State Bank & Trust Co.

Headquarters: Nevada, Iowa
Charter: Bank
Assets: $197.6M
Fed district: Chicago

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

Source: its fee schedule, read Oct 24, 2026.

Overview

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
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 24, 2026

How these figures are measured

Call-report figures are for State Bank & Trust Co. 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) 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 Co.'s published fee schedule; Bank Fee Index medians	Current schedule	Oct 24, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: State Bank & Trust Co. (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $68K in Q2 2026, 9.3% below the same quarter a year earlier ($75K).
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 Co.: $32
State Bank & Trust Co.: $32
U.S. median: no median
NSF / Returned Item
State Bank & Trust Co.: $10
State Bank & Trust Co.: $10
U.S. median: no median
Wire Transfer (Domestic Out)
State Bank & Trust Co.: $25
State Bank & Trust Co.: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 24, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago 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).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 12% from Q3 2025 to Q2 2026, to $68K.

Service-charge income, Q2 2026

$68K

$77KQ3 2025

$74KQ4 2025

$72KQ1 2026

$68KQ2 2026

Against the median

State Bank & Trust Co.Median

Sources and open questions

FFIEC 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 Co. · $198M 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
$193M to $202M 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 Co.(this institution)	Nevada, IA	$198M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank 21	Carrollton, MO	$202M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Delight	Delight, AR	$201M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Chelsea Savings Bank	Belle Plaine, IA	$197M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
Citizens State Bank	Sheldon, IA	$195M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Elkton Bank & Trust Company	Elkton, KY	$199M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
Fidelity Bank	Savanna, IL	$199M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frederick Community Bank, The	Paxton, IL	$196M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Gouverneur Savings and Loan Association	Gouverneur, NY	$199M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Horizon Financial Bank	Munich, ND	$201M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Liberty Bank	Liberty, IL	$194M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Lineage Bank	Franklin, TN	$198M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lyons Federal Bank	Lyons, KS	$198M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mount Vernon Bank and Trust Company	Mount Vernon, IA	$195M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Haven Bank	New Haven, CT	$200M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Northern Interstate Bank, N. A.	Norway, MI	$194M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Oklahoma Capital Bank	Tulsa, OK	$196M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PeoplesTrust Bank	Hamilton, AL	$201M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Simmesport State Bank	Simmesport, LA	$198M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Cincinnatus Savings & Loan Co.	Cincinnati, OH	$193M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Farmers State Bank	Quinton, OK	$194M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
The First National Bank of Absecon	Absecon, NJ	$195M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
THE SEILING STATE BANK	Seiling, OK	$195M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Walden Mutual Bank	Concord, NH	$193M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Western Nebraska Bank	Curtis, NE	$193M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wrentham Co-operative Bank	Wrentham, MA	$193M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

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

The peer median is $5.25 among 12 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

State Bank & Trust Co.Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 Co. (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: $68K
vs prior quarter: −$4K−5.6%; from Q1 2026
vs a year earlier: −$7K−9.3%; from Q2 2025
vs start of range: −$7K−9.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: State Bank & Trust Co. (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$68K	−$4K	−5.6%
Q1 2026	$72K	−$2K	−2.7%
Q4 2025	$74K	−$3K	−3.9%
Q3 2025	$77K	+$2K	+2.7%
Q2 2025	$75K	$0	0.0%
Q1 2025	$75K	$0	0.0%
Q4 2024	$75K	$0	0.0%
Q3 2024	$75K	+$8K	+11.9%

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 Co.’s own schedules, with a source for each figure.

