First National Bank of Clarksdale

Headquarters: Clarksdale, Mississippi
Charter: Bank
Assets: $386.1M
Fed district: St. Louis
Regulator: OCC
Holding company: First Valley National Corp.

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

Source: its fee schedule, read Oct 20, 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 20, 2026

How these figures are measured

Call-report figures are for First National Bank of Clarksdale 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 National Bank of Clarksdale's published fee schedule; Bank Fee Index medians	Current schedule	Oct 20, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First National Bank of Clarksdale (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 $170K in Q2 2026, 0.6% below the same quarter a year earlier ($171K).
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
Compared at $6.50, the middle of its prices
First National Bank of Clarksdale: $5 to $12
First National Bank of Clarksdale: $5 to $12
U.S. median: no median
Overdraft (OD)
First National Bank of Clarksdale: $35
First National Bank of Clarksdale: $35
U.S. median: no median
NSF / Returned Item
First National Bank of Clarksdale: $35
First National Bank of Clarksdale: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Mississippi, the St. Louis 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).
Mississippi: Banks and credit unions headquartered in Mississippi that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 12% from Q3 2025 to Q2 2026, to $170K.

Service-charge income, Q2 2026

$170K

$194KQ3 2025

$191KQ4 2025

$185KQ1 2026

$170KQ2 2026

Against the median

First National Bank of ClarksdaleMedian

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 National Bank of Clarksdale · $386M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$378M to $394M in assets
Headquartered in 18 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 National Bank of Clarksdale(this institution)	Clarksdale, MS	$386M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
5Star Bank	Colorado Springs, CO	$378M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
American Community Bank of Indiana	Saint John, IN	$383M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Balboa Thrift and Loan Association	Chula Vista, CA	$394M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
BankGloucester	Gloucester, MA	$387M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Central Bank	Tampa, FL	$387M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Earlham Savings Bank	West Des Moines, IA	$383M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
ESB Financial	Emporia, KS	$381M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Farmers State Bank	Center, TX	$391M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Bank	Lynnville, IA	$384M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Great Plains State Bank	Petersburg, NE	$392M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Merchants & Planters' Bank	Newport, AR	$379M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Municipal Trust and Savings Bank	Bourbonnais, IL	$382M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Valley Bank & Trust	Springfield, MA	$385M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Pinnacle Bank	Jasper, AL	$385M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
RockPointBank, National Association	Chattanooga, TN	$384M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sandhills State Bank	North Platte, NE	$383M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Community State Bank	Poteau, OK	$393M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Fahey Banking Company	Marion, OH	$385M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First Citizens National Bank of Upper Sandusky	Upper Sandusky, OH	$390M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Harbor Bank of Maryland	Baltimore, MD	$383M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
THE HOME LOAN SAVINGS BANK	Coshocton, OH	$387M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Peoples Community Bank	Mazomanie, WI	$389M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
TrustTexas Bank, SSB	Cuero, TX	$393M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
United Roosevelt Savings Bank	Carteret, NJ	$381M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Universal Bank	West Covina, CA	$388M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $1.95 (23%) below the median of similar-sized banks.

Compared at $6.50, the middle of its six prices, against a peer median of $8.45 among 14 publishing peers.

Its six checking prices are $5, $5, $6, $7, $10 and $12.

$6.50 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

First National Bank of Cl…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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 Nov 2, 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 National Bank of Clarksdale (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: $170K
vs prior quarter: −$15K−8.1%; from Q1 2026
vs a year earlier: −$1K−0.6%; from Q2 2025
vs start of range: −$11K−6.1%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First National Bank of Clarksdale (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	$170K	−$15K	−8.1%
Q1 2026	$185K	−$6K	−3.1%
Q4 2025	$191K	−$3K	−1.5%
Q3 2025	$194K	+$23K	+13.5%
Q2 2025	$171K	−$18K	−9.5%
Q1 2025	$189K	−$6K	−3.1%
Q4 2024	$195K	+$14K	+7.7%
Q3 2024	$181K	+$18K	+11.0%

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 National Bank of Clarksdale’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee (audience not stated, treated as personal)$10
per month
Monthly service charge (First Checking Account) (audience not stated, treated as personal)$5
per month
Service charge fee$5
Service charge fee$7
Service charge fee$6
Service charge fee$12
per month
Service charge fee (balance falls below $300.00)$8
per month
Account closed within six months of opening$10
Account research$50
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft each overdraft paid$35
per item
Non-sufficient funds$35
per item
Nonsufficient funds$35
per item

ATM & Card

ATM cash withdrawal at ATMs we do not own or operate$1

Wire Transfers

Wire Transfers outgoing$15
Wire Transfers outgoing$25
Wire Transfers incoming$15

Check Services

Money orders$3
Stop payments$35
per item
Temporary checks$2

Account Services

Safe deposit box drilled$250
Not compared: Box drilling or key fee
Safe deposit box key replacement (1 key)$150
Not compared: Box drilling or key fee

Other Fees

Photocopies$1.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee (audience not stated, treated as personal)	$10	per month	None
Monthly service charge (First Checking Account) (audience not stated, treated as personal)	$5	per month	None
Service charge fee	$5	Not stated	None
Service charge fee	$7	Not stated	None
Service charge fee	$6	Not stated	None
Service charge fee	$12	per month	None
Service charge fee (balance falls below $300.00)	$8	per month	None
Account closed within six months of opening	$10	Not stated	None
Account research	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft each overdraft paid	$35	per item	None
Non-sufficient funds	$35	per item	None
Nonsufficient funds	$35	per item	None
ATM & Card
ATM cash withdrawal at ATMs we do not own or operate	$1	Not stated	None
Wire Transfers
Wire Transfers outgoing	$15	Not stated	None
Wire Transfers outgoing	$25	Not stated	None
Wire Transfers incoming	$15	Not stated	None
Check Services
Money orders	$3	Not stated	None
Stop payments	$35	per item	None
Temporary checks	$2	Not stated	None
Account Services
Safe deposit box drilled	$250Not compared: Box drilling or key fee	Not stated	None
Safe deposit box key replacement (1 key)	$150Not compared: Box drilling or key fee	Not stated	None
Other Fees
Photocopies	$1.50	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 20, 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 National Bank of Clarksdale operates, and what regulators and customers have on file.

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 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 National Bank of Clarksdale's early account closure changes in our data

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