The First National Bank and Trust Co., Chickasha, Oklahoma

Headquarters: Chickasha, Oklahoma
Charter: Bank
Assets: $1.1B
Fed district: Kansas City
Regulator: OCC
Holding company: First Independent Bancorp Inc.

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

Source: its fee schedule, read Oct 11, 2026.

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 U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 11, 2026

How these figures are measured

Call-report figures are for The First National Bank and Trust Co., Chickasha, Oklahoma 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 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.	The First National Bank and Trust Co., Chickasha, Oklahoma's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: The First National Bank and Trust Co., Chickasha, Oklahoma (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 $720K in Q2 2026, 1.4% below the same quarter a year earlier ($730K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

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

Monthly Maintenance
Compared at $7.50, the middle of its prices
The First National Bank and Trust Co., Chickasha, Oklahoma: $5 to $10
The First National Bank and Trust Co., Chickasha, Oklahoma: $5 to $10
U.S. median: no median
Overdraft (OD)
The First National Bank and Trust Co., Chickasha, Oklahoma: $7
The First National Bank and Trust Co., Chickasha, Oklahoma: $7
U.S. median: no median
NSF / Returned Item
The First National Bank and Trust Co., Chickasha, Oklahoma: $28
The First National Bank and Trust Co., Chickasha, Oklahoma: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oklahoma, 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).
Oklahoma: Banks and credit unions headquartered in Oklahoma 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 2.3% from Q3 2025 to Q2 2026, to $720K.

Service-charge income, Q2 2026

$720K

$737KQ3 2025

$753KQ4 2025

$704KQ1 2026

$720KQ2 2026

Against the median

The First National Bank and Trust Co., Chickasha, OklahomaMedian

Sources and open questions

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

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

Among its peers

The First National Bank and Trust Co., Chickasha, Oklahoma · $1.1B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$1B to $1.1B in assets
Headquartered in 18 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 First National Bank and Trust Co., Chickasha, Oklahoma(this institution)	Chickasha, OK	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
AuburnBank	Auburn, AL	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Bank of Wisconsin Dells	Wisconsin Dells, WI	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
BNC National Bank	Glendale, AZ	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Brentwood Bank	Bethel Park, PA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cape Ann Savings Bank	Gloucester, MA	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Centennial Bank	Trezevant, TN	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Core Bank	Omaha, NE	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farm Bureau Bank FSB	Reno, NV	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Command Bank	Fort Worth, TX	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Generations Bank	Rogers, AR	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
GNBank, National Association	Girard, KS	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Great Midwest Bank, S.S.B.	Brookfield, WI	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Ixonia Bank	Ixonia, WI	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ledyard National Bank	Norwich, VT	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Magyar Bank	New Brunswick, NJ	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MountainOne Bank	North Adams, MA	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nebraskaland Bank	North Platte, NE	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
OneLocal Bank	Norwood, MA	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pioneer Bank	Roswell, NM	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Security Financial Bank	Durand, WI	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sound Community Bank	Seattle, WA	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Superior National Bank	Hancock, MI	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Citizens National Bank of Bluffton	Bluffton, OH	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Monticello Banking Company	Monticello, KY	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Winchester Savings Bank	Winchester, MA	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (25%) below the median of similar-sized banks.

Compared at $7.50, the middle of its two prices, against a peer median of $10 among 17 publishing peers.

Its two checking prices are $5 and $10.

$7.50 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 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

The First National Bank a…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer medianInclude 2 outliers ($37.50, $50)Shown past the axis break, not to scale, so the rest of the set has room.

