Compared with North Carolina
15 of 18
compared fees are above the median.
3 below, 0 about the same.
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
58th percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the North Carolina median
of 18 compared; 3 below, 0 about the same
See the feesFee schedule read Apr 4, 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 95 banks with $10B to $50B 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 North Carolina median | Published fees above the North Carolina 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
Service charges were 3.2% of revenue, above the 2.9% median of 95 banks with $10B to $50B in assets (58th 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 $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.
15 of 18 compared published fees sit above the North Carolina 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 North Carolina medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
Wire Transfer (Domestic Out)
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.
Service-charge income was about level from Q3 2025 to Q2 2026, at $4.2M. Its share of revenue, 3.2%, is above the 2.9% median for banks with $10B to $50B in assets.
$4.2M
First BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 95 banks with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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 2, 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.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 | $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% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 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 item
per item
per item
per item · Free
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account (per month) | $6.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Paper Statements or eStatements | No chargeBelow the U.S. middle 50% ($2 to $4.99 nationally) | per item | Free |
| Return Mail (per occurrence) | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Fee (OD) | $36Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| Non-First Bank ATM Usage | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replace Debit Card (first 2 cards free) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Instant Issue (print to the branch) | $30Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Instant Issue (ship to branch) | $50Inside the U.S. middle 50% ($30 to $50 nationally) | 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) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Fee (domestic) | $18Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Check (customer) | $6Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payments (and Renewals) | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks (per page) | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing | $10Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $10Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Debit Card: Notary Service | $5Inside the U.S. middle 50% ($0 to $5 nationally) | 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 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 | $95Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Legal Processing (Garnishments/Levies) | $125Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Retirement & IRA | |||
| IRA Transfer (outgoing) | $50Above the U.S. middle 50% ($25 to $35 nationally) | per item | None |
| IRA Transfer Fee (outgoing) | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards – instant issue | $4.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | 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
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.
Where First Bank operates, and what regulators and customers have on file.
Branch footprint
114 offices in 2 states, $11.1B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 39 | $3.4B |
| 11 | $1.1B | |
| 11 | $1.1B | |
| 10 | $1.0B | |
| 9 | $932.1M | |
| 5 | $689.6M | |
| 9 | $551.0M | |
| 4 | $390.0M |
Pinehurst-Southern Pines, NC
38.5% of bank deposits, #1 of 11.
| Largest competitors here | Deposit share |
|---|---|
| Truist Bank | 21.9% |
| Wells Fargo Bank, National Association | 9% |
| First-Citizens Bank & Trust Company | 8.2% |
| Bank of America, National Association | 4.9% |
| The Fidelity Bank | 4.7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Pinehurst-Southern Pines, NC, First Bank holds 38.5% of bank deposits, #1 of 11, with 11 offices.
The fee comparison uses its home metro, Asheville, NC.
29 offices of 13 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.
8 of 11 institutions shown. $2.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2023 to 2026
June 2026: 38.5% share, 11 offices, #1 of 11
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2023 to 2026.
Credit unions, reported separately
3 offices of 2 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.