Fees from its schedule are under review and appear here once review is done.
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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
59th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 11, 2026
Call-report figures are for First National Bank of Waterloo 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 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. | First National Bank of Waterloo'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
Service charges were 2.4% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (59th 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 $223K in Q2 2026, about level with the same quarter a year earlier ($223K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for First National Bank of Waterloo (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 | $223K | −$1K | −0.4% |
| Q1 2026 | $224K | −$9K | −3.9% |
| Q4 2025 | $233K | −$1K | −0.4% |
| Q3 2025 | $234K | +$11K | +4.9% |
| Q2 2025 | $223K | +$4K | +1.8% |
| Q1 2025 | $219K | −$14K | −6.0% |
| Q4 2024 | $233K | +$2K | +0.9% |
| Q3 2024 | $231K | +$17K | +7.9% |
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, First National Bank of Waterloo left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First National Bank of Waterloo by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Low monthly fee (audience not stated, treated as personal) | $5 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $5Not compared: Daily charge, not monthly | per day | None |
| Monthly Maintenance (audience not stated, treated as personal) | $5Not compared: Daily charge, not monthly | per day | None |
| Monthly Maintenance (audience not stated, treated as personal) | $5 | per month | None |
| Waived monthly fee (audience not stated, treated as personal) | $5 | per month | None |
Check ServicesUnder review | |||
| Official Checks/ free personalized club checks (or 50% off other styles) (audience not stated, treated as personal) | No charge | Not stated | None |
Other feesUnder review | |||
| $10 monthly charge (FNB Premier Money Market) (audience not stated, treated as personal) | $10 | per month | None |
| $3 monthly charge (FNB First Savings) (audience not stated, treated as personal) | $3 | per month | None |
| 25% discount on annual safe deposit box fee (audience not stated, treated as personal) | Not stated | per year | None |
| 50% discount on annual safe deposit box fee (audience not stated, treated as personal) | Not stated | per year | None |
| Free Notary service (audience not stated, treated as personal) | $10 | Not stated | None |
| Low monthly fee (audience not stated, treated as personal) | $5 | per month | None |
| monthly charge if balance falls below daily minimum balance (audience not stated, treated as personal) | $10 | per month | None |
| monthly charge will be assessed on accounts with a daily minimum balance of less than (audience not stated, treated as personal) | $3 | per month | None |
| Paper Statements are available upon request (audience not stated, treated as personal) | $3 | per month | None |
| Protect your valuables (audience not stated, treated as personal) | Not stated | per year | None |
| service charge if balance falls below daily minimum balance (audience not stated, treated as personal) | $5 | per day | 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 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.
Where First National Bank of Waterloo operates, and what regulators and customers have on file.
Branch footprint
16 offices in 1 state, $779.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 14 | $720.1M | |
| Outside a metro area | 2 | $59.5M |
St. Louis, MO-IL
0.5% of bank deposits, #36 of 111, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 13% |
| Stifel Bank and Trust | 12.4% |
| Bank of America, National Association | 11.8% |
| Stifel Bank | 9.6% |
| Commerce Bank | 5.8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In St. Louis, MO-IL, First National Bank of Waterloo holds 0.5% of bank deposits, #36 of 111, with 14 offices.
900 offices of 90 institutions shown.
Showing 900 of 1,001 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).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 111 institutions shown. $141.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.5% share, 14 offices, #36 of 111
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
207 offices of 43 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
1 past action
Past
OCC, penalty $2K
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
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows