The First National Bank of Carmi

Headquarters: Carmi, Illinois
Charter: Bank
Assets: $622.2M
Fed district: St. Louis

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

Source: its fee schedule, read Oct 31, 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 Oct 31, 2026

How these figures are measured

Call-report figures are for The First National Bank of Carmi 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.	The First National Bank of Carmi's published fee schedule; Bank Fee Index medians	Current schedule	Oct 31, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: The First National Bank of Carmi (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 $112K in Q2 2026, 5.9% below the same quarter a year earlier ($119K).
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)
The First National Bank of Carmi: $32.75
The First National Bank of Carmi: $32.75
U.S. median: no median
NSF / Returned Item
The First National Bank of Carmi: $32.75
The First National Bank of Carmi: $32.75
U.S. median: no median
Non-Network ATM
The First National Bank of Carmi: $1
The First National Bank of Carmi: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, the St. Louis 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).
Illinois: Banks and credit unions headquartered in Illinois that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 fell 18% from Q3 2025 to Q2 2026, to $112K.

Service-charge income, Q2 2026

$112K

$136KQ3 2025

$134KQ4 2025

$119KQ1 2026

$112KQ2 2026

Against the median

The First National Bank of CarmiMedian

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

The First National Bank of Carmi · $622M 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
$609M to $637M 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
The First National Bank of Carmi(this institution)	Carmi, IL	$622M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
All America Bank	Oklahoma City, OK	$611M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Andrew Johnson Bank	Greeneville, TN	$612M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
AVB Bank	Broken Arrow, OK	$612M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Century Savings Bank	Vineland, NJ	$635M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Claremont Savings Bank	Claremont, NH	$620M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community First Bank	Boscobel, WI	$634M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Savings Bank	Edgewood, IA	$614M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Crossroads Bank	Wabash, IN	$616M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
DeMotte State Bank	Demotte, IN	$622M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Empire State Bank	Staten Island, NY	$618M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Bank Kansas	Salina, KS	$619M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First National Bank of Louisiana	Crowley, LA	$631M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Port City Bank	Bainbridge, GA	$624M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
FNBT BANK	Fort Walton Beach, FL	$629M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Frontier State Bank	Oklahoma City, OK	$609M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Haverhill Bank	Haverhill, MA	$637M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Heritage Bank	Wood River, NE	$612M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Legends Bank	Linn, MO	$636M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
NBT Financial Bank	Fort Worth, TX	$619M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
NewBank	Flushing, NY	$618M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Peoples Exchange Bank	Winchester, KY	$610M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Phelps County Bank	Rolla, MO	$622M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Quaint Oak Bank	Southampton, PA	$631M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Southeastern Bank	Darien, GA	$625M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tioga State Bank National Association	Spencer, NY	$625M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

The First National Bank of Carmi does not publish a monthly maintenance fee in the index.

The peer median is $7.25 among 14 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

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

The First National Bank o…Peer (equal prices stack)Peer median

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.

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 The First National Bank of Carmi (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: $112K
vs prior quarter: −$7K−5.9%; from Q1 2026
vs a year earlier: −$7K−5.9%; from Q2 2025
vs start of range: −$75K−40.1%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: The First National Bank of Carmi (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	$112K	−$7K	−5.9%
Q1 2026	$119K	−$15K	−11.2%
Q4 2025	$134K	−$2K	−1.5%
Q3 2025	$136K	+$17K	+14.3%
Q2 2025	$119K	−$13K	−9.8%
Q1 2025	$132K	+$21K	+18.9%
Q4 2024	$111K	−$76K	−40.6%
Q3 2024	$187K	+$65K	+53.3%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The First National Bank of Carmi’s own schedules, with a source for each figure.

Account Maintenance

Early account closure (within 90 days of opening)$15
Dormant account - checking account - per month$5
per month
Dormant account - savings account - per quarter (excludes Student Savings and Christmas Club)$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Bounce Protection overdraft item(s) fee$32.75
Overdraft fee$32.75
per item
Return item for NSF fee - per item, per presentment$32.75
per item
Sweep transfer fee$7.50
Sweep Transfer fee per occurrence$7.50
per item

ATM & Card

Withdrawal at non-Money Pass ATM$1
Debit Card replacement fee$5

Wire Transfers

Cash Management wire fee - outgoing domestic$30
Wire fee - outgoing domestic$30
Wire fee - incoming domestic$10
Wire fee - outgoing international$70
Wire fee - incoming international$32.75

Check Services

Cashier's Check - per check$6
per item
Stop payment fee - per item$25
per item
Collection item$10

Digital & Electronic

Same day ACH file fee - per transmitted item credit or debit$2
Bill Pay fee after 60 days of inactivity - per month$5.95
Expedited Online Bill Pay payment - next day$19.95
Expedited Online Bill Pay payment - second day$14.95
Expedited Online Bill Pay payment - second day, electronic delivery$4.95

Account Services

Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour · Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum) | $30.00

