Compared with Tennessee
8 of 12
compared fees are above the median.
3 below, 1 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
41st percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Tennessee median
of 12 compared; 3 below, 1 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for First Freedom 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 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. | First Freedom Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.8% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (41st 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 $148K in Q2 2026, 3.5% above the same quarter a year earlier ($143K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 12 compared published fees sit above the Tennessee median; 3 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.
NSF / Returned Item
Overdraft (OD)
Stop Payment
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 fell 3.3% from Q3 2025 to Q2 2026, to $148K. Its share of revenue, 1.8%, is below the 2.1% median for banks with $300M to $1B in assets.
$148K
First Freedom 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.
First Freedom Bank · $818M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Freedom Bank(this institution) | Lebanon, TN | $818M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| 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 Century Bank | Tazewell, TN | $810M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Bank of Middlebury | Middlebury, IN | $836M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Utah Bank | Salt Lake City, UT | $840M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hana Bank USA, National Association | Fort Lee, NJ | $835M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hebron Savings Bank | Hebron, MD | $839M | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 |
| Northeast Bank | Minneapolis, MN | $837M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| 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 |
| 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 · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.12 among 16 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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
First Freedom Bank 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for First Freedom 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 | $148K | −$2K | −1.3% |
| Q1 2026 | $150K | +$2K | +1.4% |
| Q4 2025 | $148K | −$5K | −3.3% |
| Q3 2025 | $153K | +$10K | +7.0% |
| Q2 2025 | $143K | −$4K | −2.7% |
| Q1 2025 | $147K | −$14K | −8.7% |
| Q4 2024 | $161K | −$10K | −5.8% |
| Q3 2024 | $171K | +$13K | +8.2% |
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 Freedom 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 Freedom Bank by share.
Amounts from First Freedom Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per month
per item
per item
per day
per item
per transaction
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Closing Fee | $15Not compared: Monthly charge, not per item | per month | None |
| Account Balancing Assistance | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly Paper Statement Fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft (OD) OD Fee | $39Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds (NSF) NSF Fee | $39Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| 1 st Continuous Overdraft Charge/Recurring Overdraft Charge | $7.50Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Daily continuous overdraft fee (audience not stated, treated as personal) | $7.50Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Overdraft Line of Credit Transfer Fee (ODP Primary (CR) Fee) | $7Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Sweep transfer fee | $7Above the U.S. middle 50% ($2 to $5 nationally) | per transaction | None |
ATM & Card | |||
| Replace ATM/Debit Card | $10Not compared: Annual charge, not per item | per year | None |
Check Services | |||
| Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment – All Items | $39Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Item (incoming & outgoing) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Checks Returned Unpaid | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box 3x10 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishments | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levies | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Photocopy | $0.25Below the U.S. middle 50% ($2 to $5 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
Oct 17, 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 Freedom Bank operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $710.0M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $464.9M | |
| Outside a metro area | 3 | $245.2M |
Nashville-Davidson--Murfreesboro--Franklin, TN
0.4% of bank deposits, #29 of 62, up 0.1 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, First Freedom Bank holds 0.4% of bank deposits, #29 of 62, with 3 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, 2010 to 2026
June 2026: 0.4% share, 3 offices, #29 of 62
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
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 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.