Compared with Nebraska
6 of 17
compared fees are above the median.
5 below, 6 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
44th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Nebraska median
of 17 compared; 5 below, 6 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for First Bank and Trust Company 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 Nebraska median | Published fees above the Nebraska median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Bank and Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.9% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (44th 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 $16K in Q2 2026, 16% 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.
6 of 17 compared published fees sit above the Nebraska 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 Nebraska medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Health Checking Account $3.95 · Elite Checking $5
Compared at $4.48, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Nebraska, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 16% from Q3 2025 to Q2 2026, to $16K. Its share of revenue, 1.9%, is below the 2.1% median for banks with under $300M in assets.
$16K
First Bank and Trust CompanyMedian
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 $3.95 to $5; we compare the midpoint.
First Bank and Trust Company · $91M 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 Bank and Trust Company(this institution) | Minden, NE | $91M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bandera Bank | Bandera, TX | $89M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Lake Village | Lake Village, AR | $91M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of Yates City | Yates City, IL | $89M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Bank of Missouri | Richmond, MO | $94M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Bank of Oelwein | Oelwein, IA | $95M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Concorde Bank | Blomkest, MN | $88M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Eureka Homestead | Metairie, LA | $89M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Bank of Pike | Molena, GA | $87M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Federal Savings Bank of Washington | Washington, IN | $94M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank | Watonga, OK | $90M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Home National Bank | Racine, OH | $95M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Integrity Bank Plus | Wabasso, MN | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Junction National Bank | Junction, TX | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mayville State Bank | Mayville, MI | $95M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Miners Exchange Bank | Coeburn, VA | $93M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| New Century Bank | Belleville, KS | $89M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| North Cambridge Co-operative Bank | Cambridge, MA | $87M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Rockland Savings Bank, FSB | Rockland, ME | $91M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The First National Bank of Germantown | Germantown, OH | $96M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Johnson | Johnson, NE | $96M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The First National Bank of Manning | Manning, IA | $88M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First State Bank of Red Wing | Red Wing, MN | $86M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Ottoville Bank Company | Ottoville, OH | $94M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The State Exchange Bank | Lamont, OK | $90M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Stock Exchange Bank, Caldwell, Kansas | Caldwell, KS | $90M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $4.48, the middle of its two prices, against a peer median of $8 among 11 publishing peers.
Its two checking prices are $3.95 and $5.
$4.48 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 22, 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 Oct 22, 2026. Total assets from FDIC and NCUA records.
Call reports for First Bank and Trust Company (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 | $16K | −$2K | −11.1% |
| Q1 2026 | $18K | −$3K | −14.3% |
| Q4 2025 | $21K | +$2K | +10.5% |
| Q3 2025 | $19K | $0 | 0.0% |
| Q2 2025 | $19K | $0 | 0.0% |
| Q1 2025 | $19K | −$2K | −9.5% |
| Q4 2024 | $21K | +$4K | +23.5% |
| Q3 2024 | $17K | −$1K | −5.6% |
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 Bank and Trust Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Bank and Trust Company by share.
Amounts from First Bank and Trust Company’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per item
per day
per day
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Elite Checking Monthly Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $3.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account Fee for Checking Accounts | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Reconciliation and Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Return Item Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Return Item Fee daily maximum (audience not stated, treated as personal) | $120Inside the U.S. middle 50% ($100 to $162.50 nationally) | per day | None |
| Return Item Fee daily maximum | $120Inside the U.S. middle 50% ($100 to $162.50 nationally) | per day | None |
ATM & Card | |||
| ATM Service Charge: Outgoing | $4Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Visa Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing – Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfers: Outgoing – International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Wire Transfers:: Outgoing – International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Checks (sold to customers only) | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders (sold to customers only) | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Order | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing Fee (Customers) | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Items | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Cash & Deposit | |||
| Coin Counting (Non-customers) (audience not stated, treated as personal) | 10% | Not stated | None |
| Coin Counting (Non-customers) | 10% | Not stated | None |
| Returned Deposit Fee | $5Below the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service – (Non-customers) | $10Not compared: Charged per document; comparison unavailable | per document | None |
| Lost Key | $20Not compared: Box drilling or key fee | Not stated | None |
| Garnishments & Tax Levies | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Photocopies | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 11, 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 Bank and Trust Company operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $66.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 1 | $66.3M |
Largest competitors nearby
Local market: Kearney county, NE, where it holds the most deposits.
| 3 in its local market | Deposit share |
|---|---|
| Minden Exchange Bank & Trust Company | 55.3% |
| Cornerstone Bank | 11.5% |
| First State Bank | 8.2% |
This bank holds 25% 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.