Four fees from its schedule are published so far: monthly maintenance $6 to $30, overdraft $35, daily OD & NSF fee cap $175 and 1 more.
Source: its fee schedule, read Oct 8, 2026.
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
73rd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 8, 2026
Call-report figures are for b1BANK 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 869 banks with $1B to $10B 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 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. | b1BANK'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
Service charges were 3.4% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (73rd 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 $3.1M in Q2 2026, 22% above the same quarter a year earlier ($2.6M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 2 compared published fees sit above the Louisiana median; 0 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 Louisiana medians for fees published by banks and credit unions.
Monthly Maintenance
Access Checking $6 · Aspire Checking $30
Compared at $18, the middle of its prices
Overdraft (OD)
Daily OD & NSF Fee Cap
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Call reports for b1BANK (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 | $3.1M | +$65K | +2.1% |
| Q1 2026 | $3.1M | +$501K | +19.5% |
| Q4 2025 | $2.6M | +$88K | +3.5% |
| Q3 2025 | $2.5M | −$78K | −3.0% |
| Q2 2025 | $2.6M | −$234K | −8.4% |
| Q1 2025 | $2.8M | −$3K | −0.1% |
| Q4 2024 | $2.8M | +$160K | +6.1% |
| Q3 2024 | $2.6M | +$186K | +7.6% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, b1BANK left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to b1BANK by share.
Amounts from b1BANK’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $30Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Item fee (Courtesy Coverage) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Daily Cap (maximum combined fees, consumer accounts) | $175Above the U.S. middle 50% ($100 to $163.75 nationally) | per day | None |
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.
Where b1BANK operates, and what regulators and customers have on file.
Branch footprint
61 offices in 2 states, $7.3B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 9 | $1.9B | |
| Outside a metro area | 9 | $985.2M |
| 9 | $777.5M | |
| 8 | $690.0M | |
| 5 | $610.6M | |
| 6 | $573.2M | |
| 5 | $529.8M | |
| 5 | $466.4M |
Baton Rouge, LA
7.2% of bank deposits, #4 of 40, up 3.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 31.7% |
| Hancock Whitney Bank | 14.4% |
| Capital One, National Association | 10.8% |
| Regions Bank | 6.9% |
| First Horizon Bank | 5.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Baton Rouge, LA, b1BANK holds 7.2% of bank deposits, #4 of 40, with 9 offices.
279 offices of 68 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.
8 of 40 institutions shown. $26.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 7.2% share, 9 offices, #4 of 40
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
90 offices of 31 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.
Holding company
Business First Bancshares, Inc. (Nasdaq: BFST)
Consolidated assets
$8.9B
Shareholders' equity
$1.0B
As of
2026Q2
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 1624322. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows