First Montana Bank, Inc.

Headquarters: Missoula, Montana
Charter: Bank
Assets: $530.3M
Fed district: Minneapolis
Regulator: Federal Reserve
Holding company: First National Bancorp Inc.

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

Source: its fee schedule, read Oct 6, 2026.

Overview

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
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 6, 2026

How these figures are measured

Call-report figures are for First Montana Bank, Inc. 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) 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.	First Montana Bank, Inc.'s published fee schedule; Bank Fee Index medians	Current schedule	Oct 6, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First Montana Bank, Inc. (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $169K in Q2 2026, 9.1% below the same quarter a year earlier ($186K).
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.

Monthly Maintenance
First Montana Bank, Inc.: $6
First Montana Bank, Inc.: $6
U.S. median: no median
Overdraft (OD)
First Montana Bank, Inc.: $33
First Montana Bank, Inc.: $33
U.S. median: no median
NSF / Returned Item
First Montana Bank, Inc.: $33
First Montana Bank, Inc.: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Montana, the Minneapolis 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).
Montana: Banks and credit unions headquartered in Montana that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 13% from Q3 2025 to Q2 2026, to $169K.

Service-charge income, Q2 2026

$169K

$195KQ3 2025

$184KQ4 2025

$172KQ1 2026

$169KQ2 2026

Against the median

First Montana Bank, Inc.Median

Sources and open questions

FFIEC 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

First Montana Bank, Inc. · $530M 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.

Banks only
$512M to $548M in assets
Headquartered in 16 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
First Montana Bank, Inc.(this institution)	Missoula, MT	$530M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Dudley	Dudley, GA	$538M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of the Flint Hills	Wamego, KS	$545M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Belgrade State Bank	Belgrade, MO	$548M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Citizens Community Bank	Mascoutah, IL	$531M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank Mankato	Vernon Center, MN	$538M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Coulee Bank	La Crosse, WI	$524M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cross County Savings Bank	Middle Village, NY	$525M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Enterprise Bank	Allison Park, PA	$525M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Enterprise Bank of South Carolina	Ehrhardt, SC	$535M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fidelity Bank	West Memphis, AR	$547M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Fifth District Savings Bank	New Orleans, LA	$532M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Citizens State Bank	Whitewater, WI	$525M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Nations Bank	Chicago, IL	$537M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Robinson Savings Bank, National Association	Robinson, IL	$512M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First State Bank	Wrens, GA	$513M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First State Bank and Trust	Tonganoxie, KS	$515M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lake Elmo Bank	Lake Elmo, MN	$530M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Milford Federal Bank	Milford, MA	$545M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Shoreham Bank	Warwick, RI	$535M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Silver Lake Bank	Topeka, KS	$548M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southern Bank of Tennessee	Mount Juliet, TN	$533M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Berkshire Bank	New York, NY	$530M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Cooperative Bank	Roslindale, MA	$548M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Murray Bank	Murray, KY	$534M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Savings Bank	Circleville, OH	$520M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published

✓ 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.

Fee type

Peer pricing snapshot

Monthly maintenance is $3 (33%) below the median of similar-sized banks.

Its published price is $6, against a peer median of $9 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 Oct 23, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Montana Bank, Inc.Peer (equal prices stack)Peer medianInclude $35 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 23, 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 First Montana Bank, Inc. (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: $169K
vs prior quarter: −$3K−1.7%; from Q1 2026
vs a year earlier: −$17K−9.1%; from Q2 2025
vs start of range: −$29K−14.6%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Montana Bank, Inc. (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$169K	−$3K	−1.7%
Q1 2026	$172K	−$12K	−6.5%
Q4 2025	$184K	−$11K	−5.6%
Q3 2025	$195K	+$9K	+4.8%
Q2 2025	$186K	−$6K	−3.1%
Q1 2025	$192K	+$5K	+2.7%
Q4 2024	$187K	−$11K	−5.6%
Q3 2024	$198K	−$9K	−4.3%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from First Montana Bank, Inc.’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance fee$6
per month
Low Balance Fee$5
per month
Low Balance Fee (Money Market Savings)$10
per month
Early Account Closure (within 90 days)$15
Dormant Account$5
per month
Account Reconciliation (1hr minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (1hr minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement (free with some account types)$2
per month

Overdraft & NSF

Overdraft Fee$33
per item
Returned Item Fee (your item returned unpaid)$33
per item

ATM & Card

ATM Withdrawal Fee$2
Replacement of Lost Debit Card$10
per item

Wire Transfers

Domestic Wire Reprocessing$10
per item
Outgoing Domestic Wire$25
per item
Incoming Domestic Wire$10
per item
Outgoing Foreign Wire$50
per item
Incoming Foreign Wire$40
per item

