Compared with Texas
9 of 17
compared fees are above the median.
5 below, 3 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
82nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Texas median
of 17 compared; 5 below, 3 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Bank of South Texas 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 Texas median | Published fees above the Texas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Bank of South Texas'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
Service charges were 4.1% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (82nd 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 $121K in Q2 2026, 19% above the same quarter a year earlier ($102K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
9 of 17 compared published fees sit above the Texas median; 5 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 Texas medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $6, the middle of its prices
Stop Payment
Wire Transfer (Int'l Out)
Each amount links to the fee schedule it was read from. Medians for Texas, 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 6.1% from Q3 2025 to Q2 2026, to $121K. Its share of revenue, 4.1%, is above the 2.1% median for banks with under $300M in assets.
$121K
Bank of South TexasMedian
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. *Monthly maintenance: Listed at $4 to $10; we compare the midpoint.
Bank of South Texas · $175M 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 |
|---|---|---|---|---|---|---|---|
| Bank of South Texas(this institution) | Mcallen, TX | $175M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | 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 |
| 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 First State Bank of Shelby | Shelby, MT | $176M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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.
Peer pricing snapshot
Compared at $6, the middle of its five prices, against a peer median of $6.50 among 13 publishing peers.
Its five checking prices are $4, $5, $6, $8 and $10.
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 Bank of South Texas (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 | $121K | +$11K | +10.0% |
| Q1 2026 | $110K | −$6K | −5.2% |
| Q4 2025 | $116K | +$2K | +1.8% |
| Q3 2025 | $114K | +$12K | +11.8% |
| Q2 2025 | $102K | −$16K | −13.6% |
| Q1 2025 | $118K | −$2K | −1.7% |
| Q4 2024 | $120K | +$5K | +4.3% |
| Q3 2024 | $115K | −$8K | −6.5% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Bank of South Texas left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Bank of South Texas by share.
Amounts from Bank of South Texas’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per hour
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $6Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Monthly Maintenance | $8Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Monthly Maintenance | $4Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Monthly Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account closed within 90 days of opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account balancing assistance | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account research | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Undeliverable Mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Sweep Overdraft protection fee ( Transfer Charge) | $12Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM cash withdrawal at other bank locations - Dollar Limit | $2.50Not compared: Daily charge, not per item | per day | None |
| Replace lost ATM card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replace lost MasterCard Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Foreign wire transfers - Outgoing | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's checks | $8Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop payments | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payments - checks | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary checks | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check cashing fee | 1%($10 minimum) | Not stated | None |
| Image Copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposited checks (and other items) returned unpaid (charge backs) | $5Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary fee | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe deposit box - Drilling fee - Key deposit | $150Not compared: Box drilling or key fee | per item | None |
| Levies/Garnishments | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Account verification | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Copy of previous statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax - Outgoing/Incoming | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Payoff Statement | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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.
Where Bank of South Texas operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state, $141.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 4 | $84.5M | |
| Outside a metro area | 3 | $55.4M |
| 1 | $1.1M |
McAllen-Edinburg-Mission, TX
0.5% of bank deposits, #15 of 20, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| International Bank of Commerce | 15.5% |
| Lone Star National Bank | 14.1% |
| Vantage Bank Texas | 10.8% |
| JPMorgan Chase Bank, National Association | 8.7% |
| PNC Bank, National Association | 8.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In McAllen-Edinburg-Mission, TX, Bank of South Texas holds 0.5% of bank deposits, #15 of 20, with 4 offices.
170 offices of 28 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.
9 of 20 institutions shown. $16.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.5% share, 4 offices, #15 of 20
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
24 offices of 9 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 Texas Department of Banking
The Texas Department of Banking has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Texas Department of Banking, 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.