First State Bank

Headquarters: Eastpointe, Michigan
Charter: Bank
Assets: $1.3B
Fed district: Chicago

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

Source: its fee schedule, read Nov 4, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Compared at $4, the middle of its prices
First State Bank: $2 to $14
First State Bank: $2 to $14
U.S. median: no median
Dormant Account
First State Bank: $10
First State Bank: $10
U.S. median: no median
Excess Withdrawals
First State Bank: $10
First State Bank: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago 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).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Among its peers

First State Bank · $1.3B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.

Banks only
$1.3B to $1.4B in assets
Headquartered in 21 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 State Bank(this institution)	Eastpointe, MI	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Adams Bank & Trust	Ogallala, NE	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Bank	Sulphur Springs, TX	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Blue Sky Bank	Pawhuska, OK	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Central National Bank	Junction City, KS	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Century Bank	Santa Fe, NM	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Coastal Carolina National Bank	Myrtle Beach, SC	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Community Financial Services Bank	Benton, KY	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
County National Bank	Hillsdale, MI	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers & Merchants Bank	Timberville, VA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
First American Bank and Trust	Vacherie, LA	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank of Alabama	Talladega, AL	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Fm Bank And Trust	Blytheville, AR	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
InBank	Raton, NM	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Independence Bank	Havre, MT	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Liberty National Bank	Lawton, OK	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Martha's Vineyard Bank	Edgartown, MA	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Merchants & Marine Bank	Pascagoula, MS	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Piedmont Federal Savings Bank	Winston Salem, NC	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pinnacle Bank - Wyoming	Cody, WY	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Plains Commerce Bank	Sioux Falls, SD	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sabine State Bank and Trust Company	Many, LA	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
SULLIVAN BANK	Sullivan, MO	$1.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Texas Security Bank	Dallas, TX	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Commercial and Savings Bank of Millersburg, Ohio	Millersburg, OH	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ulster Savings Bank	Kingston, NY	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $4 (50%) below the median of similar-sized banks.

Compared at $4, the middle of its four prices, against a peer median of $8 among 18 publishing peers.

Its four checking prices are $2, $3, $5 and $14.

$4 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 30, 2026.

Monthly maintenance fee in dollars, one mark per institution

First State Bank: 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 30, 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.

Published fee schedule

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

Account Maintenance

Monthly Service Charge$3
per month
Monthly Service Charge$2
per month
Monthly Service Fee$5
per month
Monthly Service Fee$14
per month
Inactivity Fee$10
Excess Debit$10
per item

Lending Fees

Underwriting fee$150
one time

Other Fees

Home Equity Line of Credit annual fee$85
Not compared: Annual charge, not per item
per year
Property tax service fee$90
one time

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	$3	per month	None
Monthly Service Charge	$2	per month	None
Monthly Service Fee	$5	per month	None
Monthly Service Fee	$14	per month	None
Inactivity Fee	$10	Not stated	None
Excess Debit	$10	per item	None
Lending Fees
Underwriting fee	$150	one time	None
Other Fees
Home Equity Line of Credit annual fee	$85Not compared: Annual charge, not per item	per year	None
Property tax service fee	$90	one time	None

Overdraft & NSF

Overdraft Privilege fee (items greater than $20)$34
per item
NSF fee (transactions $20 or less)$10
per item
NSF fee (transactions greater than $20)$34
per item
Extended overdraft fee$7
per day

Lending Fees

Underwriting fee$150
one time

Other Fees

Home Equity Line of Credit annual fee$85
Not compared: Annual charge, not per item
per year
Property tax service fee$90
one time

Fee	Amount	Basis	Note
Overdraft & NSF
Overdraft Privilege fee (items greater than $20)	$34	per item	None
NSF fee (transactions $20 or less)	$10	per item	None
NSF fee (transactions greater than $20)	$34	per item	None
Extended overdraft fee	$7	per day	None
Lending Fees
Underwriting fee	$150	one time	None
Other Fees
Home Equity Line of Credit annual fee	$85Not compared: Annual charge, not per item	per year	None
Property tax service fee	$90	one time	None

Correct a fee source

Nov 4, 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.

