Compared with Florida
8 of 19
compared fees are above the median.
4 below, 7 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
8th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Florida median
of 19 compared; 4 below, 7 about the same
See the feesFee schedule read Oct 31, 2026
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 | 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 Florida median | Published fees above the Florida 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
Service charges were 0.6% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (8th 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 $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.
8 of 19 compared published fees sit above the Florida median; 4 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 Florida medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $18.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income fell 21% from Q3 2025 to Q2 2026, to $30K. Its share of revenue, 0.6%, is below the 2.1% median for banks with $300M to $1B in assets.
$30K
The First National Bank of Mount DoraMedian
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 $5 to $32; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for The First National Bank of Mount Dora (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 | $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% |
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, The First National Bank of Mount Dora left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The First National Bank of Mount Dora by share.
Amounts from The First National Bank of Mount Dora’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per month
per item
per item
per day
per year
per year
per year
per year
per year
per year
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $32Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closed Within Six Months of Opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Fee also called Overdraft Item Charge | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds Charge | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Daily Overdraft Fee also called Continuous Overdraft Charge: Consumer Accounts | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Overdraft Protection Transfers also called Auto Transfer Fee | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Lost/Stolen/Replacement VISA ATM/Check Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Expedited Card | $55Above the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfers: Domestic - outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Domestic - incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: Foreign - outgoing | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers: Foreign - incoming | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payments | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Account Services | |||
| 10 x 10 box annually | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3 x 10 box annually | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3 x 5 box annually | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 4 x 5 box annually | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5 x 10 box annually | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5 x 5 box annually | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Drill Box if both keys are lost/stolen | $350Not compared: Box drilling or key fee | Not stated | None |
| Garnishments / Levies | $200Above the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Legal Document Review | $25Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Photocopy | $2.50Not compared: Charged per page; comparison unavailable | per page | None |
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 |
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.
Where The First National Bank of Mount Dora operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $317.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $317.6M |
Orlando-Kissimmee-Sanford, FL
0.5% of bank deposits, #22 of 49, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| Truist Bank | 19.1% |
| Bank of America, National Association | 17.7% |
| JPMorgan Chase Bank, National Association | 14.3% |
| Wells Fargo Bank, National Association | 13.6% |
| Regions Bank | 4.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Orlando-Kissimmee-Sanford, FL, The First National Bank of Mount Dora holds 0.5% of bank deposits, #22 of 49, with 3 offices.
586 offices of 72 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 49 institutions shown. $68.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.5% share, 3 offices, #22 of 49
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
137 offices of 26 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
1 past action
Past
OCC. Ended December 18, 2013
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
We check once a day and send one email covering every change.