Fees from its schedule are under review and appear here once review is done.
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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
55th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Apr 21, 2026
Call-report figures are for First State Bank 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) 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 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 State Bank's published fee schedule; Bank Fee Index medians | Current schedule | Apr 21, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.3% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (55th 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 $15K in Q2 2026, about level with the same quarter a year earlier ($15K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for First State Bank (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 | $15K | −$1K | −6.3% |
| Q1 2026 | $16K | +$2K | +14.3% |
| Q4 2025 | $14K | $0 | 0.0% |
| Q3 2025 | $14K | −$1K | −6.7% |
| Q2 2025 | $15K | $0 | 0.0% |
| Q1 2025 | $15K | −$1K | −6.3% |
| Q4 2024 | $16K | $0 | 0.0% |
| Q3 2024 | $16K | −$1K | −5.9% |
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 left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First State Bank by share.
They stay out of every comparison until review is done.
varies · Varies depending on the style of check ordered
per item · ATM not owned by FSB
per year · Health Savings Accounts
per item · If minimum balance falls below $5,000.00 during a statement cycle
per month · If minimum balance of $2,500.00 not maintained
per item · Each check, draft, withdrawal in person or ACH debit paid against insufficient funds
per item
one time
per item · Per requested statement
per item · Each check, draft, withdrawal in person or ACH debit returned against insufficient funds
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Other feesUnder review | |||
| Check Printing Fee (audience not stated, treated as personal) | Not stated | varies | Varies depending on the style of check ordered |
| Foreign ATM Fee (audience not stated, treated as personal) | $1.25 | per item | ATM not owned by FSB |
| Health Savings Account Annual Fee (audience not stated, treated as personal) | $20 | per year | Health Savings Accounts |
| Money Market Fund Account Low Balance Fee (audience not stated, treated as personal) | $5 | per item | If minimum balance falls below $5,000.00 during a statement cycle |
| Monthly Service Charge (audience not stated, treated as personal) | $9 | per month | If minimum balance of $2,500.00 not maintained |
| Overdraft Fee (audience not stated, treated as personal) | $25 | per item | Each check, draft, withdrawal in person or ACH debit paid against insufficient funds |
| Person-2-Person Transaction Fee (audience not stated, treated as personal) | $0.75 | per item | None |
| Replacement Card Fee (audience not stated, treated as personal) | $10 | one time | None |
| Reproduce Paper Account Statement Fee (audience not stated, treated as personal) | $7 | per item | Per requested statement |
| Return Item Fee (audience not stated, treated as personal) | $25 | per item | Each check, draft, withdrawal in person or ACH debit returned against insufficient funds |
| Stop Payment Fee (audience not stated, treated as personal) | $25 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Apr 21, 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 State Bank operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $54.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 1 | $54.2M |
Largest competitors nearby
Local market: Cedar county, NE, where it holds the most deposits.
| 7 in its local market | Deposit share |
|---|---|
| Security Bank | 30.4% |
| Bank of Hartington | 27.8% |
| Citizens State Bank | 12.4% |
| Cedar Security Bank | 9.9% |
| Farmers and Merchants State Bank, Bloomfield, Nebraska | 4.6% |
This bank holds 11% 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.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows