FSNB, National Association

Headquarters: Lawton, Oklahoma
Charter: Bank
Assets: $478.3M
Fed district: Kansas City
Regulator: OCC
Holding company: Jrmb Ii Inc.

Explore Hamilton View published fees

Compared with Oklahoma

1 of 4

compared fees are above the median.

3 below, 0 about the same.

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
100th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Oklahoma median
of 4 compared; 3 below, 0 about the same
See the fees
Fee schedule read Oct 8, 2026

How these figures are measured

Call-report figures are for FSNB, 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 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.	FSNB, National Association's published fee schedule; Bank Fee Index medians	Current schedule	Oct 8, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: FSNB, National Association (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 charges were 59% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (100th 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 $8.2M in Q2 2026, 4.3% below the same quarter a year earlier ($8.6M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
1 of 4 compared published fees sit above the Oklahoma median; 3 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.

Fees against the market

Comparison with Oklahoma medians for fees published by banks and credit unions.

Monthly Maintenance
ACCOUNT NOW $7.95 to $11.50
Compared at $9.73, the middle of its prices. Leaves out 1 fee charged on a different basis filed under this fee.
FSNB, National Association: $7.95 to $11.50
FSNB, National Association: $7.95 to $11.50
Oklahoma median: $7.6364 publishKansas City district median: $7.50229 publishU.S. median: $71,902 publish
Overdraft (OD)
FSNB, National Association: $20
FSNB, National Association: $20
Oklahoma median: $27.5071 publishKansas City district median: $29273 publishU.S. median: $302,605 publish
NSF / Returned Item
FSNB, National Association: $20
FSNB, National Association: $20
Oklahoma median: $27.5072 publishKansas City district median: $28271 publishU.S. median: $302,856 publish

Published schedulesBanks and credit unionsRead Oct 8, 2026View sources

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.

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).
Oklahoma: Banks and credit unions headquartered in Oklahoma that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 5.5% from Q3 2025 to Q2 2026, to $8.2M. Its share of revenue, 59%, is above the 2.1% median for banks with $300M to $1B in assets.

Service-charge income, Q2 2026

$8.2M

$8.7MQ3 2025

$8.5MQ4 2025

$8.1MQ1 2026

$8.2MQ2 2026

Against the median (OK for fees)

Share of revenue59% / 2.1%
Overdraft$20 / $27.50
Monthly maintenance$9.73* / $7.63

FSNB, National AssociationMedian

Sources and open questions

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. *Monthly maintenance: Listed at $7.95 to $11.50; we compare the midpoint.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Do waivers and balance requirements change what most customers actually pay?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

FSNB, National Association · $478M 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
$459M to $495M 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
FSNB, National Association(this institution)	Lawton, OK	$478M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Arundel Federal Savings Bank	Glen Burnie, MD	$492M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Century Bank and Trust	Milledgeville, GA	$491M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank & Trust Company	Plaquemine, LA	$481M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens National Bank of Cheboygan	Cheboygan, MI	$471M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dean Co-operative Bank	Franklin, MA	$494M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Eclipse Bank, Inc.	Louisville, KY	$486M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
EvaBank	Eva, AL	$491M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank in New Bremen	New Bremen, OH	$467M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FNB Community Bank	Midwest City, OK	$480M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Fulton Savings Bank	Fulton, NY	$492M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hoyne Savings Bank	Chicago, IL	$480M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Iowa State Bank	Des Moines, IA	$481M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Local Bank	Hulbert, OK	$463M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mechanics & Farmers Bank	Durham, NC	$476M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Northview Bank	Sandstone, MN	$470M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ohio State Bank	Bexley, OH	$484M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pbt Bancorp	Hazard, KY	$473M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
River City Bank, Inc.	Louisville, KY	$495M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Seamen's Bank	Provincetown, MA	$478M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southwest Capital Bank	Albuquerque, NM	$483M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sterling Federal Bank, F.S.B.	Sterling, IL	$482M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank, National Association	McAlester, OK	$488M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bippus State Bank	Huntington, IN	$459M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Citizens Bank of Clovis	Clovis, NM	$493M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wallkill Valley Federal Savings and Loan Association	Wallkill, NY	$485M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2.72 (39%) above the median of similar-sized banks.

Compared at $9.73, the middle of its two prices, against a peer median of $7 among 16 publishing peers.

Its two checking prices are $7.95 and $11.50.

