Compared with Alabama
12 of 21
compared fees are above the median.
5 below, 4 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
77th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Alabama median
of 21 compared; 5 below, 4 about the same
See the feesFee schedule read Oct 4, 2026
Call-report figures are for First Metro 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 Alabama median | Published fees above the Alabama median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Metro Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 4, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.7% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (77th 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 $376K in Q2 2026, 17% below the same quarter a year earlier ($451K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
12 of 21 compared published fees sit above the Alabama median; 5 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 Alabama medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 18% from Q3 2025 to Q2 2026, to $376K. Its share of revenue, 3.7%, is above the 2.2% median for banks with $1B to $10B in assets.
$376K
First Metro 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.
First Metro Bank · $1B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Metro Bank(this institution) | Muscle Shoals, AL | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of the James | Lynchburg, VA | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Brannen Bank | Inverness, FL | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Calvin B. Taylor Banking Company of Berlin, Maryland | Berlin, MD | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Clear Mountain Bank | Bruceton Mills, WV | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Central Savings Bank | Glen Cove, NY | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Federal Bank of Kansas City | Lees Summit, MO | $993M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Federal Community Bank, National Association | Dover, OH | $995M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings and Loan Association of Greene Co | Waynesburg, PA | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Service Bank | Greenbrier, AR | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Grand Savings Bank | Grove, OK | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Haven Savings Bank | Hoboken, NJ | $987M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| HomeTown Bank, National Association | Galveston, TX | $990M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | Jonestown, PA | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kirkpatrick Bank | Edmond, OK | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midwest Bank | Detroit Lakes, MN | $985M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Olympia Federal Savings and Loan Association | Olympia, WA | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Presidential Bank, FSB | Bethesda, MD | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| R Bank | Round Rock, TX | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| River Bank | Stoddard, WI | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | 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 |
| The Bank of Old Monroe | Old Monroe, MO | $995M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Port Washington State Bank | Port Washington, WI | $1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Torrington Savings Bank | Torrington, CT | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Vision Bank | Ada, OK | $1000M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Walden Savings Bank | Montgomery, NY | $1B | 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.
Peer pricing snapshot
The peer median is $7.25 among 18 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 Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
First Metro Bank does not publish a monthly maintenance fee, so it is not on this chart.
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.
Call reports for First Metro 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 | $376K | −$19K | −4.8% |
| Q1 2026 | $395K | −$35K | −8.1% |
| Q4 2025 | $430K | −$27K | −5.9% |
| Q3 2025 | $457K | +$6K | +1.3% |
| Q2 2025 | $451K | −$16K | −3.4% |
| Q1 2025 | $467K | −$25K | −5.1% |
| Q4 2024 | $492K | +$2K | +0.4% |
| Q3 2024 | $490K | +$33K | +7.2% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First Metro Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Metro Bank by share.
Amounts from First Metro Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per hour
per item
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Service charge (balance falls below $1,000) (audience not stated, treated as personal) | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge (balance falls below $2,500) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Close of Account within 90 days of opening | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Fee | $33Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) Fee | $33Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| OD Protection Transfer Fee | $15Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Balance Inquiry other than First Metro ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Foreign ATM withdrawal fee | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement ATM or Check Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer: Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic Wire Transfer: Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Transfer: Outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| International Wire Transfer: Incoming | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Check Non-Customer | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop payments (per item) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Items: Bonds and Coupons | $12Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Domestic Collection Item (incoming and outgoing) | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| International Collection Item (incoming and outgoing) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Image Copies | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Special Handled Items (deposited items returned unpaid, chargebacks, cash | $3Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Fee (per item notarized) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 4 x 10 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Levy/Garnishment | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Statement | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies | $1Not compared: Charged per page; comparison unavailable | per page | 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 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.
Where First Metro Bank operates, and what regulators and customers have on file.
Branch footprint
11 offices in 1 state, $893.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 8 | $822.0M | |
| Outside a metro area | 1 | $45.0M |
| 2 | $26.7M |
Florence-Muscle Shoals, AL
20.9% of bank deposits, #2 of 16, up 0.7 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank Independent | 29.2% |
| First Southern Bank | 14% |
| CB&S Bank, Inc. | 7.2% |
| Regions Bank | 7% |
| Truist Bank | 4.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Florence-Muscle Shoals, AL, First Metro Bank holds 20.9% of bank deposits, #2 of 16, with 8 offices.
76 offices of 26 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 16 institutions shown. $3.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 20.9% share, 8 offices, #2 of 16
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
34 offices of 10 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.