First Century Bank

Headquarters: Tazewell, Tennessee
Charter: Bank
Assets: $809.8M
Fed district: Atlanta
Regulator: FDIC
Holding company: Claiborne Holding Co Inc.

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

Source: its fee schedule, read Nov 3, 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 3, 2026

How these figures are measured

Call-report figures are for First Century 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 Century Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: First Century 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 $313K in Q2 2026, 9.1% above the same quarter a year earlier ($287K).
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 $8, the middle of its prices
First Century Bank: $5 to $14
First Century Bank: $5 to $14
U.S. median: no median
Overdraft (OD)
First Century Bank: $35
First Century Bank: $35
U.S. median: no median
Non-Network ATM
Compared at $4.25, the middle of its prices
First Century Bank: $1 to $7.50
First Century Bank: $1 to $7.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

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.

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).
Tennessee: Banks and credit unions headquartered in Tennessee 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 12% from Q3 2025 to Q2 2026, to $313K.

Service-charge income, Q2 2026

$313K

$280KQ3 2025

$286KQ4 2025

$324KQ1 2026

$313KQ2 2026

Against the median

First Century 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 Century Bank · $810M 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.

Banks only
$787M to $831M in assets
Headquartered in 18 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 Century Bank(this institution)	Tazewell, TN	$810M	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 Bank	Clewiston, FL	$811M	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
Franklin Savings Bank	Farmington, ME	$787M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	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
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 (33%) above the median of similar-sized banks.

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

Its three checking prices are $5, $8 and $14.

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 Century 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 Century 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: $313K
vs prior quarter: −$11K−3.4%; from Q1 2026
vs a year earlier: +$26K+9.1%; from Q2 2025
vs start of range: +$29K+10.2%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: First Century 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	$313K	−$11K	−3.4%
Q1 2026	$324K	+$38K	+13.3%
Q4 2025	$286K	+$6K	+2.1%
Q3 2025	$280K	−$7K	−2.4%
Q2 2025	$287K	+$3K	+1.1%
Q1 2025	$284K	+$11K	+4.0%
Q4 2024	$273K	−$11K	−3.9%
Q3 2024	$284K	+$23K	+8.8%

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 Century Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Maintenance Fee (audience not stated, treated as personal)$14
Service Charge$8
per month · waived when the minimum daily balance of $1,500 is maintained
Service Charge$5
per month
Dormant Account Charge (Monthly for balances under $500) (audience not stated, treated as personal)$5
per month
Research Fee (plus $1.00 per copy) per hour$50
Not compared: Charged per hour; comparison unavailable
per hour
Consumer Additional Mailed Statement Fee$5

Overdraft & NSF

Overdraft fee$35
per item

ATM & Card

ATM Fees (per foreign bank ATM transaction) (audience not stated, treated as personal)$1
Checks, In Person, ATM W/D, o$7.50
Debit Card Replacement (1st replacement card is free/Replacement due to fraud no charge) (audience not stated, treated as personal)$7
ATM Surcharged Fee on Foreign Transactions at our ATM's except for checkcard debit POS transactions (audience not stated, treated as personal)$2.95

Wire Transfers

Outgoing Wire Transfers (audience not stated, treated as personal)$35
Incoming Wire Transfers (audience not stated, treated as personal)$15
Foreign Wire Transfers Outgoing (Correspondent Bank $25.00; FCB $75.00) (audience not stated, treated as personal)$100

Check Services

Cashier's Check Fee (audience not stated, treated as personal)$6
Stop Payments (Including ACH Items) (audience not stated, treated as personal)$35

Account Services

Lost Safety Deposit Box Key Fee (One Key Replacement)$75
Not compared: Box drilling or key fee
Replacement Fee for Safe Deposit Box (Two Key and Lock Replacement)$250
Not compared: Box drilling or key fee
Safe Deposit Box Rent Late Fee (Per Month)$10
Not compared: Monthly charge, not annual
per month
Levy & Garnishment Fee$150

