Compared with Oklahoma
6 of 26
compared fees are above the median.
12 below, 8 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
81st percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Oklahoma median
of 26 compared; 12 below, 8 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for First National Bank & Trust Company of McAlester 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 Oklahoma median | Published fees above the Oklahoma median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First National Bank & Trust Company of McAlester's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.0% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (81st 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 $257K in Q2 2026, 8.0% above the same quarter a year earlier ($238K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 26 compared published fees sit above the Oklahoma median; 12 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 Oklahoma medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City 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 $257K. Its share of revenue, 4.0%, is above the 2.1% median for banks with $300M to $1B in assets.
$257K
First National Bank & Trust Company of McAlesterMedian
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 National Bank & Trust Company of McAlester · $580M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First National Bank & Trust Company of McAlester(this institution) | McAlester, OK | $580M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Holly Springs | Holly Springs, MS | $588M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Baraboo State Bank | Baraboo, WI | $570M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bay State Savings Bank | Worcester, MA | $580M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Century Bank | Lucedale, MS | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens' Bank & Trust Co. | Van Buren, AR | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cottonport Bank | Cottonport, LA | $582M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Crest Savings Bank | Wildwood, NJ | $594M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cross Bank | Wynne, AR | $593M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Farmers Bank of Northern Missouri | Unionville, MO | $567M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings and Loan Association of Lorain | Lorain, OH | $574M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Seacoast Bank | Dover, NH | $576M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First United Bank and Trust Company | Madisonville, KY | $591M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FNBC Bank & Trust | La Grange, IL | $582M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hyperion Bank | Philadelphia, PA | $570M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| International Bank of Commerce | Zapata, TX | $568M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lee Bank | Lee, MA | $591M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lumbee Guaranty Bank | Pembroke, NC | $583M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Peoples National Bank of Kewanee | Kewanee, IL | $588M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PremierBank | Fort Atkinson, WI | $584M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PyraMax Bank, FSB | Greenfield, WI | $589M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Redwood Capital Bank | Eureka, CA | $566M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SouthTrust Bank, N.A. | George West, TX | $579M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Bank of Union | Union, MO | $578M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Washington Savings Bank | Effingham, IL | $585M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| WNB FINANCIAL, N.A. | Winona, MN | $584M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $7 among 12 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 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for First National Bank & Trust Company of McAlester (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 | $257K | +$19K | +8.0% |
| Q1 2026 | $238K | −$13K | −5.2% |
| Q4 2025 | $251K | −$5K | −2.0% |
| Q3 2025 | $256K | +$18K | +7.6% |
| Q2 2025 | $238K | $0 | 0.0% |
| Q1 2025 | $238K | −$13K | −5.2% |
| Q4 2024 | $251K | +$5K | +2.0% |
| Q3 2024 | $246K | +$28K | +12.8% |
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 National Bank & Trust Company of McAlester left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First National Bank & Trust Company of McAlester by share.
Amounts from First National Bank & Trust Company of McAlester’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| E-Checking Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly minimum balance fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure Fee - if account is closed within 90 days of opening | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Transaction Fee - First High Yield Money Market | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per transaction | None |
| Excessive Transaction Fee - First Savings & Traditional Savings | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per transaction | None |
| Return Mail Processing Fee/Bad or Inaccurate address. | $25Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Paid NSF item: Checking | $23Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Return NSF Item Charge | $23Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Automatic Transfer Fee - Overdraft Protection Bill Paying - 1st Pay and 1st Pay Blue | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Transaction Fee or Balance Inquiry (ATM - not owned by FNB) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM/Debit Card Replacement, all card types | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfers: Outgoing (Domestic) | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfers: Incoming (Domestic) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfers: Outgoing (Foreign) | $55Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Wire Transfers: Incoming (Foreign) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashier's Checks - Customer | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders - Customer | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Pay Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks, if no checks ordered | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay - Free when 3 or more bills are paid per month | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Bill Pay - Less than 3 bills paid per month | $5.95Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Deposited Items Returned Unpaid: Charge Back Fee - ALL ACCOUNTS | $3Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Night Depository Agreement - One time set up fee | $25Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Account Services | |||
| Drilling Fee | $185Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 13x21 | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 15x10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 | $12Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x5 | $17Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 7x10 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment, Levies and other forms of legal process affecting your account | $25Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Gift Card - Customer | $3.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Copy of Account Statement | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 17, 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 National Bank & Trust Company of McAlester operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $504.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 6 | $504.2M |
Largest competitors nearby
Local market: Pittsburg, Latimer and Le Flore counties, OK, where it holds the most deposits.
| 12 in its local market | Deposit share |
|---|---|
| The Community State Bank | 16.4% |
| The Bank, National Association | 16% |
| The First National Bank of Fort Smith | 13.1% |
| Arvest Bank | 10.1% |
| BancFirst | 7.7% |
This bank holds 22.7% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
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.