The First State Bank of Shelby

Headquarters: Shelby, Montana
Charter: Bank
Assets: $175.6M
Fed district: Minneapolis
Regulator: FDIC
Holding company: Prairie Bancshares Corp.

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

Source: its fee schedule, read Nov 1, 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 Nov 1, 2026

How these figures are measured

Call-report figures are for The First State Bank of Shelby 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.	The First State Bank of Shelby's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: The First State Bank of Shelby (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 $18K in Q2 2026, 5.3% below the same quarter a year earlier ($19K).
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
The First State Bank of Shelby: $4.50
The First State Bank of Shelby: $4.50
U.S. median: no median
Wire Transfer (Domestic Out)
The First State Bank of Shelby: $15
The First State Bank of Shelby: $15
U.S. median: no median
Stop Payment
The First State Bank of Shelby: $10
The First State Bank of Shelby: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Montana, the Minneapolis 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).
Montana: Banks and credit unions headquartered in Montana that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 5.3% from Q3 2025 to Q2 2026, to $18K.

Service-charge income, Q2 2026

$18K

$19KQ3 2025

$20KQ4 2025

$18KQ1 2026

$18KQ2 2026

Against the median

The First State Bank of ShelbyMedian

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

The First State Bank of Shelby · $176M 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
$170M to $181M 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
The First State Bank of Shelby(this institution)	Shelby, MT	$176M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
American Bank of Baxter Springs	Baxter Springs, KS	$170M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Clarkson	Clarkson, KY	$178M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Hydro	Hydro, OK	$181M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Prairie Village	Prairie Village, KS	$176M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of South Texas	Mcallen, TX	$175M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Citizens Bank and Trust of Lebanon, Inc.	Lebanon, KY	$173M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community State Bank	Royal Center, IN	$176M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers and Merchants Bank	Sylvania, GA	$171M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Farmers National Bank	Phillipsburg, KS	$173M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Farmers State Bank & Trust Co.	Church Point, LA	$175M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First New Mexico Bank, Las Cruces	Las Cruces, NM	$172M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Iroquois Farmers State Bank	Iroquois, IL	$174M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
LNB Community Bank	Lynnville, IN	$181M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Millville Savings Bank	Millville, NJ	$170M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sharon Bank	Springfield, PA	$173M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Slovenian Savings and Loan Association of Franklin-Conemaugh	Conemaugh, PA	$181M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Reeseville	Reeseville, WI	$170M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
State Bank of Whittington	Benton, IL	$180M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Farmers State Bank of Aliceville, Kansas	Westphalia, KS	$180M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Goose River Bank	Mayville, ND	$173M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Warrington Bank	Pensacola, FL	$174M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Town Center Bank	Frankfort, IL	$181M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Twin River Bank	Lewiston, ID	$173M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Utah Independent Bank	Salina, UT	$171M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Woodland Bank	Deer River, MN	$177M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2 (31%) below the median of similar-sized banks.

Its published price is $4.50, against a peer median of $6.50 among 13 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

The First State Bank of S…Peer (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 The First State Bank of Shelby (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: $18K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: −$1K−5.3%; from Q2 2025
vs start of range: +$1K+5.9%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: The First State Bank of Shelby (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	$18K	$0	0.0%
Q1 2026	$18K	−$2K	−10.0%
Q4 2025	$20K	+$1K	+5.3%
Q3 2025	$19K	$0	0.0%
Q2 2025	$19K	+$1K	+5.6%
Q1 2025	$18K	+$1K	+5.9%
Q4 2024	$17K	$0	0.0%
Q3 2024	$17K	$0	0.0%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Service charge$4.50
Dormant Account Fee - Per Month - After 24 Months with No Activity$2
per month
Account Research - Per Hour$15
Not compared: Charged per hour; comparison unavailable
per hour
Excess activity fee$10
per transaction

Overdraft & NSF

Non-Sufficient Fund Item Paid Daily Cap$30
per day
Non-Sufficient Fund Item Returned Daily Cap$60
per day

ATM & Card

Debit Card Replacement Fee$10

Wire Transfers

Domestic Wire Transfer - Each - Customer$15
per item
Foreign - International Wire Transfers$50
per item

Check Services

Cashier Checks$1
Stop Payment Fee$10

Digital & Electronic

Bill Pay - Overnight Check Fee$35

Cash & Deposit

Return Deposit Items - Plus Correspondent Bank Fee$10

Account Services

Safe Deposit Box 10 x 10$40
Safe Deposit Box 2 x 5$7
Safe Deposit Box 3 x 10$20
Safe Deposit Box 3 x 5$10
Safe Deposit Box 5 x 10$25
Safe Deposit Box 5 x 5$15
Executions - Garnishments - Levies$50
per item

Fee	Amount	Basis	Note
Account Maintenance
Service charge	$4.50	Not stated	None
Dormant Account Fee - Per Month - After 24 Months with No Activity	$2	per month	None
Account Research - Per Hour	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Excess activity fee	$10	per transaction	None
Overdraft & NSF
Non-Sufficient Fund Item Paid Daily Cap	$30	per day	None
Non-Sufficient Fund Item Returned Daily Cap	$60	per day	None
ATM & Card
Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Domestic Wire Transfer - Each - Customer	$15	per item	None
Foreign - International Wire Transfers	$50	per item	None
Check Services
Cashier Checks	$1	Not stated	None
Stop Payment Fee	$10	Not stated	None
Digital & Electronic
Bill Pay - Overnight Check Fee	$35	Not stated	None
Cash & Deposit
Return Deposit Items - Plus Correspondent Bank Fee	$10	Not stated	None
Account Services
Safe Deposit Box 10 x 10	$40	Not stated	None
Safe Deposit Box 2 x 5	$7	Not stated	None
Safe Deposit Box 3 x 10	$20	Not stated	None
Safe Deposit Box 3 x 5	$10	Not stated	None
Safe Deposit Box 5 x 10	$25	Not stated	None
Safe Deposit Box 5 x 5	$15	Not stated	None
Executions - Garnishments - Levies	$50	per item	None

Correct a fee source

Nov 1, 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 The First State Bank of Shelby operates, and what regulators and customers have on file.

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.

Fee change alerts

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