photocopy$1Below the typical range ($2–$5 nationally)
$2 below the national median$1 below the Missouri median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Early Closing Fee	$25Within the typical range ($10–$25 nationally)	$7.50 above the national medianAt the Missouri median	—	—	Source
Inactive Card for 90 Days or More (Business)	$3Below the typical range ($5–$10 nationally)	$2 below the national median$2 below the Missouri median	per month	—	Source
Inactivity Fee	$8Within the typical range ($5–$10 nationally)	$3 above the national median$3 above the Missouri median	per month	—	Source
Excessive Activity Fee – Money Market	$25Within the typical range ($12–$25 nationally)	$7.50 above the national median$7.50 above the Missouri median	per month	Knox extract.rules v31 categorized a line held for review from Rosetta artifact #4694. canonical_hint=account_research; text_hash=e823c0834b2b4f97ced8fb4c61dd71a2894a1d61c16e6bba80837f0a66431d2e; excerpt="Excessive Activity Fee – Money Market3 \| $25.00 \| Per Statement Cycle"	Source
Excessive Activity Fee – Savings	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$12.50 below the Missouri median	per month	—	Source
Paper Statement (Consumer)	$3Within the typical range ($2–$4.76 nationally)	At the national medianAt the Missouri median	per month	—	Source
Overdraft & NSFVerified
Overdraft Fee	$30Within the typical range ($25–$33 nationally)	At the national median$0.75 above the Missouri median	per item	—	Source
NSF Return Item Fee	$30
ATM & CardVerified
Non-First Bank ATM Withdrawal Fee	$3Above the typical range ($1–$2.25 nationally)	$1.50 above the national median$1.50 above the Missouri median	per item	—	Source
Debit Card Replacement	$5
Wire TransfersVerified
Outgoing Telephone Wire Transfer with PIN (Consumer)	$25Within the typical range ($20–$25 nationally)	At the national medianAt the Missouri median	per item	—	Source
Outgoing Telephone Wire Transfer with PIN1 (Business)	$30
Check ServicesVerified
Cashier's Check	$7Above the typical range ($3–$6 nationally)	$2 above the national median$2 above the Missouri median	per item	—	Source
Money Order	$5
Cash & DepositVerified
Deposited Item Returned (Business)	$17Within the typical range ($8–$25 nationally)	$2 above the national median$7 above the Missouri median	per item	—	Source
Night Deposit Service (Business)	$15
Account ServicesVerified
Legal Order Processing Fee (Garnishment, Levy, Lien, etc.)	$100Above the typical range ($30–$90 nationally)	$50 above the national median$50 above the Missouri median	per item	—	Source
Verification of Deposit	$20
Gift & Prepaid CardsVerified
Gift Card (minimum order of 25 cards)	$4.95Within the typical range ($3–$4.95 nationally)	$1.45 above the national median$0.95 above the Missouri median	per item	—	Source
Other FeesVerified
Photocopy	$1Below the typical range ($2–$5 nationally)	$2 below the national median$1 below the Missouri median	per item	—	Source

Against Missouri banks

Overdraft
$30.00
Of 47 others that publish it, 20 lower, 12 the same and 15 higher.

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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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

33 verified fees collected

Headline fees published

12 of 15

Published fees

Under review

Assets

$6.7B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$6.7B

Total deposits

$5.8B

Service charge income

$3.3M

Fee income ratio

5.3%

Return on assets

0.69%

Branches

Service charge income by quarter

Q2 2026$3.3M

Q1 2026$3.2M

Q4 2025$3.4M

Q3 2025$3.3M

Financial profile · Pro

Performance from regulator filings

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