Compared with New Mexico
14 of 20
compared fees are above the median.
2 below, 4 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
61st percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New Mexico median
of 20 compared; 2 below, 4 about the same
See the feesFee schedule read Oct 20, 2026
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 | 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 New Mexico median | Published fees above the New Mexico 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
Service charges were 2.6% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (61st 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 $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.
14 of 20 compared published fees sit above the New Mexico median; 2 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 New Mexico medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income rose 25% from Q3 2025 to Q2 2026, to $40K. Its share of revenue, 2.6%, is above the 2.1% median for banks with under $300M in assets.
$40K
First State BankMedian
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.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for First State Bank (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 | $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% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, First State Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First State Bank by share.
Amounts from First State Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per quarter
per hour
per item
per item
per item
per item
per item
per item
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service fee. | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Minimum Balance | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Quarterly service fee (balance falls below $300) | $9Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Closed within 90 days | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Balancing Assistance | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excess Withdrawals | $30Above the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Item | $46Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Check Fee | $36Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Daily Overdraft Fees | $3Below the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Foreign ATM Transactions | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement ATM/Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Foreign Wire Transfer | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier Check | $8Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $36Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment | $36Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check copies | $2Inside the U.S. middle 50% ($2 to $5 nationally) | 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 | $2.14Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Chargeback | $15Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Tax Levy/Garnishment Fee | $150Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Closeout Fee | $40Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Incoming FAX | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Outgoing FAX | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Non-Real Estate Loan Documentation Fee | $150Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Real Estate Loan Documentation Fee | $350Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
per item
per item
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed within 90 days | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Balancing Assistance | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Item | $46Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Check Fee | $36Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Daily Overdraft Fees | $3Below the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Foreign ATM Transactions | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement ATM/Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Foreign Wire Transfer | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier Check | $8Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $36Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check copies | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Business Online Bill Pay | $10 | per month | None |
Cash & Deposit | |||
| Chargeback | $15Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Tax Levy/Garnishment Fee | $150Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Business Deposit Verification | $25 | Not stated | None |
Retirement & IRA | |||
| IRA Closeout Fee | $40Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Incoming FAX | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Outgoing FAX | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Non-Real Estate Loan Documentation Fee | $150Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Real Estate Loan Documentation Fee | $350Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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.
Where First State Bank operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $160.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $160.5M |
Largest competitors nearby
Local market: Socorro and Catron counties, NM, where it holds the most deposits.
| 2 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 31.8% |
| WaFd Bank | 14.1% |
This bank holds 54.2% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
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 1, 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.
Fee change alerts
We check once a day and send one email covering every change.