First Bank

Headquarters: St. Louis, Missouri
Charter: Bank
Assets: $6.7B
Fed district: St. Louis
Regulator: Federal Reserve
Holding company: Fb Corp.

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

Source: its fee schedule, read Oct 10, 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 10, 2026

How these figures are measured

Call-report figures are for First Bank 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.	First Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 10, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: First Bank (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 $3.3M in Q2 2026, 1.6% above the same quarter a year earlier ($3.3M).
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 $7.50, the middle of its prices
First Bank: $3 to $25
First Bank: $3 to $25
U.S. median: no median
Overdraft (OD)
First Bank: $30
First Bank: $30
U.S. median: no median
NSF / Returned Item
First Bank: $30
First Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Missouri, 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).
Missouri: Banks and credit unions headquartered in Missouri 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 was about level from Q3 2025 to Q2 2026, at $3.3M.

Service-charge income, Q2 2026

$3.3M

$3.3MQ3 2025

$3.4MQ4 2025

$3.2MQ1 2026

$3.3MQ2 2026

Against the median

First BankMedian

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

First Bank · $6.7B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$6B to $7.3B in assets
Headquartered in 16 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 Bank(this institution)	St. Louis, MO	$6.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpine Bank	Glenwood Springs, CO	$6.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Banesco USA	Miami, FL	$6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bradesco Bank	Coral Gables, FL	$6.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cambridge Savings Bank	Cambridge, MA	$7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
CFG Bank	Lutherville, MD	$6.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Choice Financial Group	Fargo, ND	$6.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Trust Bank, Inc.	Pikeville, KY	$6.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Financial Bank, National Association	Terre Haute, IN	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First International Bank & Trust	Watford City, ND	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of America	East Lansing, MI	$6.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Five Star Bank	Warsaw, NY	$6.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intrust Bank, National Association	Wichita, KS	$6.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Johnson Bank	Racine, WI	$7.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lake City Bank	Warsaw, IN	$7.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Mercantile Bank	Grand Rapids, MI	$6.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Middlesex Savings Bank	Natick, MA	$6.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Pathward, National Association	Sioux Falls, SD	$7.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Republic Bank & Trust Company	Louisville, KY	$7.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River City Bank	Sacramento, CA	$6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Shore United Bank, National Association	Easton, MD	$6.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Camden National Bank	Camden, ME	$6.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Farmers National Bank of Canfield	Canfield, OH	$7.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Washington Trust Company, of Westerly	Westerly, RI	$6.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
TrustCo Bank	Glenville, NY	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Fidelity Bank, fsb	Evansville, IN	$6.5B	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 $1.49 (17%) below the median of similar-sized banks.

Compared at $7.50, the middle of its four prices, against a peer median of $8.99 among 16 publishing peers.

Its four checking prices are $3, $5, $10 and $25.

$7.50 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 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Bank: 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 4, 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 Bank (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: $3.3M
vs prior quarter: +$79K+2.4%; from Q1 2026
vs a year earlier: +$52K+1.6%; from Q2 2025
vs start of range: −$225K−6.4%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: First Bank (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	$3.3M	+$79K	+2.4%
Q1 2026	$3.2M	−$148K	−4.4%
Q4 2025	$3.4M	+$77K	+2.3%
Q3 2025	$3.3M	+$44K	+1.3%
Q2 2025	$3.3M	+$3K	+0.1%
Q1 2025	$3.3M	−$231K	−6.6%
Q4 2024	$3.5M	−$49K	−1.4%
Q3 2024	$3.5M	+$24K	+0.7%

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

Account Maintenance

Monthly maintenance fee$3
per month
Monthly Maintenance Fee$10
per month
Monthly Maintenance Fee$25
per month
Monthly Maintenance Fee$5
per month · no fee if the primary owner is under 25 years of age
Early Closing Fee$25
Inactivity Fee$8
per month
Paper Statement (Consumer)$3
per month
Excessive Activity Fee – Money Market$25
Not compared: Monthly charge, not per item
per month
Excessive Activity Fee – Savings$5
Not compared: Monthly charge, not per item
per month

Overdraft & NSF

Overdraft Fee$30
per item
NSF Return Item Fee$30
per item
Overdraft Transfer Fee$10
per item

ATM & Card

Non-First Bank ATM Withdrawal Fee$3
per item
Debit Card Replacement$5
per item
Expedited Card Fee$35
per item
International Transaction Service Charge (audience not stated, treated as personal)3%of the transaction
per item

Wire Transfers

Outgoing Telephone Wire Transfer with PIN (Consumer)$25
per item
Outgoing Wire Transfer (Consumer)$35
per item
Incoming Wire Transfer (Consumer)$15
per item
Outgoing International Wire Transfer (Consumer)$55
per item

Check Services

Cashier's Check$7
per item
Money Order$5
per item
Stop Payment Fee (Consumer)$35
per item
Foreign Collection Item$35
per item

Account Services

Legal Order Processing Fee (Garnishment, Levy, Lien, etc.)$100
per item
Verification of Deposit$20
per item

Gift & Prepaid Cards

Gift Card (minimum order of 25 cards)$4.95
per item

Other Fees

Photocopy$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$3	per month	None
Monthly Maintenance Fee	$10	per month	None
Monthly Maintenance Fee	$25	per month	None
Monthly Maintenance Fee	$5	per month	no fee if the primary owner is under 25 years of age
Early Closing Fee	$25	Not stated	None
Inactivity Fee	$8	per month	None
Paper Statement (Consumer)	$3	per month	None
Excessive Activity Fee – Money Market	$25Not compared: Monthly charge, not per item	per month	None
Excessive Activity Fee – Savings	$5Not compared: Monthly charge, not per item	per month	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
NSF Return Item Fee	$30	per item	None
Overdraft Transfer Fee	$10	per item	None
ATM & Card
Non-First Bank ATM Withdrawal Fee	$3	per item	None
Debit Card Replacement	$5	per item	None
Expedited Card Fee	$35	per item	None
International Transaction Service Charge (audience not stated, treated as personal)	3%of the transaction	per item	None
Wire Transfers
Outgoing Telephone Wire Transfer with PIN (Consumer)	$25	per item	None
Outgoing Wire Transfer (Consumer)	$35	per item	None
Incoming Wire Transfer (Consumer)	$15	per item	None
Outgoing International Wire Transfer (Consumer)	$55	per item	None
Check Services
Cashier's Check	$7	per item	None
Money Order	$5	per item	None
Stop Payment Fee (Consumer)	$35	per item	None
Foreign Collection Item	$35	per item	None
Account Services
Legal Order Processing Fee (Garnishment, Levy, Lien, etc.)	$100	per item	None
Verification of Deposit	$20	per item	None
Gift & Prepaid Cards
Gift Card (minimum order of 25 cards)	$4.95	per item	None
Other Fees
Photocopy	$1	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

Overdraft & NSF

NSF Return Item Fee$30
per item

Check Services

Stop Payment Fee-Manual (Business)$45
per item
Stop Payment Fee-Online (Business)$40
per item
Foreign Collection Item$35
per item

Cash & Deposit

Deposited Item Returned (Business)$17
per item
Night Deposit Service (Business)$15

Fee	Amount	Basis	Note
Overdraft & NSF
NSF Return Item Fee	$30	per item	None
Check Services
Stop Payment Fee-Manual (Business)	$45	per item	None
Stop Payment Fee-Online (Business)	$40	per item	None
Foreign Collection Item	$35	per item	None
Cash & Deposit
Deposited Item Returned (Business)	$17	per item	None
Night Deposit Service (Business)	$15	Not stated	None

Correct a fee source

Oct 10, 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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