Compared with Texas
2 of 13
compared fees are above the median.
9 below, 2 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
69th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Texas median
of 13 compared; 9 below, 2 about the same
See the feesFee schedule read Oct 12, 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 Texas median | Published fees above the Texas 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 | Oct 12, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.0% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (69th 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 $336K in Q2 2026, 29% above the same quarter a year earlier ($260K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 13 compared published fees sit above the Texas median; 9 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 Texas medians for fees published by banks and credit unions.
Non-Network ATM
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 6.1% from Q3 2025 to Q2 2026, to $336K. Its share of revenue, 3.0%, is above the 2.1% median for banks with $300M to $1B in assets.
$336K
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.
First Bank · $704M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Bank(this institution) | Burkburnett, TX | $704M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Albany Bank and Trust Company National Association | Chicago, IL | $722M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Artisans' Bank | Wilmington, DE | $718M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| BankOrion | Orion, IL | $688M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital Bank | Jacinto City, TX | $690M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens National Bank | Cameron, TX | $692M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eagle Bank | Everett, MA | $709M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Community Bank of Central Alabama | Wetumpka, AL | $694M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings Bank | Rochester, IN | $687M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First State Bank of Livingston | Livingston, TX | $689M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| FirstBank | Antlers, OK | $684M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Florida Capital Bank, National Association | Jacksonville, FL | $713M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Geddes Federal Savings and Loan Association | Syracuse, NY | $686M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hickory Point Bank and Trust | Decatur, IL | $718M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Legacy Bank | Hinton, OK | $686M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Pilgrim Bank | Pittsburg, TX | $715M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pioneer Trust Bank, National Association | Salem, OR | $713M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Prospect Bank | Paris, IL | $716M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Putnam County Bank | Hurricane, WV | $704M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Citizens National Bank of Somerset | Somerset, KY | $701M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Eastern Colorado Bank | Cheyenne Wells, CO | $721M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Sonora | Sonora, TX | $722M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Time Bank | Park Ridge, IL | $713M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Union Bank | Mena, AR | $710M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Union State Bank | Arkansas City, KS | $719M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Yampa Valley Bank | Steamboat Springs, CO | $688M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 17 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 | $336K | −$8K | −2.3% |
| Q1 2026 | $344K | +$14K | +4.2% |
| Q4 2025 | $330K | −$28K | −7.8% |
| Q3 2025 | $358K | +$98K | +37.7% |
| Q2 2025 | $260K | −$42K | −13.9% |
| Q1 2025 | $302K | −$18K | −5.6% |
| Q4 2024 | $320K | −$11K | −3.3% |
| Q3 2024 | $331K | +$10K | +3.1% |
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 item
per page
per month
per item · Requires box to be drilled, new locks installed & new keys issued
per page
per page
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| New account closed within 90 days (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account research (audience not stated, treated as personal) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
ATM & Card | |||
| ☒ fee for each withdrawal not done at a First Bank ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM foreign transactions | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replace Debit card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire transfer (outgoing Domestic) – customer (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfer (incoming Domestic)– customer (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire transfer (outgoing International) -- customer (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire transfer (incoming International) -- customer (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money order (customer) | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment - all items (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks - printed 4 temporary checks per page | $1Not compared: Charged per page; comparison unavailable | per page | None |
Digital & Electronic | |||
| Online Bank Bill Payment (per month Consumer) | $5.95Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Deposited checks returned unpaid (audience not stated, treated as personal) | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box - replace 2 lost keys (requires box to be drilled, new locks installed & new keys issued) (audience not stated, treated as personal) | $135Not compared: Box drilling or key fee | per item | Requires box to be drilled, new locks installed & new keys issued |
| Safe Deposit Box - replace one lost key (audience not stated, treated as personal) | $35Not compared: Box drilling or key fee | Not stated | None |
Other Fees | |||
| Copy of statement (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| FAX local (audience not stated, treated as personal) | $2Not compared: Charged per page; comparison unavailable | per page | None |
| FAX long distance (audience not stated, treated as personal) | $5Not compared: Charged per page; comparison unavailable | per page | None |
| Photocopies (audience not stated, treated as personal) | $0.25Below the U.S. middle 50% ($2 to $5 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
vs. the U.S. middle 50%:BelowInsideAbove
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
ATM & Card | |||
| ATM foreign transactions | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replace Debit card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashier's check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money order (customer) | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Temporary Checks - printed 4 temporary checks per page | $1Not compared: Charged per page; comparison unavailable | per page | None |
Digital & Electronic | |||
| Online Bank Bill Payment (per month Commercial) | $10 | per month | None |
Oct 12, 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, $603.4M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 5 | $506.1M | |
| 2 | $97.4M |
Wichita Falls, TX
11.9% of bank deposits, #3 of 14, down 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| American National Bank & Trust | 41.3% |
| Investar Bank, National Association | 13% |
| Wells Fargo Bank, National Association | 8.9% |
| JPMorgan Chase Bank, National Association | 7.7% |
| Prosperity Bank | 7.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Wichita Falls, TX, First Bank holds 11.9% of bank deposits, #3 of 14, with 5 offices.
54 offices of 22 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 14 institutions shown. $4.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 11.9% share, 5 offices, #3 of 14
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
17 offices of 8 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 and Texas Department of Banking
The Federal Reserve and Texas Department of Banking have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve and Texas Department of Banking, read November 4, 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.