Check Services

Cashier's Check$5
per item
Money Order$3
per item
Stop Payment$33
per item
Counter Check$0.50
per item
Non-Customer Check Cashing (audience not stated, treated as personal)1%
Collection Items$33
per item
Check Copies$1
Not compared: Charged per page; comparison unavailable
per page

Digital & Electronic

Online Bill Pay/Online External TransfersNo charge
Online/Digital Banking/Mobile DepositNo charge

Cash & Deposit

Returned Deposit Item (domestic)$5
per item
Returned Deposit Item (foreign)$25
per item

Account Services

Safe Deposit Box 10 x 10$75
per year
Safe Deposit Box 3 x 10$40
per year
Safe Deposit Box 3 x 5$20
per year
Safe Deposit Box 4 x 10$45
per year
Safe Deposit Box 4 x 5$30
per year
Safe Deposit Box 5 x 10$50
per year
Safe Deposit Box 5 x 5$30
per year
Safe Deposit Box Late Fee$10
Not compared: Box drilling or key fee
Garnishment/Levy$50
per item

Retirement & IRA

IRA/HSA Transfer Out/Rollover$25

Gift & Prepaid Cards

Visa Gift Card$3
per item

Other Fees

Interim Statement$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$6	per month	None
Low Balance Fee	$5	per month	None
Low Balance Fee (Money Market Savings)	$10	per month	None
Early Account Closure (within 90 days)	$15	Not stated	None
Dormant Account	$5	per month	None
Account Reconciliation (1hr minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (1hr minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement (free with some account types)	$2	per month	None
Overdraft & NSF
Overdraft Fee	$33	per item	None
Returned Item Fee (your item returned unpaid)	$33	per item	None
ATM & Card
ATM Withdrawal Fee	$2	Not stated	None
Replacement of Lost Debit Card	$10	per item	None
Wire Transfers
Domestic Wire Reprocessing	$10	per item	None
Outgoing Domestic Wire	$25	per item	None
Incoming Domestic Wire	$10	per item	None
Outgoing Foreign Wire	$50	per item	None
Incoming Foreign Wire	$40	per item	None
Check Services
Cashier's Check	$5	per item	None
Money Order	$3	per item	None
Stop Payment	$33	per item	None
Counter Check	$0.50	per item	None
Non-Customer Check Cashing (audience not stated, treated as personal)	1%	Not stated	None
Collection Items	$33	per item	None
Check Copies	$1Not compared: Charged per page; comparison unavailable	per page	None
Digital & Electronic
Online Bill Pay/Online External Transfers	No charge	Not stated	None
Online/Digital Banking/Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Returned Deposit Item (domestic)	$5	per item	None
Returned Deposit Item (foreign)	$25	per item	None
Account Services
Safe Deposit Box 10 x 10	$75	per year	None
Safe Deposit Box 3 x 10	$40	per year	None
Safe Deposit Box 3 x 5	$20	per year	None
Safe Deposit Box 4 x 10	$45	per year	None
Safe Deposit Box 4 x 5	$30	per year	None
Safe Deposit Box 5 x 10	$50	per year	None
Safe Deposit Box 5 x 5	$30	per year	None
Safe Deposit Box Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy	$50	per item	None
Retirement & IRA
IRA/HSA Transfer Out/Rollover	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3	per item	None
Other Fees
Interim Statement	$2	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

Correct a fee source

Oct 6, 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 First Montana Bank, Inc. operates, and what regulators and customers have on file.

Market position

In Missoula, MT, First Montana Bank, Inc. holds 1.5% of bank deposits, #10 of 11, with 2 offices.

Compare fees with the 13 Missoula, MT banks and credit unions in its home-metro peer set →

Offices in the metro

47 offices of 18 institutions shown.

First Montana Bank, Inc.Other 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: Missoula, MT metro (FDIC metro code 33540), 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: 2 offices have no coordinates on file

Share of bank deposits

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

1Glacier Bank22.1%
2First Interstate Bank20.5%
3Stockman Bank of Montana12.8%
4TrailWest Bank12.5%
5Wells Fargo Bank, National Association9.5%
6U.S. Bank National Association9.1%
7Bank of Montana6.9%
8Farmers State Bank1.8%
10First Montana Bank, Inc.1.5%

9 of 11 institutions shown. $4.0B 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: Missoula, MT metro (FDIC metro code 33540)
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: 1.5% share, 2 offices, #10 of 11

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: Missoula, MT 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

15 offices of 7 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 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

Get an email when First Montana Bank, Inc.'s early account closure changes in our data

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