Retirement & IRA

IRA Transfer Fee$25

Other Fees

Fax$5

Fee	Amount	Basis	Note
Account Maintenance
Account Maintenance Fee (audience not stated, treated as personal)	$14	Not stated	None
Service Charge	$8	per month	waived when the minimum daily balance of $1,500 is maintained
Service Charge	$5	per month	None
Dormant Account Charge (Monthly for balances under $500) (audience not stated, treated as personal)	$5	per month	None
Research Fee (plus $1.00 per copy) per hour	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Consumer Additional Mailed Statement Fee	$5	Not stated	None
Overdraft & NSF
Overdraft fee	$35	per item	None
ATM & Card
ATM Fees (per foreign bank ATM transaction) (audience not stated, treated as personal)	$1	Not stated	None
Checks, In Person, ATM W/D, o	$7.50	Not stated	None
Debit Card Replacement (1st replacement card is free/Replacement due to fraud no charge) (audience not stated, treated as personal)	$7	Not stated	None
ATM Surcharged Fee on Foreign Transactions at our ATM's except for checkcard debit POS transactions (audience not stated, treated as personal)	$2.95	Not stated	None
Wire Transfers
Outgoing Wire Transfers (audience not stated, treated as personal)	$35	Not stated	None
Incoming Wire Transfers (audience not stated, treated as personal)	$15	Not stated	None
Foreign Wire Transfers Outgoing (Correspondent Bank $25.00; FCB $75.00) (audience not stated, treated as personal)	$100	Not stated	None
Check Services
Cashier's Check Fee (audience not stated, treated as personal)	$6	Not stated	None
Stop Payments (Including ACH Items) (audience not stated, treated as personal)	$35	Not stated	None
Account Services
Lost Safety Deposit Box Key Fee (One Key Replacement)	$75Not compared: Box drilling or key fee	Not stated	None
Replacement Fee for Safe Deposit Box (Two Key and Lock Replacement)	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Rent Late Fee (Per Month)	$10Not compared: Monthly charge, not annual	per month	None
Levy & Garnishment Fee	$150	Not stated	None
Retirement & IRA
IRA Transfer Fee	$25	Not stated	None
Other Fees
Fax	$5	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

Research Fee (plus $1.00 per copy) per hour$50
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Continuous Overdraft$10
per item
Daily Overdraft Fee (For 3 Consecutive Business Days or more on Business or Commercial Accounts per day)$10
per day

ATM & Card

Checks, In Person, ATM W/D, o$7.50

Account Services

Lost Safety Deposit Box Key Fee (One Key Replacement)$75
Not compared: Box drilling or key fee
Replacement Fee for Safe Deposit Box (Two Key and Lock Replacement)$250
Not compared: Box drilling or key fee
Safe Deposit Box Rent Late Fee (Per Month)$10
Not compared: Monthly charge, not annual
per month
Levy & Garnishment Fee$150

Retirement & IRA

IRA Transfer Fee$25

Other Fees

Fax$5

Fee	Amount	Basis	Note
Account Maintenance
Research Fee (plus $1.00 per copy) per hour	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Continuous Overdraft	$10	per item	None
Daily Overdraft Fee (For 3 Consecutive Business Days or more on Business or Commercial Accounts per day)	$10	per day	None
ATM & Card
Checks, In Person, ATM W/D, o	$7.50	Not stated	None
Account Services
Lost Safety Deposit Box Key Fee (One Key Replacement)	$75Not compared: Box drilling or key fee	Not stated	None
Replacement Fee for Safe Deposit Box (Two Key and Lock Replacement)	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Rent Late Fee (Per Month)	$10Not compared: Monthly charge, not annual	per month	None
Levy & Garnishment Fee	$150	Not stated	None
Retirement & IRA
IRA Transfer Fee	$25	Not stated	None
Other Fees
Fax	$5	Not stated	None

Correct a fee source

Nov 3, 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.

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