Fees from its schedule are under review and appear here once review is done.
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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
85th percentile; peer median 2.1%
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 30, 2026
Call-report figures are for The First National Bank of Oneida 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 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 Oneida's published fee schedule; Bank Fee Index medians | Current schedule | Oct 30, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.6% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (85th 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 $212K in Q2 2026, 1.9% above the same quarter a year earlier ($208K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for The First National Bank of Oneida (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 | $212K | −$18K | −7.8% |
| Q1 2026 | $230K | +$16K | +7.5% |
| Q4 2025 | $214K | +$3K | +1.4% |
| Q3 2025 | $211K | +$3K | +1.4% |
| Q2 2025 | $208K | +$16K | +8.3% |
| Q1 2025 | $192K | −$4K | −2.0% |
| Q4 2024 | $196K | +$4K | +2.1% |
| Q3 2024 | $192K | +$15K | +8.5% |
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 Oneida 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 Oneida by share.
They stay out of every comparison until review is done.
per item · Surcharge of $2 or more per transaction or inquiry at ATMs other than First National Bank of Oneida owned machines. No fees at ATMs owned by First National Bank of Oneida
per item · No fee if fraud is involved. $7 fee if card has been lost
per day
per item · No charge for issuance of 1st card. $7 fee for each additional card
per month · Free online banking access to view account information, view and download statements, and transfer between accounts
per month · Free service including unlimited Bill Pay
| Fee | Amount | Basis | Note |
|---|---|---|---|
Other feesUnder review | |||
| 0.10% APY on balance if requirements are not met, with no refunds for ATM fees (audience not stated, treated as personal) | Not stated | Not stated | None |
| ATM transactions fees at non-FNB ATMs (audience not stated, treated as personal) | $2 | per item | Surcharge of $2 or more per transaction or inquiry at ATMs other than First National Bank of Oneida owned machines. No fees at ATMs owned by First National Bank of Oneida |
| CHECKCARD Cancellation/reissue fee - lost card (audience not stated, treated as personal) | $7 | per item | No fee if fraud is involved. $7 fee if card has been lost |
| fee for each additional card (audience not stated, treated as personal) | $7 | Not stated | None |
| fee if card has been lost (audience not stated, treated as personal) | $7 | Not stated | None |
| First National Bank ATM card limits: Our standard daily cash withdrawal limit through the ATM system is (audience not stated, treated as personal) | $1,006 | per day | None |
| First National Bank CHECKCARD - Additional card fee (audience not stated, treated as personal) | $7 | per item | No charge for issuance of 1st card. $7 fee for each additional card |
| NetTeller Online Banking Access (audience not stated, treated as personal) | No charge | per month | Free online banking access to view account information, view and download statements, and transfer between accounts |
| NetTeller with Bill Pay (audience not stated, treated as personal) | No charge | per month | Free service including unlimited Bill Pay |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 30, 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 Oneida operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $328.0M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $299.9M |
| 1 | $28.0M |
Knoxville, TN
0.1% of bank deposits, #41 of 42, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| First Horizon Bank | 17.3% |
| Truist Bank | 14.4% |
| Pinnacle Bank | 13.4% |
| Regions Bank | 11.1% |
| Home Federal Bank of Tennessee | 7.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Knoxville, TN, The First National Bank of Oneida holds 0.1% of bank deposits, #41 of 42, with 1 office.
321 offices of 66 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 42 institutions shown. $26.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.1% share, 1 office, #41 of 42
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
112 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 OCC
The OCC has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC, 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
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows