First State Bank

Headquarters: Socorro, New Mexico
Charter: Bank
Assets: $188.0M
Fed district: Dallas
Regulator: FDIC
Holding company: Bbs Corp.

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

Source: its fee schedule, read Oct 20, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 20, 2026

How these figures are measured

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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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.	First State Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 20, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: First State Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $40K in Q2 2026, 25% above the same quarter a year earlier ($32K).
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.

Monthly Maintenance
First State Bank: $20
First State Bank: $20
U.S. median: no median
Overdraft (OD)
First State Bank: $46
First State Bank: $46
U.S. median: no median
NSF / Returned Item
First State Bank: $36
First State Bank: $36
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Mexico, the Dallas 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).
New Mexico: Banks and credit unions headquartered in New Mexico that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 rose 25% from Q3 2025 to Q2 2026, to $40K.

Service-charge income, Q2 2026

$40K

$32KQ3 2025

$31KQ4 2025

$31KQ1 2026

$40KQ2 2026

Against the median

First State BankMedian

Sources and open questions

FDIC 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

First State Bank · $188M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$184M to $193M in assets
Headquartered in 17 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
First State Bank(this institution)	Socorro, NM	$188M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BankPacific, Ltd	Hagatna, GU	$192M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bristol Morgan Bank	Oakfield, WI	$191M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Federal Savings Bank	Leavenworth, KS	$190M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Citizens Savings Bank and Trust Company	Nashville, TN	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Bank	Topeka, KS	$189M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers State Bank	West Salem, OH	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers Trust & Savings Bank	Williamsburg, IA	$192M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Savings and Loan Association of Bath	Bath, ME	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Federal Savings Bank of Champaign Urbana	Champaign, IL	$193M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Federal Savings of Middletown	Middletown, NY	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Independence Bank	Independence, OH	$191M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Peoples Bank	Paris, TX	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Peoples Savings Bank	Wellsburg, IA	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pine River State Bank	Pine River, MN	$185M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Prairie Community Bank	Marengo, IL	$188M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Bement	Bement, IL	$186M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Southwest Missouri	Springfield, MO	$184M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Raymond	Raymond, IL	$187M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First State Bank of Malta	Malta, MT	$190M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Home National Bank of Thorntown	Thorntown, IN	$186M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Peoples Savings Bank	Urbana, OH	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
United Republic Bank	Elkhorn, NE	$186M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Valley Central Bank	Liberty Township, OH	$187M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	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
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 · 16 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $13.01 (186%) above the median of similar-sized banks.

Its published price is $20, against a peer median of $6.99 among 16 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

First State BankPeer (equal prices stack)Peer median

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 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 First State Bank (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: $40K
vs prior quarter: +$9K+29.0%; from Q1 2026
vs a year earlier: +$8K+25.0%; from Q2 2025
vs start of range: +$8K+25.0%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: First State Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$40K	+$9K	+29.0%
Q1 2026	$31K	$0	0.0%
Q4 2025	$31K	−$1K	−3.1%
Q3 2025	$32K	$0	0.0%
Q2 2025	$32K	−$3K	−8.6%
Q1 2025	$35K	−$1K	−2.8%
Q4 2024	$36K	+$4K	+12.5%
Q3 2024	$32K	−$1K	−3.0%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First State Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service fee.$20
per month
Minimum Balance$12
per month
Quarterly service fee (balance falls below $300)$9
Not compared: Quarterly charge, not monthly
per quarter
Account Closed within 90 days$30
Dormant Account Fee$7
Balancing Assistance$20
Not compared: Charged per hour; comparison unavailable
per hour
Excess Withdrawals$30

Overdraft & NSF

Overdraft Item$46
per item
Returned Check Fee$36
per item
Daily Overdraft Fees$3
per day

ATM & Card

Foreign ATM Transactions$2
per item
Replacement ATM/Debit Card$10

Wire Transfers

Domestic Wire Transfer$20
Foreign Wire Transfer$50

Check Services

Cashier Check$8
Stop Payment$36
per item
Stop Payment$36
Temporary Checks$3
per item
Check copies$2
per item

Digital & Electronic

BillPayment(s) in excess of ten (10) per month$0.55
Not compared: Per-item charge, not monthly
per item
Initial Setup Charge for BillPay$2.14

