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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
87th 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
Not on file
Call-report figures are for First State Bank of Fountain 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 of Fountain's published fee schedule; Bank Fee Index medians | Current schedule | Not recorded |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.8% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (87th 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 $12K in Q2 2026, about level with the same quarter a year earlier ($12K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for First State Bank of Fountain (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 | $12K | +$2K | +20.0% |
| Q1 2026 | $10K | −$1K | −9.1% |
| Q4 2025 | $11K | −$1K | −8.3% |
| Q3 2025 | $12K | $0 | 0.0% |
| Q2 2025 | $12K | +$2K | +20.0% |
| Q1 2025 | $10K | −$3K | −23.1% |
| Q4 2024 | $13K | +$2K | +18.2% |
| Q3 2024 | $11K | −$2K | −15.4% |
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 Fountain 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 of Fountain by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Other feesUnder review | |||
| Collection Item (audience not stated, treated as personal) | $20 | per item | None |
| Copies and/or Printouts - Check Images (audience not stated, treated as personal) | $2 | per item | None |
| Copies and/or Printouts - Microfilm Research Copy (audience not stated, treated as personal) | $5 | per item | None |
| Copies and/or Printouts - Photocopy (audience not stated, treated as personal) | $0.25 | per item | None |
| Copies and/or Printouts - Statements/Account Activity (audience not stated, treated as personal) | $5 | per item | None |
| Dormant Account Fee (audience not stated, treated as personal) | $3 | per month | Accounts dormant after 1 year |
| Indemnity Bond (audience not stated, treated as personal) | $10 | per item | None |
| Levy/Garnishments (audience not stated, treated as personal) | $50 | per item | None |
| Money Order (audience not stated, treated as personal) | $2 | per item | None |
| Non-Sufficient Funds (NSF) Returned/Paid Item Fee (audience not stated, treated as personal) | $24 | per item | None |
| Notary - Non Customers (audience not stated, treated as personal) | $1 | per item | None |
| Wire Transfers (audience not stated, treated as personal) | $25 | per item | Outgoing transfers, customers only |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
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 of Fountain operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $38.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $38.6M |
Rochester, MN
0.5% of bank deposits, #26 of 34, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| Think Mutual Bank | 21% |
| Wells Fargo Bank, National Association | 13.1% |
| U.S. Bank National Association | 7.4% |
| Alerus Financial, National Association | 6.4% |
| Old National Bank | 4.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Rochester, MN, First State Bank of Fountain holds 0.5% of bank deposits, #26 of 34, with 1 office.
96 offices of 41 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 34 institutions shown. $7.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.5% share, 1 office, #26 of 34
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
21 offices of 7 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.
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