First Bank

Headquarters: Clewiston, Florida
Charter: Bank
Assets: $810.5M
Fed district: Atlanta
Regulator: FDIC
Holding company: Pioneer Bankcorp Inc.

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

Source: its fee schedule, read Nov 2, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 Nov 2, 2026

How these figures are measured

Call-report figures are for First 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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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.	First Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: First Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $361K in Q2 2026, 18% above the same quarter a year earlier ($306K).
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 $6, the middle of its prices
First Bank: $2 to $10
First Bank: $2 to $10
U.S. median: no median
Overdraft (OD)
First Bank: $30
First Bank: $30
U.S. median: no median
NSF / Returned Item
First Bank: $30
First Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta 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).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 6.2% from Q3 2025 to Q2 2026, to $361K.

Service-charge income, Q2 2026

$361K

$340KQ3 2025

$387KQ4 2025

$353KQ1 2026

$361KQ2 2026

Against the median

First BankMedian

Sources and open questions

FDIC 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

First Bank · $811M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$787M to $834M in assets
Headquartered in 17 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 Bank(this institution)	Clewiston, FL	$811M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Bridger, National Association	Bridger, MT	$803M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of the West	Grapevine, TX	$830M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Barwick Banking Company	Barwick, GA	$830M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
CIBM Bank	Champaign, IL	$820M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank	Corvallis, OR	$823M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
City State Bank	Norwalk, IA	$788M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
CNB St Louis Bank	Maplewood, MO	$813M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cumberland Valley National Bank & Trust Company	London, KY	$816M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Century Bank	Tazewell, TN	$810M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Freedom Bank	Lebanon, TN	$818M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Savings Bank of Hegewisch	Chicago, IL	$787M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
First Western Bank	Booneville, AR	$793M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Macon Bank and Trust Company	Lafayette, TN	$821M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Oregon Pacific Bank	Florence, OR	$825M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Platte Valley Bank	Torrington, WY	$809M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Premier Bank	Rock Valley, IA	$826M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
PromiseOne Bank	Duluth, GA	$812M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Quail Creek Bank	Oklahoma City, OK	$831M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Quontic Bank	Astoria, NY	$787M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Rollstone Bank & Trust	Fitchburg, MA	$816M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Royal Bank	Elroy, WI	$816M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sauk Valley Bank & Trust Company	Sterling, IL	$791M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Western State Bank	Garden City, KS	$802M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
West Shore Bank	Ludington, MI	$834M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wilson & Muir Bank & Trust Company	Bardstown, KY	$818M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ 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.

Fee type

Peer pricing snapshot

Monthly maintenance is $2 (25%) below the median of similar-sized banks.

Compared at $6, the middle of its three prices, against a peer median of $8 among 13 publishing peers.

Its three checking prices are $2, $6 and $10.

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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (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 31, 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 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: $361K
vs prior quarter: +$8K+2.3%; from Q1 2026
vs a year earlier: +$55K+18.0%; from Q2 2025
vs start of range: −$3K−0.8%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: First Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$361K	+$8K	+2.3%
Q1 2026	$353K	−$34K	−8.8%
Q4 2025	$387K	+$47K	+13.8%
Q3 2025	$340K	+$34K	+11.1%
Q2 2025	$306K	−$21K	−6.4%
Q1 2025	$327K	−$56K	−14.6%
Q4 2024	$383K	+$19K	+5.2%
Q3 2024	$364K	+$25K	+7.4%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

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

Account Maintenance

InControl Checking Monthly service charge$6
per month
Monthly service charge fee$10
per month
Service charge fee$2
per month
Dormant Account Fee$5
per month
Research Fee (Per Hour - Min. One Hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Debit Fee - Savings Account (Each Withdrawal/Debit Over 3 per Month)$4
per item
Excessive Debit Fee: An excessive debit fee$4
per item
Returned Mail, Undeliverable$5
per month

Overdraft & NSF

Overdraft Item Fee - Each overdraft paid$30
per item
Returned Item Fee - Item is returned unpaid$30
Fee for Automatic Transfer (Per Transfer; Overdraft Protection link to another deposit account you have at First Bank)$2
per item

ATM & Card

Balance Inquiries (any ATM)No charge
Replacement Debit Card$5
per item

Wire Transfers

Wire Transfer Services: Outgoing - Domestic (audience not stated, treated as personal)$15
Wire Transfer Services: Incoming - Domestic (audience not stated, treated as personal)No charge
Wire Transfer Services: Outgoing - Foreign (audience not stated, treated as personal)$45
Wire Transfer Services: Incoming - Foreign (audience not stated, treated as personal)No charge