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 First National Bank and Trust Co., Chickasha, Oklahoma (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: $720K
vs prior quarter: +$16K+2.3%; from Q1 2026
vs a year earlier: −$10K−1.4%; from Q2 2025
vs start of range: +$15K+2.1%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: The First National Bank and Trust Co., Chickasha, Oklahoma (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	$720K	+$16K	+2.3%
Q1 2026	$704K	−$49K	−6.5%
Q4 2025	$753K	+$16K	+2.2%
Q3 2025	$737K	+$7K	+1.0%
Q2 2025	$730K	+$8K	+1.1%
Q1 2025	$722K	−$6K	−0.8%
Q4 2024	$728K	+$23K	+3.3%
Q3 2024	$705K	+$53K	+8.1%

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 First National Bank and Trust Co., Chickasha, Oklahoma’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance fee$5
per month
Monthly Maintenance Fee$10
per month
Savings, Balance Requirement Fee (avg. balance under $100)$3
Dormant/Inactive Accounts$5
per month
Account Research/ Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper statement fee (Priority Money Market Checking)$3
per month
Savings, Paper Statement Fee (balance under $5k)$1.85

Overdraft & NSF

Overdraft Fee on item under $5$7
Insufficient funds fee$28
per item

ATM & Card

ATM, Foreign ATM for Customers$1.50
Debit Card, Replacement$7.50

Wire Transfers

Wire Transfer, Domestic Outgoing$15
Wire Transfer, Domestic Incoming$10
Wire Transfer, International Outgoing$45
Wire Transfer, International Incoming$25

Check Services

Cashier’s Checks$5
Money Orders$3
Stop Payment Fee on Money Order$30
Temporary Checks$1
Not compared: Charged per page; comparison unavailable
per page
Check Cashing, Noncustomers$10

Cash & Deposit

Item Returned, Chargeback Fee to Personal Account$5
Night Depository Key$5
Night Depository Service$2.50
Not compared: Monthly charge, not per item
per month

Account Services

Notary Public for Noncustomers$5
Safe Deposit Box Replacement Key$10
Not compared: Box drilling or key fee
Levy/Garnishment$50
Verification of Deposit$10

Retirement & IRA

IRA Annual$10
per year

Other Fees

Faxes for Noncustomers$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$5	per month	None
Monthly Maintenance Fee	$10	per month	None
Savings, Balance Requirement Fee (avg. balance under $100)	$3	Not stated	None
Dormant/Inactive Accounts	$5	per month	None
Account Research/ Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statement fee (Priority Money Market Checking)	$3	per month	None
Savings, Paper Statement Fee (balance under $5k)	$1.85	Not stated	None
Overdraft & NSF
Overdraft Fee on item under $5	$7	Not stated	None
Insufficient funds fee	$28	per item	None
ATM & Card
ATM, Foreign ATM for Customers	$1.50	Not stated	None
Debit Card, Replacement	$7.50	Not stated	None
Wire Transfers
Wire Transfer, Domestic Outgoing	$15	Not stated	None
Wire Transfer, Domestic Incoming	$10	Not stated	None
Wire Transfer, International Outgoing	$45	Not stated	None
Wire Transfer, International Incoming	$25	Not stated	None
Check Services
Cashier’s Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment Fee on Money Order	$30	Not stated	None
Temporary Checks	$1Not compared: Charged per page; comparison unavailable	per page	None
Check Cashing, Noncustomers	$10	Not stated	None
Cash & Deposit
Item Returned, Chargeback Fee to Personal Account	$5	Not stated	None
Night Depository Key	$5	Not stated	None
Night Depository Service	$2.50Not compared: Monthly charge, not per item	per month	None
Account Services
Notary Public for Noncustomers	$5	Not stated	None
Safe Deposit Box Replacement Key	$10Not compared: Box drilling or key fee	Not stated	None
Levy/Garnishment	$50	Not stated	None
Verification of Deposit	$10	Not stated	None
Retirement & IRA
IRA Annual	$10	per year	None
Other Fees
Faxes for Noncustomers	$5	Not stated	None

Account Maintenance

Savings, Balance Requirement Fee (avg. balance under $100)$3
Dormant/Inactive Accounts$5
per month
Account Research/ Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Savings, Paper Statement Fee (balance under $5k)$1.85

Overdraft & NSF

Overdraft Fee on item under $5$7

ATM & Card

ATM, Foreign ATM for Customers$1.50
Debit Card, Replacement$7.50

Wire Transfers

Wire Transfer, Domestic Outgoing$15
Wire Transfer, Domestic Incoming$10
Wire Transfer, International Outgoing$45
Wire Transfer, International Incoming$25