Fee change alerts

Get an email when First State Bank's foreign transaction changes in our data

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

Fees against the market

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

Monthly Maintenance
Compared at $4, the middle of its prices
First State Bank: $2 to $14
First State Bank: $2 to $14
U.S. median: no median
Dormant Account
First State Bank: $10
First State Bank: $10
U.S. median: no median
Excess Withdrawals
First State Bank: $10
First State Bank: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago 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).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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.

Among its peers

First State Bank · $1.3B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.

Banks only
$1.3B to $1.4B in assets
Headquartered in 21 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 State Bank(this institution)	Eastpointe, MI	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Adams Bank & Trust	Ogallala, NE	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Bank	Sulphur Springs, TX	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Blue Sky Bank	Pawhuska, OK	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Central National Bank	Junction City, KS	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Century Bank	Santa Fe, NM	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Coastal Carolina National Bank	Myrtle Beach, SC	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Community Financial Services Bank	Benton, KY	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
County National Bank	Hillsdale, MI	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers & Merchants Bank	Timberville, VA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
First American Bank and Trust	Vacherie, LA	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank of Alabama	Talladega, AL	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Fm Bank And Trust	Blytheville, AR	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
InBank	Raton, NM	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Independence Bank	Havre, MT	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Liberty National Bank	Lawton, OK	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Martha's Vineyard Bank	Edgartown, MA	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Merchants & Marine Bank	Pascagoula, MS	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Piedmont Federal Savings Bank	Winston Salem, NC	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pinnacle Bank - Wyoming	Cody, WY	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Plains Commerce Bank	Sioux Falls, SD	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sabine State Bank and Trust Company	Many, LA	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
SULLIVAN BANK	Sullivan, MO	$1.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Texas Security Bank	Dallas, TX	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Commercial and Savings Bank of Millersburg, Ohio	Millersburg, OH	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ulster Savings Bank	Kingston, NY	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $4 (50%) below the median of similar-sized banks.

Compared at $4, the middle of its four prices, against a peer median of $8 among 18 publishing peers.

Its four checking prices are $2, $3, $5 and $14.

$4 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 30, 2026.

Monthly maintenance fee in dollars, one mark per institution

First State Bank: 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 30, 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.

Published fee schedule

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

Account Maintenance

Monthly Service Charge$3
per month
Monthly Service Charge$2
per month
Monthly Service Fee$5
per month
Monthly Service Fee$14
per month
Inactivity Fee$10
Excess Debit$10
per item

Lending Fees

Underwriting fee$150
one time

Other Fees

Home Equity Line of Credit annual fee$85
Not compared: Annual charge, not per item
per year
Property tax service fee$90
one time

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	$3	per month	None
Monthly Service Charge	$2	per month	None
Monthly Service Fee	$5	per month	None
Monthly Service Fee	$14	per month	None
Inactivity Fee	$10	Not stated	None
Excess Debit	$10	per item	None
Lending Fees
Underwriting fee	$150	one time	None
Other Fees
Home Equity Line of Credit annual fee	$85Not compared: Annual charge, not per item	per year	None
Property tax service fee	$90	one time	None

Overdraft & NSF

Overdraft Privilege fee (items greater than $20)$34
per item
NSF fee (transactions $20 or less)$10
per item
NSF fee (transactions greater than $20)$34
per item
Extended overdraft fee$7
per day

Lending Fees

Underwriting fee$150
one time

Other Fees

Home Equity Line of Credit annual fee$85
Not compared: Annual charge, not per item
per year
Property tax service fee$90
one time

Fee	Amount	Basis	Note
Overdraft & NSF
Overdraft Privilege fee (items greater than $20)	$34	per item	None
NSF fee (transactions $20 or less)	$10	per item	None
NSF fee (transactions greater than $20)	$34	per item	None
Extended overdraft fee	$7	per day	None
Lending Fees
Underwriting fee	$150	one time	None
Other Fees
Home Equity Line of Credit annual fee	$85Not compared: Annual charge, not per item	per year	None
Property tax service fee	$90	one time	None

Correct a fee source

Nov 4, 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.