Compared with Oklahoma
7 of 12
compared fees are above the median.
3 below, 2 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
97th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Oklahoma median
of 12 compared; 3 below, 2 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for FNB Community Bank 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. | FNB Community Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 7.6% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (97th 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 $414K in Q2 2026, 8.9% above the same quarter a year earlier ($380K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
7 of 12 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.
Comparison with Oklahoma medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $4.50, the middle of its prices
Monthly Maintenance
Senior Opportunities Checking
Can be waived with a balance of $500 or more.
Overdraft (OD)
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 $414K. Its share of revenue, 7.6%, is above the 2.1% median for banks with $300M to $1B in assets.
$414K
FNB Community BankMedian
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. *Non-network ATM: Listed at $4 to $4.99; we compare the midpoint.
FNB Community Bank · $480M 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 |
|---|---|---|---|---|---|---|---|
| FNB Community Bank(this institution) | Midwest City, OK | $480M | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 |
| FirstBank of Nebraska | Wahoo, NE | $498M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| FSNB, National Association | Lawton, OK | $478M | Publishes Monthly maintenance | Out-of-network ATM not published | 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 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.
Peer pricing snapshot
Its published price is $15, against a peer median of $7 among 16 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 FNB Community Bank (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 | $414K | +$28K | +7.3% |
| Q1 2026 | $386K | −$17K | −4.2% |
| Q4 2025 | $403K | −$7K | −1.7% |
| Q3 2025 | $410K | +$30K | +7.9% |
| Q2 2025 | $380K | +$3K | +0.8% |
| Q1 2025 | $377K | −$14K | −3.6% |
| Q4 2024 | $391K | −$93K | −19.2% |
| Q3 2024 | $484K | +$28K | +6.1% |
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, FNB Community Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to FNB Community Bank by share.
Amounts from FNB Community Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month · Avoid the $15 monthly service fee by maintaining a daily balance of $500 or more
per month
per quarter
per month
per transaction
per item
per transaction
per item
per item
per item
per item · Purchase fee per card. Card is issued by Pathward, NA pursuant to a license from Visa Inc USA
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | Avoid the $15 monthly service fee by maintaining a daily balance of $500 or more |
| Dormant Checking Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Savings Account | $10Not compared: Quarterly charge, not monthly | per quarter | None |
| Visa Monthly Inactivity Fee | $4.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Excessive Withdrawal-Mrkt Access | $20Above the U.S. middle 50% ($3 to $10 nationally) | per transaction | None |
Overdraft & NSF | |||
| Automatic Overdraft Coverage | $10Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| ATM fees | $4.99Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Non FNB ATM Transaction | $4Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Visa Check Card Reissue Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Visa Lost/Stolen Replacement Card Fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Copies of Cancelled Checks | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Return Deposit Item | $8Below the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Safe Deposit Box | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4x10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4x5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x5 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Lost Key | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Re-Key | $25Not compared: Box drilling or key fee | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $6Above the U.S. middle 50% ($3 to $4.95 nationally) | per item | Purchase fee per card. Card is issued by Pathward, NA pursuant to a license from Visa Inc USA |
Other Fees | |||
| Copies of Statements | $5Not compared: Monthly charge, not per item | per month | None |
| Fax Fee | $5Not compared: Charged per page; comparison unavailable | per page | None |
Oct 11, 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 FNB Community Bank operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state, $430.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 7 | $430.3M |
Oklahoma City, OK
0.7% of bank deposits, #25 of 71, down 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| MidFirst Bank | 23.5% |
| BOKF, National Association | 12.3% |
| JPMorgan Chase Bank, National Association | 9.4% |
| BancFirst | 8.3% |
| Bank of America, National Association | 8.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Oklahoma City, OK, FNB Community Bank holds 0.7% of bank deposits, #25 of 71, with 7 offices.
504 offices of 95 institutions shown.
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 71 institutions shown. $60.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.7% share, 7 offices, #25 of 71
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
124 offices of 24 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 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.