$9.73 is a comparison price, not a fee anyone is charged.

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

FSNB, National Association: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer medianInclude $50 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 26, 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 FSNB, National Association (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: $8.2M
vs prior quarter: +$56K+0.7%; from Q1 2026
vs a year earlier: −$368K−4.3%; from Q2 2025
vs start of range: −$987K−10.8%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: FSNB, National Association (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	$8.2M	+$56K	+0.7%
Q1 2026	$8.1M	−$386K	−4.5%
Q4 2025	$8.5M	−$150K	−1.7%
Q3 2025	$8.7M	+$112K	+1.3%
Q2 2025	$8.6M	+$143K	+1.7%
Q1 2025	$8.4M	−$456K	−5.1%
Q4 2024	$8.9M	−$306K	−3.3%
Q3 2024	$9.2M	+$255K	+2.9%

Service-charge share against its size cohort

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, FSNB, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

FSNB, National Association: 59%
Percentile: 100th
25th percentile: 1.2%
Median: 2.1%
75th percentile: 3.4%

FSNB, National Association 59.0%Median 2.1%Middle half 1.2% to 3.4%Peers at each share

Find a peer (1,412)

The 15 closest to FSNB, National Association by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from FSNB, National Association’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Monthly Maintenance$11.50
Above the U.S. middle 50% ($5 to $10 nationally)
per month
Monthly Maintenance$7.95
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Monthly Maintenance$6.50
Not compared: Quarterly charge, not monthly
per quarter
Minimum balance fee$6.50
Not compared: Quarterly charge, not monthly
per quarter
Itemized paper statement fee$2
Inside the U.S. middle 50% ($2 to $4.99 nationally)
per month

Overdraft & NSF

Bank’s current overdraft fee$20
Below the U.S. middle 50% ($25 to $33 nationally)
per item
NSF / Returned Item$20
Below the U.S. middle 50% ($25 to $32 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$11.50Above the U.S. middle 50% ($5 to $10 nationally)	per month	None
Monthly Maintenance	$7.95Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Monthly Maintenance	$6.50Not compared: Quarterly charge, not monthly	per quarter	None
Minimum balance fee	$6.50Not compared: Quarterly charge, not monthly	per quarter	None
Itemized paper statement fee	$2Inside the U.S. middle 50% ($2 to $4.99 nationally)	per month	None
Overdraft & NSF
Bank’s current overdraft fee	$20Below the U.S. middle 50% ($25 to $33 nationally)	per item	None
NSF / Returned Item	$20Below the U.S. middle 50% ($25 to $32 nationally)	per item	None

Correct a fee source

Oct 8, 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 FSNB, National Association operates, and what regulators and customers have on file.

Branch footprint

68 offices in 9 states, $369.7M in branch deposits (June 2026)

Hover a state for its branch count.

FewerMore branches

Largest markets by deposits

	6	$222.9M
	2	$36.9M
	5	$21.2M
	8	$17.0M
	11	$14.7M
Outside a metro area	7	$10.4M
	2	$8.4M
	2	$6.1M

Lawton, OK

9.6% of bank deposits, #5 of 12, down 0.8 points over five years.

Largest competitors here	Deposit share
Liberty National Bank	32.3%
Arvest Bank	17.7%
BancFirst	12.9%
The City National Bank and Trust Company of Lawton, Oklahoma	10.7%
All America Bank	5.4%

Fees in Lawton →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In Lawton, OK, FSNB, National Association holds 9.6% of bank deposits, #5 of 12, with 6 offices.

Compare fees with the 49 Nashville-Davidson--Murfreesboro--Franklin, TN banks and credit unions in its home-metro peer set →

The fee comparison uses its home metro, Nashville-Davidson--Murfreesboro--Franklin, TN.

Offices in the metro

40 offices of 16 institutions shown.

FSNB, National AssociationOther 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: Lawton, OK metro (FDIC metro code 30020), 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.

1Liberty National Bank32.3%
2Arvest Bank17.7%
3BancFirst12.9%
4The City National Bank and Trust Company of Lawton, Oklahoma10.7%
5FSNB, National Association9.6%
6All America Bank5.4%
7International Bank of Commerce3.9%
8Sovereign Bank3.2%

8 of 12 institutions shown. $2.3B 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: Lawton, OK metro (FDIC metro code 30020)
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: 9.6% share, 6 offices, #5 of 12

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: Lawton, OK 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

10 offices of 6 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 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

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