Compared with North Dakota
8 of 13
compared fees are above the median.
3 below, 2 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
48th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the North Dakota median
of 13 compared; 3 below, 2 about the same
See the feesFee schedule read Oct 6, 2026
Call-report figures are for Starion 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) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B 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 North Dakota median | Published fees above the North Dakota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Starion Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 6, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.1% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (48th 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 $400K in Q2 2026, 6.4% above the same quarter a year earlier ($376K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 13 compared published fees sit above the North Dakota 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.
Comparison with North Dakota medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 3.1% from Q3 2025 to Q2 2026, to $400K. Its share of revenue, 2.1%, is below the 2.2% median for banks with $1B to $10B in assets.
$400K
Starion BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Starion Bank · $2.1B 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 |
|---|---|---|---|---|---|---|---|
| Starion Bank(this institution) | Bismarck, ND | $2.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Beneficial State Bank | Oakland, CA | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blackhawk Bank & Trust | Milan, IL | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens National Bank of Texas | Waxahachie, TX | $2.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| First Fed Bank | Port Angeles, WA | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First Financial Bank | El Dorado, AR | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank | Fort Pierre, SD | $2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First United Bank & Trust | Oakland, MD | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Florence Bank | Florence, MA | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Gateway First Bank | Jenks, OK | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| IncredibleBank | Wausau, WI | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kennebunk Savings Bank | Kennebunk, ME | $2.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kish Bank | Belleville, PA | $2.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Marquette Bank | Chicago, IL | $2.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Montecito Bank & Trust | Santa Barbara, CA | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Norway Savings Bank | Norway, ME | $2.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Oak Valley Community Bank | Oakdale, CA | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Opportunity Bank of Montana | Helena, MT | $2.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Square Financial Services, Inc. | Salt Lake City, UT | $2.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Conway National Bank | Conway, SC | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The Farmers & Merchants Bank | Stuttgart, AR | $2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank in Sioux Falls | Sioux Falls, SD | $2.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Lyons National Bank | Lyons, NY | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The Village Bank | Newton, MA | $2.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Timberland Bank | Hoquiam, WA | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Bank | Zebulon, GA | $2.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $4.95, against a peer median of $8 among 15 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Starion 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 | $400K | −$2K | −0.5% |
| Q1 2026 | $402K | +$5K | +1.3% |
| Q4 2025 | $397K | −$16K | −3.9% |
| Q3 2025 | $413K | +$37K | +9.8% |
| Q2 2025 | $376K | −$53K | −12.4% |
| Q1 2025 | $429K | −$21K | −4.7% |
| Q4 2024 | $450K | +$4K | +0.9% |
| Q3 2024 | $446K | +$8K | +1.8% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Starion Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Starion Bank by share.
Amounts from Starion Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Fee Monthly fee waived first 3 months and no fee in months with a load (audience not stated, treated as personal) | $4.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account Charge - Youth Savings | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciling Service | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excess Withdrawal Charge - Money Market Savings | $5.95Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee - All Checking and Savings Accounts (audience not stated, treated as personal) | $33Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Fee - All Checking and Savings Accounts | $33Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Cash Card or Check Card Replacement Charge | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Card Rush Order Charge | $30Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers - International (Outgoing) (audience not stated, treated as personal) | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Charge (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| Online Banking - Same Day Bill Pay (audience not stated, treated as personal) | $9.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box - Late Payment Fee (audience not stated, treated as personal) | $10Not compared: Box drilling or key fee | Not stated | None |
| Garnishment Processing | $40Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levy and Lien Fee | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card (Visa Debit Card) | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement - Additional Statement Charge (audience not stated, treated as personal) | $3Not compared: Monthly charge, not per item | per month | None |
| Loan Extension Fee | $50Above the U.S. middle 50% ($20 to $37.50 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 6, 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 Starion Bank operates, and what regulators and customers have on file.
Branch footprint
16 offices in 2 states, $1.8B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 5 | $1.3B | |
| Outside a metro area | 5 | $241.8M |
| 3 | $177.5M | |
| 3 | $115.8M |
Bismarck, ND
18.6% of bank deposits, #1 of 18, up 3.7 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Dakota Community Bank & Trust, National Association | 10.7% |
| Gate City Bank | 10.1% |
| Bravera Bank | 8.6% |
| Wells Fargo Bank, National Association | 8.2% |
| BNC National Bank | 7.7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Bismarck, ND, Starion Bank holds 18.6% of bank deposits, #1 of 18, with 5 offices.
71 offices of 24 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.
8 of 18 institutions shown. $6.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 18.6% share, 5 offices, #1 of 18
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
17 offices of 6 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.
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.