First State Bank

Headquarters: Eastpointe, Michigan
Charter: Bank
Assets: $1.3B
Fed district: Chicago
Regulator: Federal Reserve
Holding company: First State Financial Corp.

Explore Hamilton View published fees

Compared with Michigan

3 of 5

compared fees are above the median.

1 below, 1 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
70th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Michigan median
of 5 compared; 1 below, 1 about the same
See the fees
Fee schedule read Oct 14, 2026

How these figures are measured

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	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 Michigan median	Published fees above the Michigan 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	Oct 14, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First State 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 charges were 3.2% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (70th 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 $473K in Q2 2026, 9.2% above the same quarter a year earlier ($433K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
3 of 5 compared published fees sit above the Michigan median; 1 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 Michigan 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
Michigan median: $5.9551 publishChicago district median: $6231 publishU.S. median: $71,902 publish
Loan Origination
First State Bank: $150
First State Bank: $150
Michigan median: $356 publishChicago district median: $42.5010 publishU.S. median: $35159 publish
Other Lending Fee
Leaves out 1 fee charged on a different basis filed under this fee.
First State Bank: $90
First State Bank: $90
Michigan median: $3549 publishChicago district median: $30111 publishU.S. median: $27.501,018 publish

Published schedulesBanks and credit unionsRead Oct 14, 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.

Fee income beside fee prices

Service-charge income rose 6.3% from Q3 2025 to Q2 2026, to $473K. Its share of revenue, 3.2%, is above the 2.2% median for banks with $1B to $10B in assets.

Service-charge income, Q2 2026

$473K

$445KQ3 2025

$451KQ4 2025

$437KQ1 2026

$473KQ2 2026

Against the median (MI for fees)

Share of revenue3.2% / 2.2%
Monthly maintenance$4* / $5.95

First State BankMedian

Sources and open questions

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. *Monthly maintenance: Listed at $2 to $14; we compare the midpoint.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

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.

Financial performance

Call reports for First State 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: $473K
vs prior quarter: +$36K+8.2%; from Q1 2026
vs a year earlier: +$40K+9.2%; from Q2 2025
vs start of range: +$20K+4.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First State 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	$473K	+$36K	+8.2%
Q1 2026	$437K	−$14K	−3.1%
Q4 2025	$451K	+$6K	+1.3%
Q3 2025	$445K	+$12K	+2.8%
Q2 2025	$433K	+$20K	+4.8%
Q1 2025	$413K	−$23K	−5.3%
Q4 2024	$436K	−$17K	−3.8%
Q3 2024	$453K	+$44K	+10.8%

Service-charge share against its size cohort

Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 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.

First State Bank: 3.2%
Percentile: 70th
25th percentile: 1.3%
Median: 2.2%
75th percentile: 3.5%

First State Bank 3.2%Median 2.2%Middle half 1.3% to 3.5%Peers at each share12 above 10%, counted in the last bar

Find a peer (869)

The 15 closest to First State Bank by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

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

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

Account Maintenance

Monthly Service Charge$3
Below the U.S. middle 50% ($5 to $10 nationally)
per month
Monthly Service Charge$2
Below the U.S. middle 50% ($5 to $10 nationally)
per month
Monthly Service Fee$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Monthly Service Fee$14
Above the U.S. middle 50% ($5 to $10 nationally)
per month
Inactivity Fee$10
Inside the U.S. middle 50% ($5 to $10 nationally)
Excess Debit$10
Inside the U.S. middle 50% ($3 to $10 nationally)
per item

Lending Fees

Underwriting fee$150
Above the U.S. middle 50% ($20.15 to $96.25 nationally)
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
Above the U.S. middle 50% ($20 to $37.50 nationally)
one time

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	$3Below the U.S. middle 50% ($5 to $10 nationally)	per month	None
Monthly Service Charge	$2Below the U.S. middle 50% ($5 to $10 nationally)	per month	None
Monthly Service Fee	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Monthly Service Fee	$14Above the U.S. middle 50% ($5 to $10 nationally)	per month	None
Inactivity Fee	$10Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Excess Debit	$10Inside the U.S. middle 50% ($3 to $10 nationally)	per item	None
Lending Fees
Underwriting fee	$150Above the U.S. middle 50% ($20.15 to $96.25 nationally)	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	$90Above the U.S. middle 50% ($20 to $37.50 nationally)	one time	None

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

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
Above the U.S. middle 50% ($20.15 to $96.25 nationally)
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
Above the U.S. middle 50% ($20 to $37.50 nationally)
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	$150Above the U.S. middle 50% ($20.15 to $96.25 nationally)	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	$90Above the U.S. middle 50% ($20 to $37.50 nationally)	one time	None

Correct a fee source

Oct 14, 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 First State Bank operates, and what regulators and customers have on file.

Branch footprint

11 offices in 1 state, $1.2B in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

$1.2B

Detroit-Warren-Dearborn, MI

0.7% of bank deposits, #10 of 37, up 0.2 points over five years.

Largest competitors here	Deposit share
JPMorgan Chase Bank, National Association	29.2%
Fifth Third Bank, National Association	21.7%
Bank of America, National Association	14.5%
The Huntington National Bank	9.4%
PNC Bank, National Association	7.8%

Fees in Clinton Township →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In Detroit-Warren-Dearborn, MI, First State Bank holds 0.7% of bank deposits, #10 of 37, with 11 offices.

Compare fees with the 69 Detroit-Warren-Dearborn, MI banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 46 institutions shown.

First State BankOther banksCredit unions

Showing 900 of 1,073 offices: the largest institutions' offices, with banks and credit unions in proportion.

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Detroit-Warren-Dearborn, MI metro (FDIC metro code 19820), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 22 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1JPMorgan Chase Bank, National Association29.2%
2Fifth Third Bank, National Association21.7%
3Bank of America, National Association14.5%
4The Huntington National Bank9.4%
5PNC Bank, National Association7.8%
6Flagstar Bank, National Association7.6%
7Citizens Bank, National Association3.5%
8CIBC Bank USA0.8%
10First State Bank0.7%

9 of 37 institutions shown. $183.9B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Detroit-Warren-Dearborn, MI metro (FDIC metro code 19820)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.7% share, 11 offices, #10 of 37

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Detroit-Warren-Dearborn, MI metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

355 offices of 72 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

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