The First National Bank of Mount Dora

Headquarters: Mount Dora, Florida
Charter: Bank
Assets: $358.0M
Fed district: Atlanta
Regulator: OCC
Holding company: Fnbmd Bancshares Inc.

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

Source: its fee schedule, read Oct 31, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 31, 2026

How these figures are measured

Call-report figures are for The First National Bank of Mount Dora 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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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.	The First National Bank of Mount Dora's published fee schedule; Bank Fee Index medians	Current schedule	Oct 31, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: The First National Bank of Mount Dora (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $30K in Q2 2026, 44% below the same quarter a year earlier ($54K).
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 $18.50, the middle of its prices
The First National Bank of Mount Dora: $5 to $32
The First National Bank of Mount Dora: $5 to $32
U.S. median: no median
Overdraft (OD)
The First National Bank of Mount Dora: $35
The First National Bank of Mount Dora: $35
U.S. median: no median
NSF / Returned Item
The First National Bank of Mount Dora: $35
The First National Bank of Mount Dora: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta 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).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 21% from Q3 2025 to Q2 2026, to $30K.

Service-charge income, Q2 2026

$30K

$38KQ3 2025

$45KQ4 2025

$31KQ1 2026

$30KQ2 2026

Against the median

The First National Bank of Mount DoraMedian

Sources and open questions

FDIC 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

The First National Bank of Mount Dora · $358M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$347M to $367M in assets
Headquartered in 19 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
The First National Bank of Mount Dora(this institution)	Mount Dora, FL	$358M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
AmeriFirst Bank	Montgomery, AL	$364M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Citizens National Bank of Albion	Albion, IL	$349M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Commercial Bank & Trust Company	Monticello, AR	$364M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Bank	Lexington, TN	$358M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Bank of Raymore	Raymore, MO	$347M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cowboy Bank	Kremlin, OK	$350M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Desjardins Bank, National Association	Hallandale, FL	$362M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Farmers & Merchants Bank	Miamisburg, OH	$359M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank in Port Lavaca	Port Lavaca, TX	$361M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
First Shore Federal Savings and Loan Association	Salisbury, MD	$367M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Frontier Bank	Sioux Falls, SD	$349M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Glenwood State Bank	Glenwood, IA	$353M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Great Southern Bank	Meridian, MS	$355M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Harvest Bank	Kimball, MN	$355M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heritage Bank National Association	Spicer, MN	$361M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Iowa State Bank and Trust Company of Fairfield, Iowa	Fairfield, IA	$352M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Ireland Bank	Malad City, ID	$355M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Logan Bank & Trust Company	Logan, WV	$359M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Native American Bank, National Association	Denver, CO	$362M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
OSB Community Bank	Ottawa, IL	$356M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Premier Bank	Dubuque, IA	$358M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
ProGrowth Bank	Nicollet, MN	$365M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rabun County Bank	Clayton, GA	$362M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Street Bank and Trust Company	Quincy, IL	$357M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Gordon	Gordon, NE	$358M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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 $9.52 (106%) above the median of similar-sized banks.

Compared at $18.50, the middle of its two prices, against a peer median of $8.98 among 16 publishing peers.

Its two checking prices are $5 and $32.

$18.50 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 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

The First National Bank o…: 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 1, 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 The First National Bank of Mount Dora (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: $30K
vs prior quarter: −$1K−3.2%; from Q1 2026
vs a year earlier: −$24K−44.4%; from Q2 2025
vs start of range: −$14K−31.8%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: The First National Bank of Mount Dora (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$30K	−$1K	−3.2%
Q1 2026	$31K	−$14K	−31.1%
Q4 2025	$45K	+$7K	+18.4%
Q3 2025	$38K	−$16K	−29.6%
Q2 2025	$54K	+$14K	+35.0%
Q1 2025	$40K	$0	0.0%
Q4 2024	$40K	−$4K	−9.1%
Q3 2024	$44K	−$38K	−46.3%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from The First National Bank of Mount Dora’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$5
per month
Monthly fee$32
per month
Account Closed Within Six Months of Opening$25
Dormant Account$15
per month
Account Balancing Assistance$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$5
per month

Overdraft & NSF

Overdraft Fee also called Overdraft Item Charge$35
per item
Insufficient Funds Charge$35
per item
Daily Overdraft Fee also called Continuous Overdraft Charge: Consumer Accounts$5
per day
Overdraft Protection Transfers also called Auto Transfer FeeNo charge

ATM & Card

Lost/Stolen/Replacement VISA ATM/Check Card$15
per item
Expedited Card$55
per item

Wire Transfers

Wire Transfers: Domestic - outgoing$25
Wire Transfers: Domestic - incoming$10
Wire Transfers: Foreign - outgoing$45
Wire Transfers: Foreign - incoming$15

Check Services

Cashier's Check$10
per item
Stop Payments$30
per item

Account Services

10 x 10 box annually$100
per year
3 x 10 box annually$55
per year
3 x 5 box annually$35
per year
4 x 5 box annually$40
per year
5 x 10 box annually$75
per year
5 x 5 box annually$45
per year
Drill Box if both keys are lost/stolen$350
Not compared: Box drilling or key fee
Garnishments / Levies$200
Legal Document Review$25

Other Fees

Photocopy$2.50
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$5	per month	None
Monthly fee	$32	per month	None
Account Closed Within Six Months of Opening	$25	Not stated	None
Dormant Account	$15	per month	None
Account Balancing Assistance	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$5	per month	None
Overdraft & NSF
Overdraft Fee also called Overdraft Item Charge	$35	per item	None
Insufficient Funds Charge	$35	per item	None
Daily Overdraft Fee also called Continuous Overdraft Charge: Consumer Accounts	$5	per day	None
Overdraft Protection Transfers also called Auto Transfer Fee	No charge	Not stated	None
ATM & Card
Lost/Stolen/Replacement VISA ATM/Check Card	$15	per item	None
Expedited Card	$55	per item	None
Wire Transfers
Wire Transfers: Domestic - outgoing	$25	Not stated	None
Wire Transfers: Domestic - incoming	$10	Not stated	None
Wire Transfers: Foreign - outgoing	$45	Not stated	None
Wire Transfers: Foreign - incoming	$15	Not stated	None
Check Services
Cashier's Check	$10	per item	None
Stop Payments	$30	per item	None
Account Services
10 x 10 box annually	$100	per year	None
3 x 10 box annually	$55	per year	None
3 x 5 box annually	$35	per year	None
4 x 5 box annually	$40	per year	None
5 x 10 box annually	$75	per year	None
5 x 5 box annually	$45	per year	None
Drill Box if both keys are lost/stolen	$350Not compared: Box drilling or key fee	Not stated	None
Garnishments / Levies	$200	Not stated	None
Legal Document Review	$25	Not stated	None
Other Fees
Photocopy	$2.50Not compared: Charged per page; comparison unavailable	per page	None

Check Services

Corporate Investment Banking (CIB) with Monthly Account Statements containing check images$5
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Check Services
Corporate Investment Banking (CIB) with Monthly Account Statements containing check images	$5Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Oct 31, 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.

Fee change alerts

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