First Bank

Headquarters: Southern Pines, North Carolina
Charter: Bank
Assets: $13.0B
Fed district: Richmond
Regulator: Federal Reserve
Holding company: First Bancorp

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

Source: its fee schedule, read Apr 4, 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 Apr 4, 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	Apr 4, 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 $4.2M in Q2 2026, 5.8% above the same quarter a year earlier ($4.0M).
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.

Overdraft (OD)
First Bank: $36
First Bank: $36
U.S. median: no median
Non-Network ATM
First Bank: $2.50
First Bank: $2.50
U.S. median: no median
Wire Transfer (Domestic Out)
First Bank: $25
First Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Apr 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond 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).
North Carolina: Banks and credit unions headquartered in North Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 was about level from Q3 2025 to Q2 2026, at $4.2M.

Service-charge income, Q2 2026

$4.2M

$4.2MQ3 2025

$4.3MQ4 2025

$4.0MQ1 2026

$4.2MQ2 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 · $13B 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
$10.3B to $15.4B 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 Bank(this institution)	Southern Pines, NC	$13B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Amarillo National Bank	Amarillo, TX	$10.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Amerant Bank, National Association	Coral Gables, FL	$10.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
BancFirst	Oklahoma City, OK	$12.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Bank of America California, National Association	San Francisco, CA	$14.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Beal Bank USA	Las Vegas, NV	$11B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bell Bank	Fargo, ND	$15.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Burke & Herbert Bank & Trust Company	Alexandria, VA	$11B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Centier Bank	Whiting, IN	$10.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Columbia Bank	Fair Lawn, NJ	$12.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
ConnectOne Bank	Englewood Cliffs, NJ	$14.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Dime Community Bank	Hauppauge, NY	$15B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Dollar Bank, Federal Savings Bank	Pittsburgh, PA	$12.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers and Merchants Bank of Long Beach	Long Beach, CA	$11.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Commonwealth Bank	Indiana, PA	$12.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Financial Bank	Abilene, TX	$15.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Israel Discount Bank of New York	New York, NY	$14.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
NBH Bank	Greenwood Village, CO	$12.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nicolet National Bank	Green Bay, WI	$15.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Oriental Bank	San Juan, PR	$12B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PlainsCapital Bank	University Park, TX	$12.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Popular Bank	New York, NY	$15B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Stifel Bank	Saint Louis, MO	$14.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Stock Yards Bank & Trust Company	Louisville, KY	$10.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Park National Bank	Newark, OH	$12.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Washington Trust Bank	Spokane, WA	$10.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First Bank does not publish a monthly maintenance fee in the index.

The peer median is $8.50 among 15 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 Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Bank does not publish a monthly maintenance fee, so it is not on this chart.

First BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 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: $4.2M
vs prior quarter: +$251K+6.3%; from Q1 2026
vs a year earlier: +$229K+5.8%; from Q2 2025
vs start of range: −$115K−2.7%; 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	$4.2M	+$251K	+6.3%
Q1 2026	$4.0M	−$315K	−7.4%
Q4 2025	$4.3M	+$44K	+1.0%
Q3 2025	$4.2M	+$249K	+6.3%
Q2 2025	$4.0M	+$209K	+5.5%
Q1 2025	$3.8M	−$526K	−12.3%
Q4 2024	$4.3M	−$27K	−0.6%
Q3 2024	$4.3M	+$181K	+4.4%

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

Dormant Account (per month)$6.50
per month
Paper Statements or eStatementsNo charge
per item · Free
Return Mail (per occurrence)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Fee (OD)$36

ATM & Card

Non-First Bank ATM Usage$2.50
Replace Debit Card (first 2 cards free)$5
Instant Issue (print to the branch)$30
per item
Instant Issue (ship to branch)$50
per item
Debit Card Foreign Transaction Fee (audience not stated, treated as personal)3%of the transaction

Wire Transfers

Outgoing Wire Fee (domestic)$25
Incoming Wire Fee (domestic)$18

Check Services

Official Check (customer)$6
Stop Payments (and Renewals)$35
Counter Checks (per page)$0.50
per item
Check Cashing$10

Digital & Electronic

Online Bill PaymentNo charge
Not compared: Per-occurrence charge, not monthly
per item · Free

Cash & Deposit

Credit Line Cash Advance Fee$10

Account Services

Debit Card: Notary Service$5
Drilling$170
Not compared: Box drilling or key fee
Replacement Key$85
Not compared: Box drilling or key fee
Safe Deposit Box 3 x 10$70
Safe Deposit Box 5 x 10$95
Safe Deposit Box 5 x 5$55
Legal Processing (Garnishments/Levies)$125
per item

Retirement & IRA

IRA Transfer (outgoing)$50
per item
IRA Transfer Fee (outgoing)$50

Gift & Prepaid Cards

Gift Cards – instant issue$4.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (per month)	$6.50	per month	None
Paper Statements or eStatements	No charge	per item	Free
Return Mail (per occurrence)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Fee (OD)	$36	Not stated	None
ATM & Card
Non-First Bank ATM Usage	$2.50	Not stated	None
Replace Debit Card (first 2 cards free)	$5	Not stated	None
Instant Issue (print to the branch)	$30	per item	None
Instant Issue (ship to branch)	$50	per item	None
Debit Card Foreign Transaction Fee (audience not stated, treated as personal)	3%of the transaction	Not stated	None
Wire Transfers
Outgoing Wire Fee (domestic)	$25	Not stated	None
Incoming Wire Fee (domestic)	$18	Not stated	None
Check Services
Official Check (customer)	$6	Not stated	None
Stop Payments (and Renewals)	$35	Not stated	None
Counter Checks (per page)	$0.50	per item	None
Check Cashing	$10	Not stated	None
Digital & Electronic
Online Bill Payment	No chargeNot compared: Per-occurrence charge, not monthly	per item	Free
Cash & Deposit
Credit Line Cash Advance Fee	$10	Not stated	None
Account Services
Debit Card: Notary Service	$5	Not stated	None
Drilling	$170Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$85Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 3 x 10	$70	Not stated	None
Safe Deposit Box 5 x 10	$95	Not stated	None
Safe Deposit Box 5 x 5	$55	Not stated	None
Legal Processing (Garnishments/Levies)	$125	per item	None
Retirement & IRA
IRA Transfer (outgoing)	$50	per item	None
IRA Transfer Fee (outgoing)	$50	Not stated	None
Gift & Prepaid Cards
Gift Cards – instant issue	$4.50	per item	None

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

Correct a fee source

Apr 4, 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

Get an email when First Bank's monthly maintenance changes in our data

We check once a day and send one email covering every change.