Compared with Iowa
13 of 23
compared fees are above the median.
4 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
81st percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Iowa median
of 23 compared; 4 below, 6 about the same
See the feesFee schedule read Oct 24, 2026
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) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M 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 Iowa median | Published fees above the Iowa 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
Service charges were 3.9% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (81st 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 $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.
13 of 23 compared published fees sit above the Iowa median; 4 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 Iowa medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Wire Transfer (Domestic Out)
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.
Service-charge income fell 12% from Q3 2025 to Q2 2026, to $68K. Its share of revenue, 3.9%, is above the 2.1% median for banks with under $300M in assets.
$68K
State Bank & Trust Co.Median
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for State Bank & Trust Co. (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 | $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% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, State Bank & Trust Co. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to State Bank & Trust Co. by share.
Amounts from State Bank & Trust Co.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per item
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Automatic Minimum Balance Transfer Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account closed within 180 days of opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (after 14 months inactivity)per mo | $15Above the U.S. middle 50% ($5 to $10 nationally) | 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 | $4Inside the U.S. middle 50% ($2 to $4.98 nationally) | 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) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned NSF Presented Item# (audience not stated, treated as personal) | $10Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Automatic Overdraft Transfer Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM/Debit Card Replacement Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| WIRE TRANSFERS: Domestic – Outgoing (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| WIRE TRANSFERS: International – Outgoing (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier Check (audience not stated, treated as personal) | $8Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment (check/ACH item) (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| STOP PAYMENT/WATCH: Watch Request (6 months) (audience not stated, treated as personal) | $50Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing – Non Client | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Item | $50Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Charge Back of Returned Deposited Items (audience not stated, treated as personal) | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Night Depository Key (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Notary | $15Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 10x10 Safe Deposit Box Annual Rent (audience not stated, treated as personal) | $115Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3x10 Safe Deposit Box Annual Rent (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3x5 Safe Deposit Box Annual Rent (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5 x 5 Safe Deposit Box Annual Rent (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5x10 Safe Deposit Box Annual Rent (audience not stated, treated as personal) | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | 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 | $75Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| IRS Levy Fee Plus Legal Fees Incurred | $75Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Annual Fee | $15Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Transfer to another Custodian | $40Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copies (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Duplicate Statement (per statement) (audience not stated, treated as personal) | $4Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax Service (Per Page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | 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
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $10 | per month | None |
| Automatic Minimum Balance Transfer Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account closed within 180 days of opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (after 14 months inactivity)per mo | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Automatic Overdraft Transfer Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM/Debit Card Replacement Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Check Cashing – Non Client | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Item | $50Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Commercial Coin Counting | 10%($5 minimum, $25 maximum) | Not stated | None |
Account Services | |||
| Notary | $15Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishment Fee Plus Legal Fees Incurred | $75Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| IRS Levy Fee Plus Legal Fees Incurred | $75Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Annual Fee | $15Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Transfer to another Custodian | $40Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copies (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax Service (Per Page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
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.
Where State Bank & Trust Co. operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $174.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $174.3M |
Ames, IA
4.6% of bank deposits, #7 of 26, down 0.5 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| First National Bank, Ames, Iowa | 17.6% |
| U.S. Bank National Association | 13.1% |
| VISIONBANK OF IOWA | 10% |
| South Story Bank & Trust | 9.1% |
| Availa Bank | 8.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Ames, IA, State Bank & Trust Co. holds 4.6% of bank deposits, #7 of 26, with 1 office.
59 offices of 31 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 26 institutions shown. $3.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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.
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 4, 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.
Holding company
AMES NATIONAL CORP (Nasdaq: ATLO)
Consolidated assets
$2.1B
Shareholders' equity
$213.1M
As of
2026Q2
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 1132651. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.