First Bank and Trust Company

Headquarters: Minden, Nebraska
Charter: Bank
Assets: $91.2M
Fed district: Kansas City
Regulator: Federal Reserve
Holding company: First of Minden Financial Corp.

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

Source: its fee schedule, read Oct 11, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 Oct 11, 2026

How these figures are measured

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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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.	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

Details

Source: FDIC BankFind Suite (call report data)
Entity: First Bank and Trust Company (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

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.

Fees against the market

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

Monthly Maintenance
Health Checking Account $3.95 · Elite Checking $5
Compared at $4.48, the middle of its prices
First Bank and Trust Company: $3.95 to $5
First Bank and Trust Company: $3.95 to $5
U.S. median: no median
Overdraft (OD)
First Bank and Trust Company: $30
First Bank and Trust Company: $30
U.S. median: no median
NSF / Returned Item
First Bank and Trust Company: $30
First Bank and Trust Company: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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.

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).
Nebraska: Banks and credit unions headquartered in Nebraska that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 16% from Q3 2025 to Q2 2026, to $16K.

Service-charge income, Q2 2026

$16K

$19KQ3 2025

$21KQ4 2025

$18KQ1 2026

$16KQ2 2026

Against the median

First Bank and Trust CompanyMedian

Sources and open questions

FDIC 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

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.

Banks only
$86M to $96M 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 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.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.53 (44%) below the median of similar-sized banks.

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

First Bank and Trust Comp…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (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 Oct 22, 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 Bank and Trust Company (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: $16K
vs prior quarter: −$2K−11.1%; from Q1 2026
vs a year earlier: −$3K−15.8%; from Q2 2025
vs start of range: −$1K−5.9%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: First Bank and Trust Company (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

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%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from First Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Elite Checking Monthly Fee$5
per month
Monthly Maintenance$3.95
per month
Inactive Account Fee for Checking Accounts$5
per month
Reconciliation and Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$5

Overdraft & NSF

Overdraft Fee$30
per item
Return Item Fee$30
Return Item Fee daily maximum (audience not stated, treated as personal)$120
per day
Return Item Fee daily maximum$120
per day

ATM & Card

ATM Service Charge: Outgoing$4
Visa Debit Card Replacement Fee$10

Wire Transfers

Wire Transfers: Outgoing – Domestic$20
per item
Wire Transfers: Outgoing – International$50
per item
Wire Transfers:: Outgoing – International$50
per item

Check Services

Cashier’s Checks (sold to customers only)$2
per item
Money Orders (sold to customers only)$1
per item
Stop Payment Order$30
per item
Check Cashing Fee (Customers)No charge
Collection Items$25
per item

Cash & Deposit

Coin Counting (Non-customers) (audience not stated, treated as personal)10%
Coin Counting (Non-customers)10%
Returned Deposit Fee$5
per item

Account Services

Notary Service – (Non-customers)$10
Not compared: Charged per document; comparison unavailable
per document
Lost Key$20
Not compared: Box drilling or key fee
Garnishments & Tax Levies$50

Other Fees

Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page
Statement Copies$5

Fee	Amount	Basis	Note
Account Maintenance
Elite Checking Monthly Fee	$5	per month	None
Monthly Maintenance	$3.95	per month	None
Inactive Account Fee for Checking Accounts	$5	per month	None
Reconciliation and Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$5	Not stated	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
Return Item Fee	$30	Not stated	None
Return Item Fee daily maximum (audience not stated, treated as personal)	$120	per day	None
Return Item Fee daily maximum	$120	per day	None
ATM & Card
ATM Service Charge: Outgoing	$4	Not stated	None
Visa Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfers: Outgoing – Domestic	$20	per item	None
Wire Transfers: Outgoing – International	$50	per item	None
Wire Transfers:: Outgoing – International	$50	per item	None
Check Services
Cashier’s Checks (sold to customers only)	$2	per item	None
Money Orders (sold to customers only)	$1	per item	None
Stop Payment Order	$30	per item	None
Check Cashing Fee (Customers)	No charge	Not stated	None
Collection Items	$25	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	$5	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	$50	Not stated	None
Other Fees
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Statement Copies	$5	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

Correct a fee source

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.

Branches and public record

Where First Bank and Trust Company 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

Get an email when First Bank and Trust Company's safe deposit box changes in our data

We check once a day and send one email covering every change.