Compared with Florida
4 of 13
compared fees are above the median.
6 below, 3 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
55th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Florida median
of 13 compared; 6 below, 3 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Florida Capital Bank, National Association 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 Florida median | Published fees above the Florida median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Florida Capital Bank, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.3% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (55th 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 $195K in Q2 2026, 6.7% below the same quarter a year earlier ($209K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 13 compared published fees sit above the Florida median; 6 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 Florida medians for fees published by banks and credit unions.
NSF / Returned Item
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 18% from Q3 2025 to Q2 2026, to $195K. Its share of revenue, 2.3%, is above the 2.1% median for banks with $300M to $1B in assets.
$195K
Florida Capital Bank, National AssociationMedian
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.
Florida Capital Bank, National Association · $713M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Florida Capital Bank, National Association(this institution) | Jacksonville, FL | $713M | Monthly maintenance not published | Out-of-network ATM not published | 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 |
| Bank of Luxemburg | Luxemburg, WI | $723M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chippewa Valley Bank | Hayward, WI | $736M | Publishes Monthly maintenance | 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 |
| Countybank | Greenwood, SC | $733M | 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 Bank | Burkburnett, TX | $704M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 Midwest Bank of the Ozarks | Poplar Bluff, MO | $733M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | 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 |
| HomeBank | Palmyra, MO | $733M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Northwestern Bank | Chippewa Falls, WI | $726M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples Community Bank | Greenville, MO | $735M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| The Malvern National Bank | Malvern, AR | $728M | Publishes Monthly maintenance | Out-of-network ATM not published | 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 |
✓ publishes the fee. – not published.
25 peers selected · 19 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 19 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 24, 2026.
Monthly maintenance fee in dollars, one mark per institution
Florida Capital Bank, National Association 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 24, 2026. Total assets from FDIC and NCUA records.
Call reports for Florida Capital Bank, National Association (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 | $195K | +$19K | +10.8% |
| Q1 2026 | $176K | +$111K | +170.8% |
| Q4 2025 | $65K | −$100K | −60.6% |
| Q3 2025 | $165K | −$44K | −21.1% |
| Q2 2025 | $209K | +$27K | +14.8% |
| Q1 2025 | $182K | −$17K | −8.5% |
| Q4 2024 | $199K | $0 | 0.0% |
| Q3 2024 | $199K | +$22K | +12.4% |
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, Florida Capital Bank, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Florida Capital Bank, National Association by share.
Amounts from Florida Capital Bank, National Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per transaction
per day
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF)/Insufficient Funds | $40Above the U.S. middle 50% ($25 to $32 nationally) | per transaction | None |
| Continuous overdraft service charge (daily) | $7Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Overdraft transfer service charge | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing wire – Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing wire – International | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming wire – Domestic and International | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s checks | $6Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Non-customer check cashing or exchange for cashier check | $20Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Request | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposited Item | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Garnishments/Levies/Other legal | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Photocopies | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Research photocopies | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Special interim statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 5, 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 Florida Capital Bank, National Association operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $639.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 2 | $464.3M | |
| 1 | $122.1M | |
| 1 | $35.5M | |
| 1 | $18.0M |
Jacksonville, FL
0.4% of bank deposits, #14 of 36, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank of America, National Association | 52.4% |
| EverBank, National Association | 24.6% |
| Wells Fargo Bank, National Association | 5.2% |
| Truist Bank | 5.1% |
| Ameris Bank | 2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Jacksonville, FL, Florida Capital Bank, National Association holds 0.4% of bank deposits, #14 of 36, with 2 offices.
388 offices of 57 institutions shown.
Showing 388 of 389 offices: the largest institutions' offices, with banks and credit unions in proportion.
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 36 institutions shown. $120.9B 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, 2 offices, #14 of 36
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
142 offices of 22 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
3 past actions
Past
OCC. Ended January 26, 2022
Asset Quality; Board / Management Oversight; Capital; Concentration Risk Management; Credit/Collateral Exceptions; Enterprise Governance / Internal Controls / General Risk Management; Lending Issues; Liquidity; Loan Review; Other Lending Deficiencies; Problem Loan Identification; Sensitivity to Market Risk; Strategic Planning
OCC. Ended March 8, 2016
OCC. Ended February 16, 2017
Source: public enforcement action lists from the OCC and 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.