First State Bank of Le Center

Headquarters: Le Center, Minnesota
Charter: Bank
Assets: $110.4M
Fed district: Minneapolis
Regulator: FDIC
Holding company: First St Agency of Le Ctr Inc.

Explore Hamilton View published fees

Compared with Minnesota

5 of 12

compared fees are above the median.

5 below, 2 about the same.

About the same: within 1% of the median.

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
65th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Minnesota median
of 12 compared; 5 below, 2 about the same
See the fees
Fee schedule read Oct 30, 2026

How these figures are measured

Call-report figures are for First State Bank of Le Center 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 Minnesota median	Published fees above the Minnesota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First State Bank of Le Center's published fee schedule; Bank Fee Index medians	Current schedule	Oct 30, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First State Bank of Le Center (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 charges were 2.8% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (65th 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 $37K in Q2 2026, 23% above the same quarter a year earlier ($30K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
5 of 12 compared published fees sit above the Minnesota 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.

Fees against the market

Comparison with Minnesota medians for fees published by banks and credit unions.

Overdraft (OD)
First State Bank of Le Center: $25
First State Bank of Le Center: $25
Minnesota median: $3068 publishMinneapolis district median: $30152 publishU.S. median: $302,600 publish
NSF / Returned Item
First State Bank of Le Center: $25
First State Bank of Le Center: $25
Minnesota median: $28.5076 publishMinneapolis district median: $30159 publishU.S. median: $302,857 publish
Wire Transfer (Domestic Out)
First State Bank of Le Center: $25
First State Bank of Le Center: $25
Minnesota median: $2579 publishMinneapolis district median: $25162 publishU.S. median: $252,626 publish

Published schedulesBanks and credit unionsRead Oct 30, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, 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).
Minnesota: Banks and credit unions headquartered in Minnesota 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 was about level from Q3 2025 to Q2 2026, at $37K. Its share of revenue, 2.8%, is above the 2.1% median for banks with under $300M in assets.

Service-charge income, Q2 2026

$37K

$37KQ3 2025

$29KQ4 2025

$32KQ1 2026

$37KQ2 2026

Against the median (MN for fees)

Share of revenue2.8% / 2.1%
Overdraft$25 / $30

First State Bank of Le CenterMedian

Sources and open questions

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.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

First State Bank of Le Center · $110M 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
$105M to $116M 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 of Le Center(this institution)	Le Center, MN	$110M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Bozeman	Bozeman, MT	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Erath	Erath, LA	$105M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Covington County Bank	Collins, MS	$109M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Farmers and Mechanics Federal Savings Bank	Bloomfield, IN	$114M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Mutual Bank, FSB	Belpre, OH	$110M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank	Heavener, OK	$113M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First National Bank of Kansas	Burlington, KS	$106M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Bank Minnesota	Le Roy, MN	$106M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Monroe Savings Bank	Williamstown, NJ	$114M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Peoples Bank of Greensboro	Greensboro, AL	$116M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Platte Valley Bank	North Bend, NE	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Portage Bank	Bellevue, WA	$116M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Richland County Bank	Richland Center, WI	$114M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rushford State Bank (Incorporated)	Rushford, MN	$115M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Magnolia Company	Magnolia, OH	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Commercial Bank Of Ozark	Ozark, AL	$115M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
The Exchange State Bank of St. Paul, Kansas	Saint Paul, KS	$105M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First State Bank of Healy	Healy, KS	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Lytle State Bank of Lytle, Texas	Lytle, TX	$115M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Peoples Bank	Sardis, TN	$113M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Peoples Bank	Willacoochee, GA	$109M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Peoples Savings and Loan Company	West Liberty, OH	$110M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Sherwood State Bank	Sherwood, OH	$108M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Warsaw Federal Savings and Loan Association	Cincinnati, OH	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
White State Bank	South English, IA	$109M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

First State Bank of Le Center does not publish a monthly maintenance fee in the index.

The peer median is $6.75 among 18 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 Bank of Le Center does not publish a monthly maintenance fee, so it is not on this chart.

First State Bank of Le Ce…Peer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 of Le Center (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: $37K
vs prior quarter: +$5K+15.6%; from Q1 2026
vs a year earlier: +$7K+23.3%; from Q2 2025
vs start of range: +$7K+23.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First State Bank of Le Center (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	$37K	+$5K	+15.6%
Q1 2026	$32K	+$3K	+10.3%
Q4 2025	$29K	−$8K	−21.6%
Q3 2025	$37K	+$7K	+23.3%
Q2 2025	$30K	−$3K	−9.1%
Q1 2025	$33K	−$4K	−10.8%
Q4 2024	$37K	+$7K	+23.3%
Q3 2024	$30K	−$5K	−14.3%

Service-charge share against its size cohort

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 of Le Center left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

First State Bank of Le Center: 2.8%
Percentile: 65th
25th percentile: 1.1%
Median: 2.1%
75th percentile: 3.4%

First State Bank of Le Center 2.8%Median 2.1%Middle half 1.1% to 3.4%Peers at each share13 above 15%, counted in the last bar

Find a peer (1,681)

The 15 closest to First State Bank of Le Center by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

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

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Account Balancing Assistance$25
Inside the U.S. middle 50% ($6.25 to $25 nationally)
Account Research$25
Inside the U.S. middle 50% ($6.25 to $25 nationally)

