The State Exchange Bank

Headquarters: Mankato, Kansas
Charter: Bank
Assets: $50.9M
Fed district: Kansas City
Regulator: FDIC

Explore Hamilton View published fees

Compared with Kansas

0 of 5

compared fees are above the median.

3 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
Not available
Peer figures could not be read
Not on file
Fees above the Kansas median
of 5 compared; 3 below, 2 about the same
See the fees
Fee schedule read Oct 24, 2026

How these figures are measured

Call-report figures are for The State Exchange 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	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) 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 Kansas median	Published fees above the Kansas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	The State Exchange Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 24, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: The State Exchange Bank (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-charge income was $12K in Q2 2026, 7.7% below the same quarter a year earlier ($13K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
0 of 5 compared published fees sit above the Kansas median; 3 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 Kansas medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $3, the middle of its prices
The State Exchange Bank: $2 to $3
The State Exchange Bank: $2 to $3
Kansas median: $653 publishKansas City district median: $7.50229 publishU.S. median: $71,900 publish
Non-Network ATM
The State Exchange Bank: $1
The State Exchange Bank: $1
Kansas median: $236 publishKansas City district median: $1.50166 publishU.S. median: $1.501,651 publish
Wire Transfer (Domestic Out)
The State Exchange Bank: $20
The State Exchange Bank: $20
Kansas median: $2060 publishKansas City district median: $20251 publishU.S. median: $252,630 publish

Published schedulesBanks and credit unionsRead Oct 24, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kansas, 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).
Kansas: Banks and credit unions headquartered in Kansas 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 14% from Q3 2025 to Q2 2026, to $12K.

Service-charge income, Q2 2026

$12K

$14KQ3 2025

$13KQ4 2025

$12KQ1 2026

$12KQ2 2026

Against the median (KS for fees)

Non‑network ATM$1 / $2
Monthly maintenance$3* / $6

The State Exchange BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $2 to $3; we compare the midpoint.

Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

The State Exchange Bank · $51M 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
$43M to $59M 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
The State Exchange Bank(this institution)	Mankato, KS	$51M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
1st Bank in Hominy	Hominy, OK	$45M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of Brewton	Brewton, AL	$50M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Benton County State Bank	Blairstown, IA	$51M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Blue Grass Federal Savings and Loan Association	Paris, KY	$59M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Carrollton Federal Bank	Carrollton, KY	$44M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community First Bank, National Association	Forest, OH	$56M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Community National Bank in Monmouth	Monmouth, IL	$55M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Farmers State Bank, Allen, Oklahoma	Allen, OK	$57M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Financial Bank in Winnebago	Winnebago, MN	$58M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fortuna Bank	Grandview Heights, OH	$57M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gala Bank	Ocala, FL	$45M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Kindred State Bank	Kindred, ND	$43M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Lamont Bank of St. John	Saint John, WA	$51M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Portrait Bank	Winter Park, FL	$45M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Richton Bank & Trust Company	Richton, MS	$52M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Second Federal Savings and Loan Association of Philadelphia	Philadelphia, PA	$46M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sidney Federal Savings and Loan Association	Sidney, NE	$56M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
State Bank of Lake Park	Lake Park, MN	$47M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
State National Bank	Groom, TX	$55M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Talbot State Bank	Woodland, GA	$52M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The City State Bank	Fort Scott, KS	$58M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First Farmers National Bank of Waurika	Waurika, OK	$56M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Mer Rouge State Bank	Mer Rouge, LA	$52M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
United Minnesota Bank	New London, MN	$57M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Washita State Bank	Burns Flat, OK	$44M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $3.75 (56%) below the median of similar-sized banks.

Compared at $3, the middle of its three prices, against a peer median of $6.75 among 12 publishing peers.

Its three checking prices are $2, $3 and $3.

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 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

The State Exchange Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (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 29, 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 The State Exchange Bank (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: $12K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: −$1K−7.7%; from Q2 2025
vs start of range: −$2K−14.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: The State Exchange Bank (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	$12K	$0	0.0%
Q1 2026	$12K	−$1K	−7.7%
Q4 2025	$13K	−$1K	−7.1%
Q3 2025	$14K	+$1K	+7.7%
Q2 2025	$13K	$0	0.0%
Q1 2025	$13K	$0	0.0%
Q4 2024	$13K	−$1K	−7.1%
Q3 2024	$14K	+$1K	+7.7%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from The State Exchange Bank’s own schedules, with a source for each figure.

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

Account Maintenance

Advantage Checking Monthly service fee (audience not stated, treated as personal)$3
Below the U.S. middle 50% ($5 to $10 nationally)
per month
Monthly service fee (audience not stated, treated as personal)$3
Below the U.S. middle 50% ($5 to $10 nationally)
per month
Service charge monthly$2
Below the U.S. middle 50% ($5 to $10 nationally)
per month

ATM & Card

Foreign ATM charge for use at any other ATM$1
Inside the U.S. middle 50% ($1 to $2 nationally)

Wire Transfers

Service charge for all outgoing domestic wires$20
Inside the U.S. middle 50% ($20 to $25 nationally)
Incoming wiresNo charge
Below the U.S. middle 50% ($5 to $15 nationally)

Check Services

Charge per money order$3
Inside the U.S. middle 50% ($2 to $3 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Advantage Checking Monthly service fee (audience not stated, treated as personal)	$3Below the U.S. middle 50% ($5 to $10 nationally)	per month	None
Monthly service fee (audience not stated, treated as personal)	$3Below the U.S. middle 50% ($5 to $10 nationally)	per month	None
Service charge monthly	$2Below the U.S. middle 50% ($5 to $10 nationally)	per month	None
ATM & Card
Foreign ATM charge for use at any other ATM	$1Inside the U.S. middle 50% ($1 to $2 nationally)	Not stated	None
Wire Transfers
Service charge for all outgoing domestic wires	$20Inside the U.S. middle 50% ($20 to $25 nationally)	Not stated	None
Incoming wires	No chargeBelow the U.S. middle 50% ($5 to $15 nationally)	Not stated	None
Check Services
Charge per money order	$3Inside the U.S. middle 50% ($2 to $3 nationally)	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

Correct a fee source

Oct 24, 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 The State Exchange Bank operates, and what regulators and customers have on file.

Branch footprint

1 offices in 1 state, $46.5M in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

Outside a metro area

$46.5M

Largest competitors nearby

Local market: Jewell county, KS, where it holds the most deposits.

2 in its local market	Deposit share
Guaranty State Bank and Trust Company	32.4%
Central National Bank	28%

This bank holds 39.5% 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

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