Other Fees

Photocopy fee - per page$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Early account closure (within 90 days of opening)	$15	Not stated	None
Dormant account - checking account - per month	$5	per month	None
Dormant account - savings account - per quarter (excludes Student Savings and Christmas Club)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Bounce Protection overdraft item(s) fee	$32.75	Not stated	None
Overdraft fee	$32.75	per item	None
Return item for NSF fee - per item, per presentment	$32.75	per item	None
Sweep transfer fee	$7.50	Not stated	None
Sweep Transfer fee per occurrence	$7.50	per item	None
ATM & Card
Withdrawal at non-Money Pass ATM	$1	Not stated	None
Debit Card replacement fee	$5	Not stated	None
Wire Transfers
Cash Management wire fee - outgoing domestic	$30	Not stated	None
Wire fee - outgoing domestic	$30	Not stated	None
Wire fee - incoming domestic	$10	Not stated	None
Wire fee - outgoing international	$70	Not stated	None
Wire fee - incoming international	$32.75	Not stated	None
Check Services
Cashier's Check - per check	$6	per item	None
Stop payment fee - per item	$25	per item	None
Collection item	$10	Not stated	None
Digital & Electronic
Same day ACH file fee - per transmitted item credit or debit	$2	Not stated	None
Bill Pay fee after 60 days of inactivity - per month	$5.95	Not stated	None
Expedited Online Bill Pay payment - next day	$19.95	Not stated	None
Expedited Online Bill Pay payment - second day	$14.95	Not stated	None
Expedited Online Bill Pay payment - second day, electronic delivery	$4.95	Not stated	None
Account Services
Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum) \| $30.00
Other Fees
Photocopy fee - per page	$0.25	per item	None

Account Maintenance

Early account closure (within 90 days of opening)$15
Dormant account - checking account - per month$5
per month
Dormant account - savings account - per quarter (excludes Student Savings and Christmas Club)$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Bounce Protection overdraft item(s) fee$32.75
Overdraft fee$32.75
per item
Return item for NSF fee - per item, per presentment$32.75
per item
Sweep transfer fee$7.50

ATM & Card

Withdrawal at non-Money Pass ATM$1
Debit Card replacement fee$5

Wire Transfers

Cash Management wire fee - outgoing domestic$30
Wire fee - outgoing domestic$30
Wire fee - incoming domestic$10
Wire fee - outgoing international$70
Wire fee - incoming international$32.75

Check Services

Cashier's Check - per check$6
per item
Stop payment fee - per item$25
per item
Collection item$10

Digital & Electronic

Same day ACH file fee - per transmitted item credit or debit$2
Bill Pay fee after 60 days of inactivity - per month$5.95
Expedited Online Bill Pay payment - next day$19.95
Expedited Online Bill Pay payment - second day$14.95
Expedited Online Bill Pay payment - second day, electronic delivery$4.95
Online Bill Pay for business accounts after 20 paid items - per month, per item$0.40
Not compared: Per-item charge, not monthly
per item

Account Services

Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour · Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum) | $30.00

Other Fees

Photocopy fee - per page$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Early account closure (within 90 days of opening)	$15	Not stated	None
Dormant account - checking account - per month	$5	per month	None
Dormant account - savings account - per quarter (excludes Student Savings and Christmas Club)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Bounce Protection overdraft item(s) fee	$32.75	Not stated	None
Overdraft fee	$32.75	per item	None
Return item for NSF fee - per item, per presentment	$32.75	per item	None
Sweep transfer fee	$7.50	Not stated	None
ATM & Card
Withdrawal at non-Money Pass ATM	$1	Not stated	None
Debit Card replacement fee	$5	Not stated	None
Wire Transfers
Cash Management wire fee - outgoing domestic	$30	Not stated	None
Wire fee - outgoing domestic	$30	Not stated	None
Wire fee - incoming domestic	$10	Not stated	None
Wire fee - outgoing international	$70	Not stated	None
Wire fee - incoming international	$32.75	Not stated	None
Check Services
Cashier's Check - per check	$6	per item	None
Stop payment fee - per item	$25	per item	None
Collection item	$10	Not stated	None
Digital & Electronic
Same day ACH file fee - per transmitted item credit or debit	$2	Not stated	None
Bill Pay fee after 60 days of inactivity - per month	$5.95	Not stated	None
Expedited Online Bill Pay payment - next day	$19.95	Not stated	None
Expedited Online Bill Pay payment - second day	$14.95	Not stated	None
Expedited Online Bill Pay payment - second day, electronic delivery	$4.95	Not stated	None
Online Bill Pay for business accounts after 20 paid items - per month, per item	$0.40Not compared: Per-item charge, not monthly	per item	None
Account Services
Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum) \| $30.00
Other Fees
Photocopy fee - per page	$0.25	per item	None

Correct a fee source

Oct 31, 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.

Branches and public record

Where The First National Bank of Carmi operates, and what regulators and customers have on file.

Market position

In Evansville, IN, The First National Bank of Carmi holds 1.3% of bank deposits, #8 of 15, with 4 offices.

Compare fees with the 15 Evansville, IN banks and credit unions in its home-metro peer set →

Offices in the metro

110 offices of 23 institutions shown.

The First National Bank of CarmiOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Evansville, IN metro (FDIC metro code 21780), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 5 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Old National Bank44.8%
2United Fidelity Bank, fsb27.9%
3Fifth Third Bank, National Association12.2%
4German American Bank4.7%
5First Federal Savings Bank2.9%
6Banterra Bank2.1%
7Peoples Trust and Savings Bank1.4%
8The First National Bank of Carmi1.3%

8 of 15 institutions shown. $13.6B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Evansville, IN metro (FDIC metro code 21780)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 1.3% share, 4 offices, #8 of 15

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Evansville, IN metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

45 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.

Fee change alerts

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