Check Services

Cashier's Check Fee - Customers$5
Stop Payment/Renewal Fee - Billpay$30
Temporary Checks$1
varies · Per page (4 checks per page)
Temporary Checks (4 Checks per page)$1
per item

Digital & Electronic

ACH Service Set Up Fee (ACH Origination Initial Setup Fee) (audience not stated, treated as personal)$100
First1Online Banking & Bill PayNo charge

Cash & Deposit

Coin counting (audience not stated, treated as personal)3%
Coin counting3%
Chargeback Items - RedepositNo charge

Account Services

Notary Public Services - CustomersNo charge
Safe Deposit Box 10x10 inches$75
Safe Deposit Box 2x5 inches$25
Safe Deposit Box 3x10 inches$45
Safe Deposit Box 3x5 inches$30
Safe Deposit Box 4x10 inches$50
Safe Deposit Box 5x10 inches$55
Safe Deposit Box 5x5 inches$40
IRS Levy, State Levy, or Writ of Garnishment$100

Other Fees

Fax - Per Page$2
per item
Fax - Per Page (Non Customers)$4
per item
Research: Photocopy (Per Page)$1
Not compared: Charged per page; comparison unavailable
per page · Research: Photocopy (Per Page) | $1.00
Statement Printout (Per Statement)$5
Not compared: Charged per statement; comparison unavailable
per statement · Statement Printout (Per Statement) | $5.00
Payoff Letter Fee (Loans)$25

Fee	Amount	Basis	Note
Account Maintenance
InControl Checking Monthly service charge	$6	per month	None
Monthly service charge fee	$10	per month	None
Service charge fee	$2	per month	None
Dormant Account Fee	$5	per month	None
Research Fee (Per Hour - Min. One Hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Debit Fee - Savings Account (Each Withdrawal/Debit Over 3 per Month)	$4	per item	None
Excessive Debit Fee: An excessive debit fee	$4	per item	None
Returned Mail, Undeliverable	$5	per month	None
Overdraft & NSF
Overdraft Item Fee - Each overdraft paid	$30	per item	None
Returned Item Fee - Item is returned unpaid	$30	Not stated	None
Fee for Automatic Transfer (Per Transfer; Overdraft Protection link to another deposit account you have at First Bank)	$2	per item	None
ATM & Card
Balance Inquiries (any ATM)	No charge	Not stated	None
Replacement Debit Card	$5	per item	None
Wire Transfers
Wire Transfer Services: Outgoing - Domestic (audience not stated, treated as personal)	$15	Not stated	None
Wire Transfer Services: Incoming - Domestic (audience not stated, treated as personal)	No charge	Not stated	None
Wire Transfer Services: Outgoing - Foreign (audience not stated, treated as personal)	$45	Not stated	None
Wire Transfer Services: Incoming - Foreign (audience not stated, treated as personal)	No charge	Not stated	None
Check Services
Cashier's Check Fee - Customers	$5	Not stated	None
Stop Payment/Renewal Fee - Billpay	$30	Not stated	None
Temporary Checks	$1	varies	Per page (4 checks per page)
Temporary Checks (4 Checks per page)	$1	per item	None
Digital & Electronic
ACH Service Set Up Fee (ACH Origination Initial Setup Fee) (audience not stated, treated as personal)	$100	Not stated	None
First1Online Banking & Bill Pay	No charge	Not stated	None
Cash & Deposit
Coin counting (audience not stated, treated as personal)	3%	Not stated	None
Coin counting	3%	Not stated	None
Chargeback Items - Redeposit	No charge	Not stated	None
Account Services
Notary Public Services - Customers	No charge	Not stated	None
Safe Deposit Box 10x10 inches	$75	Not stated	None
Safe Deposit Box 2x5 inches	$25	Not stated	None
Safe Deposit Box 3x10 inches	$45	Not stated	None
Safe Deposit Box 3x5 inches	$30	Not stated	None
Safe Deposit Box 4x10 inches	$50	Not stated	None
Safe Deposit Box 5x10 inches	$55	Not stated	None
Safe Deposit Box 5x5 inches	$40	Not stated	None
IRS Levy, State Levy, or Writ of Garnishment	$100	Not stated	None
Other Fees
Fax - Per Page	$2	per item	None
Fax - Per Page (Non Customers)	$4	per item	None
Research: Photocopy (Per Page)	$1Not compared: Charged per page; comparison unavailable	per page	Research: Photocopy (Per Page) \| $1.00
Statement Printout (Per Statement)	$5Not compared: Charged per statement; comparison unavailable	per statement	Statement Printout (Per Statement) \| $5.00
Payoff Letter Fee (Loans)	$25	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Business Account Closure (Within 6 Months of account opening)$20
Dormant Account Fee$5
per month
Research Fee (Per Hour - Min. One Hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Debit Fee - Savings Account (Each Withdrawal/Debit Over 3 per Month)$4
per item
Returned Mail, Undeliverable$5
per month

Overdraft & NSF

Overdraft Item Fee - Each overdraft paid$30
per item
Returned Item Fee - Item is returned unpaid$30
Fee for Automatic Transfer (Per Transfer; Overdraft Protection link to another deposit account you have at First Bank)$2
per item

ATM & Card

Balance Inquiries (any ATM)No charge
Replacement Debit Card$5
per item

Check Services

Cashier's Check Fee - Customers$5
Stop Payment/Renewal Fee - Billpay$30
Temporary Checks$1
varies · Per page (4 checks per page)
Temporary Checks (4 Checks per page)$1
per item

Digital & Electronic

First1Online Banking & Bill PayNo charge

Cash & Deposit

Coin counting3%
Chargeback Items - Business$6
Chargeback Items - RedepositNo charge

Account Services

Notary Public Services - CustomersNo charge
Safe Deposit Box 10x10 inches$75
Safe Deposit Box 2x5 inches$25
Safe Deposit Box 3x10 inches$45
Safe Deposit Box 3x5 inches$30
Safe Deposit Box 4x10 inches$50
Safe Deposit Box 5x10 inches$55
Safe Deposit Box 5x5 inches$40
IRS Levy, State Levy, or Writ of Garnishment$100

Other Fees

Fax - Per Page$2
per item
Fax - Per Page (Non Customers)$4
per item
Research: Photocopy (Per Page)$1
Not compared: Charged per page; comparison unavailable
per page · Research: Photocopy (Per Page) | $1.00
Statement Printout (Per Statement)$5
Not compared: Charged per statement; comparison unavailable
per statement · Statement Printout (Per Statement) | $5.00
Payoff Letter Fee (Loans)$25

Fee	Amount	Basis	Note
Account Maintenance
Business Account Closure (Within 6 Months of account opening)	$20	Not stated	None
Dormant Account Fee	$5	per month	None
Research Fee (Per Hour - Min. One Hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Debit Fee - Savings Account (Each Withdrawal/Debit Over 3 per Month)	$4	per item	None
Returned Mail, Undeliverable	$5	per month	None
Overdraft & NSF
Overdraft Item Fee - Each overdraft paid	$30	per item	None
Returned Item Fee - Item is returned unpaid	$30	Not stated	None
Fee for Automatic Transfer (Per Transfer; Overdraft Protection link to another deposit account you have at First Bank)	$2	per item	None
ATM & Card
Balance Inquiries (any ATM)	No charge	Not stated	None
Replacement Debit Card	$5	per item	None
Check Services
Cashier's Check Fee - Customers	$5	Not stated	None
Stop Payment/Renewal Fee - Billpay	$30	Not stated	None
Temporary Checks	$1	varies	Per page (4 checks per page)
Temporary Checks (4 Checks per page)	$1	per item	None
Digital & Electronic
First1Online Banking & Bill Pay	No charge	Not stated	None
Cash & Deposit
Coin counting	3%	Not stated	None
Chargeback Items - Business	$6	Not stated	None
Chargeback Items - Redeposit	No charge	Not stated	None
Account Services
Notary Public Services - Customers	No charge	Not stated	None
Safe Deposit Box 10x10 inches	$75	Not stated	None
Safe Deposit Box 2x5 inches	$25	Not stated	None
Safe Deposit Box 3x10 inches	$45	Not stated	None
Safe Deposit Box 3x5 inches	$30	Not stated	None
Safe Deposit Box 4x10 inches	$50	Not stated	None
Safe Deposit Box 5x10 inches	$55	Not stated	None
Safe Deposit Box 5x5 inches	$40	Not stated	None
IRS Levy, State Levy, or Writ of Garnishment	$100	Not stated	None
Other Fees
Fax - Per Page	$2	per item	None
Fax - Per Page (Non Customers)	$4	per item	None
Research: Photocopy (Per Page)	$1Not compared: Charged per page; comparison unavailable	per page	Research: Photocopy (Per Page) \| $1.00
Statement Printout (Per Statement)	$5Not compared: Charged per statement; comparison unavailable	per statement	Statement Printout (Per Statement) \| $5.00
Payoff Letter Fee (Loans)	$25	Not stated	None

Correct a fee source

Nov 2, 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.

Fee change alerts

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