Account Maintenance

Automatic Minimum Balance Transfer Charge$5
Account closed within 180 days of opening$25
Dormant Account Fee (after 14 months inactivity)per mo$15
per month
Account Reconciliation (minimum 1 hr) per hour (audience not stated, treated as personal)$45
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (minimum 1 hr) per hour (audience not stated, treated as personal)$45
Not compared: Charged per hour; comparison unavailable
per hour
1 Fee for Mailed Paper Statement if Online Statement is not selected$4
Return Mail (per Item) (audience not stated, treated as personal)$8
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Paid NSF Presented Item# (audience not stated, treated as personal)$32
Returned NSF Presented Item# (audience not stated, treated as personal)$10
Automatic Overdraft Transfer Fee$5

ATM & Card

ATM/Debit Card Replacement Fee$15

Wire Transfers

WIRE TRANSFERS: Domestic – Outgoing (audience not stated, treated as personal)$25
WIRE TRANSFERS: International – Outgoing (audience not stated, treated as personal)$50

Check Services

Cashier Check (audience not stated, treated as personal)$8
Stop Payment (check/ACH item) (audience not stated, treated as personal)$35
STOP PAYMENT/WATCH: Watch Request (6 months) (audience not stated, treated as personal)$50
Counter Checks (audience not stated, treated as personal)$1
Check Cashing – Non Client$20
Collection Item$50

Cash & Deposit

Charge Back of Returned Deposited Items (audience not stated, treated as personal)$5
Night Depository Key (audience not stated, treated as personal)$5

Account Services

Notary$15
10x10 Safe Deposit Box Annual Rent (audience not stated, treated as personal)$115
per year
3x10 Safe Deposit Box Annual Rent (audience not stated, treated as personal)$50
per year
3x5 Safe Deposit Box Annual Rent (audience not stated, treated as personal)$30
per year
5 x 5 Safe Deposit Box Annual Rent (audience not stated, treated as personal)$40
per year
5x10 Safe Deposit Box Annual Rent (audience not stated, treated as personal)$70
per year
Safe Deposit Box – Replacement Key (audience not stated, treated as personal)$25
Not compared: Box drilling or key fee
Safe Deposit Box Rent Late Fee (audience not stated, treated as personal)$10
Not compared: Box drilling or key fee
Garnishment Fee Plus Legal Fees Incurred$75
IRS Levy Fee Plus Legal Fees Incurred$75

Retirement & IRA

IRA Annual Fee$15
per year
IRA Transfer to another Custodian$40

Other Fees

Copies (per page)$1
per item
Duplicate Statement (per statement) (audience not stated, treated as personal)$4
Fax Service (Per Page)$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Automatic Minimum Balance Transfer Charge	$5	Not stated	None
Account closed within 180 days of opening	$25	Not stated	None
Dormant Account Fee (after 14 months inactivity)per mo	$15	per month	None
Account Reconciliation (minimum 1 hr) per hour (audience not stated, treated as personal)	$45Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (minimum 1 hr) per hour (audience not stated, treated as personal)	$45Not compared: Charged per hour; comparison unavailable	per hour	None
1 Fee for Mailed Paper Statement if Online Statement is not selected	$4	Not stated	None
Return Mail (per Item) (audience not stated, treated as personal)	$8Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Paid NSF Presented Item# (audience not stated, treated as personal)	$32	Not stated	None
Returned NSF Presented Item# (audience not stated, treated as personal)	$10	Not stated	None
Automatic Overdraft Transfer Fee	$5	Not stated	None
ATM & Card
ATM/Debit Card Replacement Fee	$15	Not stated	None
Wire Transfers
WIRE TRANSFERS: Domestic – Outgoing (audience not stated, treated as personal)	$25	Not stated	None
WIRE TRANSFERS: International – Outgoing (audience not stated, treated as personal)	$50	Not stated	None
Check Services
Cashier Check (audience not stated, treated as personal)	$8	Not stated	None
Stop Payment (check/ACH item) (audience not stated, treated as personal)	$35	Not stated	None
STOP PAYMENT/WATCH: Watch Request (6 months) (audience not stated, treated as personal)	$50	Not stated	None
Counter Checks (audience not stated, treated as personal)	$1	Not stated	None
Check Cashing – Non Client	$20	Not stated	None
Collection Item	$50	Not stated	None
Cash & Deposit
Charge Back of Returned Deposited Items (audience not stated, treated as personal)	$5	Not stated	None
Night Depository Key (audience not stated, treated as personal)	$5	Not stated	None
Account Services
Notary	$15	Not stated	None
10x10 Safe Deposit Box Annual Rent (audience not stated, treated as personal)	$115	per year	None
3x10 Safe Deposit Box Annual Rent (audience not stated, treated as personal)	$50	per year	None
3x5 Safe Deposit Box Annual Rent (audience not stated, treated as personal)	$30	per year	None
5 x 5 Safe Deposit Box Annual Rent (audience not stated, treated as personal)	$40	per year	None
5x10 Safe Deposit Box Annual Rent (audience not stated, treated as personal)	$70	per year	None
Safe Deposit Box – Replacement Key (audience not stated, treated as personal)	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Rent Late Fee (audience not stated, treated as personal)	$10Not compared: Box drilling or key fee	Not stated	None
Garnishment Fee Plus Legal Fees Incurred	$75	Not stated	None
IRS Levy Fee Plus Legal Fees Incurred	$75	Not stated	None
Retirement & IRA
IRA Annual Fee	$15	per year	None
IRA Transfer to another Custodian	$40	Not stated	None
Other Fees
Copies (per page)	$1	per item	None
Duplicate Statement (per statement) (audience not stated, treated as personal)	$4	Not stated	None
Fax Service (Per Page)	$1	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Monthly fee$10
per month
Automatic Minimum Balance Transfer Charge$5
Account closed within 180 days of opening$25
Dormant Account Fee (after 14 months inactivity)per mo$15
per month

