Compared with Florida
1 of 24
compared fees are above the median.
16 below, 7 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
79th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Florida median
of 24 compared; 16 below, 7 about the same
See the feesFee schedule read Nov 2, 2026
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 | 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 Florida median | Published fees above the Florida 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
Service charges were 3.8% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (79th 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 $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.
1 of 24 compared published fees sit above the Florida median; 16 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 Florida medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $6, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income rose 6.2% from Q3 2025 to Q2 2026, to $361K. Its share of revenue, 3.8%, is above the 2.1% median for banks with $300M to $1B in assets.
$361K
First BankMedian
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. *Monthly maintenance: Listed at $2 to $10; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for First 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 | $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% |
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 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 Bank by share.
Amounts from First Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour
per item
per item
per month
per item
per item
varies · Per page (4 checks per page)
per item
per item
per item
per page · Research: Photocopy (Per Page) | $1.00
per statement · Statement Printout (Per Statement) | $5.00
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| InControl Checking Monthly service charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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) | $4Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Excessive Debit Fee: An excessive debit fee | $4Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Returned Mail, Undeliverable | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Item Fee - Each overdraft paid | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item Fee - Item is returned unpaid | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Fee for Automatic Transfer (Per Transfer; Overdraft Protection link to another deposit account you have at First Bank) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Balance Inquiries (any ATM) | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer Services: Outgoing - Domestic (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Services: Incoming - Domestic (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Services: Outgoing - Foreign (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer Services: Incoming - Foreign (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check Fee - Customers | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment/Renewal Fee - Billpay | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | varies | Per page (4 checks per page) |
| Temporary Checks (4 Checks per page) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Digital & Electronic | |||
| ACH Service Set Up Fee (ACH Origination Initial Setup Fee) (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| First1Online Banking & Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | 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 chargeBelow the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Public Services - Customers | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 10x10 inches | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2x5 inches | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x10 inches | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 inches | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4x10 inches | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10 inches | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x5 inches | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| IRS Levy, State Levy, or Writ of Garnishment | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Fax - Per Page | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax - Per Page (Non Customers) | $4Inside the U.S. middle 50% ($2 to $5 nationally) | 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) | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | 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
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per month
per item
per item
varies · Per page (4 checks per page)
per item
per item
per item
per page · Research: Photocopy (Per Page) | $1.00
per statement · Statement Printout (Per Statement) | $5.00
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Business Account Closure (Within 6 Months of account opening) | $20 | Not stated | None |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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) | $4Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Returned Mail, Undeliverable | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Item Fee - Each overdraft paid | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item Fee - Item is returned unpaid | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Fee for Automatic Transfer (Per Transfer; Overdraft Protection link to another deposit account you have at First Bank) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Balance Inquiries (any ATM) | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Cashier's Check Fee - Customers | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment/Renewal Fee - Billpay | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | varies | Per page (4 checks per page) |
| Temporary Checks (4 Checks per page) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Digital & Electronic | |||
| First1Online Banking & Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin counting | 3% | Not stated | None |
| Chargeback Items - Business | $6 | Not stated | None |
| Chargeback Items - Redeposit | No chargeBelow the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Public Services - Customers | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 10x10 inches | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2x5 inches | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x10 inches | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 inches | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4x10 inches | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10 inches | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x5 inches | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| IRS Levy, State Levy, or Writ of Garnishment | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Fax - Per Page | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax - Per Page (Non Customers) | $4Inside the U.S. middle 50% ($2 to $5 nationally) | 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) | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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.
Where First Bank operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state, $727.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $523.8M |
| 1 | $123.6M | |
| 1 | $47.6M | |
| 1 | $32.3M |
Cape Coral-Fort Myers, FL
0.6% of bank deposits, #25 of 34, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 15.3% |
| Bank of America, National Association | 13.1% |
| Truist Bank | 10.5% |
| JPMorgan Chase Bank, National Association | 9.4% |
| Fifth Third Bank, National Association | 9.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Cape Coral-Fort Myers, FL, First Bank holds 0.6% of bank deposits, #25 of 34, with 1 office.
190 offices of 40 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 34 institutions shown. $21.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.6% share, 1 office, #25 of 34
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
32 offices of 6 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.