Compared with Tennessee
4 of 11
compared fees are above the median.
4 below, 3 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
75th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Tennessee median
of 11 compared; 4 below, 3 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for The First National Bank of Middle Tennessee 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 1,412 banks with $300M to $1B 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 Tennessee median | Published fees above the Tennessee 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 of Middle Tennessee's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.4% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (75th 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 $356K in Q2 2026, 13% above the same quarter a year earlier ($315K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 11 compared published fees sit above the Tennessee median; 4 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 Tennessee medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 17% from Q3 2025 to Q2 2026, to $356K. Its share of revenue, 3.4%, is above the 2.1% median for banks with $300M to $1B in assets.
$356K
The First National Bank of Middle TennesseeMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
The First National Bank of Middle Tennessee · $952M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The First National Bank of Middle Tennessee(this institution) | Mcminnville, TN | $952M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| American Bank & Trust Company, Inc. | Bowling Green, KY | $924M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Botetourt | Buchanan, VA | $939M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Bank | Little Rock, AR | $955M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Dream First Bank, National Association | Syracuse, KS | $964M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dundee Bank | Omaha, NE | $976M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Bank & Trust Co. | Duncan, OK | $952M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Commerce Bank | Lewisburg, TN | $935M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Community Bank of Tennessee | Shelbyville, TN | $944M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank and Trust Company of Weatherford | Weatherford, TX | $968M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Security Bank | Batesville, MS | $977M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First State Bank | Waynesboro, MS | $952M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Franklin Savings Bank | Franklin, NH | $931M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Greenfield Banking Company | Greenfield, IN | $930M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| International Bank of Chicago | Chicago, IL | $983M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Legends Bank | Clarksville, TN | $928M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mid-Missouri Bank | Springfield, MO | $947M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Oxford Bank | Oxford, MI | $931M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Passumpsic Savings Bank | Saint Johnsbury, VT | $934M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Bank | Henderson, TX | $954M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas Heritage National Bank | Daingerfield, TX | $936M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Farmers & Merchants Bank | Berlin, WI | $949M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Farmers Bank | Portland, TN | $943M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The First National Bank of Granbury | Granbury, TX | $946M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Killbuck Savings Bank Company | Killbuck, OH | $954M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Winchester Co-operative Bank | Winchester, MA | $947M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8 among 13 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 22, 2026.
Monthly maintenance fee in dollars, one mark per institution
The First National Bank of Middle Tennessee 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 22, 2026. Total assets from FDIC and NCUA records.
Call reports for The First National Bank of Middle Tennessee (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 | $356K | +$70K | +24.5% |
| Q1 2026 | $286K | −$2K | −0.7% |
| Q4 2025 | $288K | −$17K | −5.6% |
| Q3 2025 | $305K | −$10K | −3.2% |
| Q2 2025 | $315K | +$89K | +39.4% |
| Q1 2025 | $226K | −$38K | −14.4% |
| Q4 2024 | $264K | +$25K | +10.5% |
| Q3 2024 | $239K | −$42K | −14.9% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, The First National Bank of Middle Tennessee left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The First National Bank of Middle Tennessee by share.
Amounts from The First National Bank of Middle Tennessee’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account | $3Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Research | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Item | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Nonsufficient Funds (NSF) Item | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM User Fee at non-FNB ATM’s | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Lost Debit Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer-Incoming Consumer: Domestic | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer-Incoming Consumer: International | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Wire Transfer-Incoming Consumer: International | $10Inside 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) | per item | None |
| Stop Payment Order | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks | $3Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection Fees | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Other Fees | |||
| Statement Reprint | $7Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $5 | per month | None |
| Monthly fee | $15 | per month | None |
| Dormant Account | $3Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Research | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Savings Account Excess Withdrawal Fee | $3 | per item | None |
Overdraft & NSF | |||
| Overdraft Item | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Nonsufficient Funds (NSF) Item | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM User Fee at non-FNB ATM’s | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Lost Debit Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer-Outgoing Domestic | $25 | Not stated | None |
| Wire Transfer-Incoming Domestic | $10 | Not stated | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Order | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks | $3Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection Fees | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Items Returned/Chargebacks | $10 | per item | None |
Account Services | |||
| Garnishments/Levy’s | $25 | Not stated | None |
Other Fees | |||
| Statement Reprint | $7Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 16, 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 The First National Bank of Middle Tennessee operates, and what regulators and customers have on file.
Branch footprint
11 offices in 1 state, $827.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 6 | $509.4M |
| 5 | $318.4M |
Nashville-Davidson--Murfreesboro--Franklin, TN
0.3% of bank deposits, #33 of 62, up 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Pinnacle Bank | 21.1% |
| Bank of America, National Association | 18.7% |
| Regions Bank | 9% |
| Truist Bank | 7% |
| First Horizon Bank | 5.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Nashville-Davidson--Murfreesboro--Franklin, TN, The First National Bank of Middle Tennessee holds 0.3% of bank deposits, #33 of 62, with 5 offices.
678 offices of 94 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.
9 of 62 institutions shown. $107.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2011 to 2026
June 2026: 0.3% share, 5 offices, #33 of 62
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2011 to 2026.
Credit unions, reported separately
105 offices of 34 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
We check once a day and send one email covering every change.