Check Services

Cashier’s Checks$5
Money Orders$3
Stop Payment Fee on Money Order$30
Temporary Checks$1
Not compared: Charged per page; comparison unavailable
per page
Check Cashing, Noncustomers$10

Cash & Deposit

Item Returned, Chargeback Fee to Commercial Account$7.50
Night Depository Key$5
Night Depository Service$2.50
Not compared: Monthly charge, not per item
per month

Account Services

Notary Public for Noncustomers$5
Safe Deposit Box Replacement Key$10
Not compared: Box drilling or key fee
Levy/Garnishment$50
Verification of Deposit$10

Retirement & IRA

IRA Annual$10
per year

Other Fees

Faxes for Noncustomers$5

Fee	Amount	Basis	Note
Account Maintenance
Savings, Balance Requirement Fee (avg. balance under $100)	$3	Not stated	None
Dormant/Inactive Accounts	$5	per month	None
Account Research/ Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Savings, Paper Statement Fee (balance under $5k)	$1.85	Not stated	None
Overdraft & NSF
Overdraft Fee on item under $5	$7	Not stated	None
ATM & Card
ATM, Foreign ATM for Customers	$1.50	Not stated	None
Debit Card, Replacement	$7.50	Not stated	None
Wire Transfers
Wire Transfer, Domestic Outgoing	$15	Not stated	None
Wire Transfer, Domestic Incoming	$10	Not stated	None
Wire Transfer, International Outgoing	$45	Not stated	None
Wire Transfer, International Incoming	$25	Not stated	None
Check Services
Cashier’s Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment Fee on Money Order	$30	Not stated	None
Temporary Checks	$1Not compared: Charged per page; comparison unavailable	per page	None
Check Cashing, Noncustomers	$10	Not stated	None
Cash & Deposit
Item Returned, Chargeback Fee to Commercial Account	$7.50	Not stated	None
Night Depository Key	$5	Not stated	None
Night Depository Service	$2.50Not compared: Monthly charge, not per item	per month	None
Account Services
Notary Public for Noncustomers	$5	Not stated	None
Safe Deposit Box Replacement Key	$10Not compared: Box drilling or key fee	Not stated	None
Levy/Garnishment	$50	Not stated	None
Verification of Deposit	$10	Not stated	None
Retirement & IRA
IRA Annual	$10	per year	None
Other Fees
Faxes for Noncustomers	$5	Not stated	None

Correct a fee source

Oct 11, 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 First National Bank and Trust Co., Chickasha, Oklahoma operates, and what regulators and customers have on file.

Market position

In Oklahoma City, OK, The First National Bank and Trust Co., Chickasha, Oklahoma holds 1.5% of bank deposits, #9 of 71, with 9 offices.

Compare fees with the 55 Oklahoma City, OK banks and credit unions in its home-metro peer set →

Offices in the metro

504 offices of 95 institutions shown.

The First National Bank and Trust Co., Chickasha, OklahomaOther banksCredit unions

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: Oklahoma City, OK metro (FDIC metro code 36420), 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: 8 offices have no coordinates on file

Share of bank deposits

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

1MidFirst Bank23.5%
2BOKF, National Association12.3%
3JPMorgan Chase Bank, National Association9.4%
4BancFirst8.3%
5Bank of America, National Association8.3%
6First Fidelity Bank2.9%
7Arvest Bank2.6%
8First United Bank and Trust Company1.9%
9The First National Bank and Trust Co., Chickasha, Oklahoma1.5%

9 of 71 institutions shown. $60.8B 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: Oklahoma City, OK metro (FDIC metro code 36420)
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: 1.5% share, 9 offices, #9 of 71

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: Oklahoma City, OK 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

124 offices of 24 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 OCC and Federal Reserve

The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 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

Get an email when The First National Bank and Trust Co., Chickasha, Oklahoma's nsf / returned item changes in our data

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