Overdraft & NSF

Each Overdraft Paid$25
Inside the U.S. middle 50% ($25 to $33 nationally)
per item
Each Returned Item$25
Inside the U.S. middle 50% ($25 to $32 nationally)
per item
Nonsufficient Funds$25
Inside the U.S. middle 50% ($25 to $32 nationally)
Charged Every 7th Consecutive Business Day of Continuous Overdraft$25
Above the U.S. middle 50% ($5 to $15 nationally)

ATM & Card

Replacement or Lost Debit Card$15
Above the U.S. middle 50% ($5 to $10 nationally)

Wire Transfers

Wire Transfer: Outgoing—Domestic$25
Inside the U.S. middle 50% ($20 to $25 nationally)

Check Services

Bank Money Order$3
Inside the U.S. middle 50% ($2 to $3 nationally)
Stop Payment: Check/ACH$20
Inside the U.S. middle 50% ($20 to $30 nationally)

Digital & Electronic

Bill Pay: Overnight Delivery$14.95
Above the U.S. middle 50% ($0 to $6 nationally)
BILL PAY: SAME-DAYACH$9.95
Above the U.S. middle 50% ($0 to $6 nationally)

Account Services

Notary Services$5
Inside the U.S. middle 50% ($0 to $5 nationally)
Garnishment Processing Fee$25
Below the U.S. middle 50% ($30 to $85 nationally)

Other Fees

Copy of Statement$2
Inside the U.S. middle 50% ($2 to $5 nationally)
Send Fax$1
Below the U.S. middle 50% ($2 to $5 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Balancing Assistance	$25Inside the U.S. middle 50% ($6.25 to $25 nationally)	Not stated	None
Account Research	$25Inside the U.S. middle 50% ($6.25 to $25 nationally)	Not stated	None
Overdraft & NSF
Each Overdraft Paid	$25Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
Each Returned Item	$25Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
Nonsufficient Funds	$25Inside the U.S. middle 50% ($25 to $32 nationally)	Not stated	None
Charged Every 7th Consecutive Business Day of Continuous Overdraft	$25Above the U.S. middle 50% ($5 to $15 nationally)	Not stated	None
ATM & Card
Replacement or Lost Debit Card	$15Above the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Wire Transfers
Wire Transfer: Outgoing—Domestic	$25Inside the U.S. middle 50% ($20 to $25 nationally)	Not stated	None
Check Services
Bank Money Order	$3Inside the U.S. middle 50% ($2 to $3 nationally)	Not stated	None
Stop Payment: Check/ACH	$20Inside the U.S. middle 50% ($20 to $30 nationally)	Not stated	None
Digital & Electronic
Bill Pay: Overnight Delivery	$14.95Above the U.S. middle 50% ($0 to $6 nationally)	Not stated	None
BILL PAY: SAME-DAYACH	$9.95Above the U.S. middle 50% ($0 to $6 nationally)	Not stated	None
Account Services
Notary Services	$5Inside the U.S. middle 50% ($0 to $5 nationally)	Not stated	None
Garnishment Processing Fee	$25Below the U.S. middle 50% ($30 to $85 nationally)	Not stated	None
Other Fees
Copy of Statement	$2Inside the U.S. middle 50% ($2 to $5 nationally)	Not stated	None
Send Fax	$1Below the U.S. middle 50% ($2 to $5 nationally)	per item	None

Correct a fee source

Oct 30, 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 First State Bank of Le Center operates, and what regulators and customers have on file.

Branch footprint

2 offices in 1 state, $92.3M in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

	1	$66.3M
Outside a metro area	1	$26.0M

Minneapolis-St. Paul-Bloomington, MN-WI

0% of bank deposits, #107 of 125, unchanged over five years.

Largest competitors here	Deposit share
U.S. Bank National Association	40.8%
Wells Fargo Bank, National Association	20.3%
Ameriprise Bank, FSB	9.5%
Old National Bank	2.9%
The Huntington National Bank	2.6%

Fees in Le Center →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In Minneapolis-St. Paul-Bloomington, MN-WI, First State Bank of Le Center holds 0% of bank deposits, #107 of 125, with 1 office.

Compare fees with the 89 Minneapolis-St. Paul-Bloomington, MN-WI banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 143 institutions shown.

First State Bank of Le CenterOther banksCredit unions

Showing 900 of 947 offices: the largest institutions' offices, with banks and credit unions in proportion.

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Minneapolis-St. Paul-Bloomington, MN-WI metro (FDIC metro code 33460), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 24 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1U.S. Bank National Association40.8%
2Wells Fargo Bank, National Association20.3%
3Ameriprise Bank, FSB9.5%
4Old National Bank2.9%
5The Huntington National Bank2.6%
6Bell Bank1.9%
7BMO Bank National Association1.9%
8Bank of America, National Association1.7%
107First State Bank of Le Center0.0%

9 of 125 institutions shown. $253.2B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Minneapolis-St. Paul-Bloomington, MN-WI metro (FDIC metro code 33460)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0% share, 1 office, #107 of 125

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Minneapolis-St. Paul-Bloomington, MN-WI metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

233 offices of 54 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 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

Get an email when First State Bank of Le Center's safe deposit box changes in our data

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