Overdraft & NSF

Automatic Overdraft Transfer Fee$5

ATM & Card

ATM/Debit Card Replacement Fee$15

Check Services

Check Cashing – Non Client$20
Collection Item$50

Cash & Deposit

Commercial Coin Counting10%($5 minimum, $25 maximum)

Account Services

Notary$15
Garnishment Fee Plus Legal Fees Incurred$75
IRS Levy Fee Plus Legal Fees Incurred$75

Retirement & IRA

IRA Annual Fee$15
per year
IRA Transfer to another Custodian$40

Other Fees

Copies (per page)$1
per item
Fax Service (Per Page)$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$10	per month	None
Automatic Minimum Balance Transfer Charge	$5	Not stated	None
Account closed within 180 days of opening	$25	Not stated	None
Dormant Account Fee (after 14 months inactivity)per mo	$15	per month	None
Overdraft & NSF
Automatic Overdraft Transfer Fee	$5	Not stated	None
ATM & Card
ATM/Debit Card Replacement Fee	$15	Not stated	None
Check Services
Check Cashing – Non Client	$20	Not stated	None
Collection Item	$50	Not stated	None
Cash & Deposit
Commercial Coin Counting	10%($5 minimum, $25 maximum)	Not stated	None
Account Services
Notary	$15	Not stated	None
Garnishment Fee Plus Legal Fees Incurred	$75	Not stated	None
IRS Levy Fee Plus Legal Fees Incurred	$75	Not stated	None
Retirement & IRA
IRA Annual Fee	$15	per year	None
IRA Transfer to another Custodian	$40	Not stated	None
Other Fees
Copies (per page)	$1	per item	None
Fax Service (Per Page)	$1	per item	None

Correct a fee source

Oct 24, 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.

Branches and public record

Where State Bank & Trust Co. operates, and what regulators and customers have on file.

Market position

In Ames, IA, State Bank & Trust Co. holds 4.6% of bank deposits, #7 of 26, with 1 office.

Compare fees with the 19 Ames, IA banks and credit unions in its home-metro peer set →

Offices in the metro

59 offices of 31 institutions shown.

State Bank & Trust Co.Other banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Ames, IA metro (FDIC metro code 11180), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1First National Bank, Ames, Iowa17.6%
2U.S. Bank National Association13.1%
3VISIONBANK OF IOWA10.0%
4South Story Bank & Trust9.1%
5Availa Bank8.6%
6Wells Fargo Bank, National Association7.0%
7State Bank & Trust Co.4.6%
8Bankers Trust Company4.4%

8 of 26 institutions shown. $3.8B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Ames, IA metro (FDIC metro code 11180)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 4.6% share, 1 office, #7 of 26

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Ames, IA metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

11 offices of 5 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

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

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