Cash & Deposit

Chargeback$15
per item

Account Services

Tax Levy/Garnishment Fee$150

Retirement & IRA

IRA Closeout Fee$40

Other Fees

Incoming FAX$2
per item
Outgoing FAX$2
per item
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$10
Non-Real Estate Loan Documentation Fee$150
Real Estate Loan Documentation Fee$350

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service fee.	$20	per month	None
Minimum Balance	$12	per month	None
Quarterly service fee (balance falls below $300)	$9Not compared: Quarterly charge, not monthly	per quarter	None
Account Closed within 90 days	$30	Not stated	None
Dormant Account Fee	$7	Not stated	None
Balancing Assistance	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Excess Withdrawals	$30	Not stated	None
Overdraft & NSF
Overdraft Item	$46	per item	None
Returned Check Fee	$36	per item	None
Daily Overdraft Fees	$3	per day	None
ATM & Card
Foreign ATM Transactions	$2	per item	None
Replacement ATM/Debit Card	$10	Not stated	None
Wire Transfers
Domestic Wire Transfer	$20	Not stated	None
Foreign Wire Transfer	$50	Not stated	None
Check Services
Cashier Check	$8	Not stated	None
Stop Payment	$36	per item	None
Stop Payment	$36	Not stated	None
Temporary Checks	$3	per item	None
Check copies	$2	per item	None
Digital & Electronic
BillPayment(s) in excess of ten (10) per month	$0.55Not compared: Per-item charge, not monthly	per item	None
Initial Setup Charge for BillPay	$2.14	Not stated	None
Cash & Deposit
Chargeback	$15	per item	None
Account Services
Tax Levy/Garnishment Fee	$150	Not stated	None
Retirement & IRA
IRA Closeout Fee	$40	Not stated	None
Other Fees
Incoming FAX	$2	per item	None
Outgoing FAX	$2	per item	None
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$10	Not stated	None
Non-Real Estate Loan Documentation Fee	$150	Not stated	None
Real Estate Loan Documentation Fee	$350	Not stated	None

Account Maintenance

Account Closed within 90 days$30
Dormant Account Fee$7
Balancing Assistance$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Item$46
per item
Returned Check Fee$36
per item
Daily Overdraft Fees$3
per day

ATM & Card

Foreign ATM Transactions$2
per item
Replacement ATM/Debit Card$10

Wire Transfers

Domestic Wire Transfer$20
Foreign Wire Transfer$50

Check Services

Cashier Check$8
Stop Payment$36
Temporary Checks$3
per item
Check copies$2
per item

Digital & Electronic

Business Online Bill Pay$10
per month

Cash & Deposit

Chargeback$15
per item

Account Services

Tax Levy/Garnishment Fee$150
Business Deposit Verification$25

Retirement & IRA

IRA Closeout Fee$40

Other Fees

Incoming FAX$2
per item
Outgoing FAX$2
per item
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$10
Non-Real Estate Loan Documentation Fee$150
Real Estate Loan Documentation Fee$350

Fee	Amount	Basis	Note
Account Maintenance
Account Closed within 90 days	$30	Not stated	None
Dormant Account Fee	$7	Not stated	None
Balancing Assistance	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Item	$46	per item	None
Returned Check Fee	$36	per item	None
Daily Overdraft Fees	$3	per day	None
ATM & Card
Foreign ATM Transactions	$2	per item	None
Replacement ATM/Debit Card	$10	Not stated	None
Wire Transfers
Domestic Wire Transfer	$20	Not stated	None
Foreign Wire Transfer	$50	Not stated	None
Check Services
Cashier Check	$8	Not stated	None
Stop Payment	$36	Not stated	None
Temporary Checks	$3	per item	None
Check copies	$2	per item	None
Digital & Electronic
Business Online Bill Pay	$10	per month	None
Cash & Deposit
Chargeback	$15	per item	None
Account Services
Tax Levy/Garnishment Fee	$150	Not stated	None
Business Deposit Verification	$25	Not stated	None
Retirement & IRA
IRA Closeout Fee	$40	Not stated	None
Other Fees
Incoming FAX	$2	per item	None
Outgoing FAX	$2	per item	None
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$10	Not stated	None
Non-Real Estate Loan Documentation Fee	$150	Not stated	None
Real Estate Loan Documentation Fee	$350	Not stated	None

Correct a fee source

Oct 20, 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.

Fee change alerts

Get an email when First State Bank's early account closure changes in our data

We check once a day and send one email covering every change.