First State Bank

Headquarters: Socorro, New Mexico
Charter: Bank
Assets: $188.0M
Fed district: Dallas

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

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

Explore Hamilton View published fees

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.

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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 monthly maintenance changes in our data

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

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.

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.