First National Bank of America

Headquarters: East Lansing, Michigan
Charter: Bank
Assets: $6.8B
Fed district: Chicago
Regulator: OCC
Holding company: First National Bancshares Inc.

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

Source: its fee schedule, read Oct 29, 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 29, 2026

How these figures are measured

Call-report figures are for First National Bank of America 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 National Bank of America's published fee schedule; Bank Fee Index medians	Current schedule	Oct 29, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: First National Bank of America (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 $14K in Q2 2026, 17% above the same quarter a year earlier ($12K).
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.

Wire Transfer (Domestic Out)
First National Bank of America: $20
First National Bank of America: $20
U.S. median: no median
Stop Payment
First National Bank of America: $28
First National Bank of America: $28
U.S. median: no median
Wire Transfer (Int'l Out)
First National Bank of America: $25
First National Bank of America: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 29, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago 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).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 rose 56% from Q3 2025 to Q2 2026, to $14K.

Service-charge income, Q2 2026

$14K

$9KQ3 2025

$15KQ4 2025

$10KQ1 2026

$14KQ2 2026

Against the median

First National Bank of AmericaMedian

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 National Bank of America · $6.8B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$6.1B to $7.5B in assets
Headquartered in 17 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 America(this institution)	East Lansing, MI	$6.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
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
Cambridge Savings Bank	Cambridge, MA	$7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Pacific Bank	Honolulu, HI	$7.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	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 Bank	St. Louis, MO	$6.7B	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
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
Needham Bank	Needham, MA	$7.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
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
TBK BANK, SSB	Dallas, TX	$7.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	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 · 19 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

First National Bank of America does not publish a monthly maintenance fee in the index.

The peer median is $9.50 among 19 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.

Monthly maintenance fee in dollars, one mark per institution

First National Bank of America does not publish a monthly maintenance fee, so it is not on this chart.

First National Bank of Am…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 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 America (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: $14K
vs prior quarter: +$4K+40.0%; from Q1 2026
vs a year earlier: +$2K+16.7%; from Q2 2025
vs start of range: $00.0%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: First National Bank of America (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	$14K	+$4K	+40.0%
Q1 2026	$10K	−$5K	−33.3%
Q4 2025	$15K	+$6K	+66.7%
Q3 2025	$9K	−$3K	−25.0%
Q2 2025	$12K	−$2K	−14.3%
Q1 2025	$14K	$0	0.0%
Q4 2024	$14K	$0	0.0%
Q3 2024	$14K	$0	0.0%

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

Account Maintenance

Signature Checking Minimum Balance Fee$10
Simple Checking Minimum Balance Fee$4
Early Account Closing (per account; within 90 days)$20
Escheatment of Accounts (per account)$15
Account Research (per hour; $10 Minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Balancing Checkbook (per hour; $10 minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Health Savings Account Monthly Paper Statement Fee$2
per month

Overdraft & NSF

These fees apply to daily overdraft (OD) and non-sufficient funds (NSF) created by check$5
per day

ATM & Card

ATM or Debit Card Replacement Fee$5
Expedited ATM or Debit Card Delivery$30

Wire Transfers

Wire Transfer - Outgoing Domestic$20
Wire Transfer - Outgoing International$25

Check Services

Cashier’s Check (per check)$3
per item
Stop Payment (per request)$28
per item
Counter Checks (each; must be purchased in increments of four)$1
per item
Collection Items (per item)$25
per item
Money Order (per check) & Copies of Checks$2
per item

Cash & Deposit

Returned Deposited/Cashed Item (per item)$6
per item
Night Depository Replacement Key$15

Account Services

Notary PublicNo charge
10” x 10” (per year)$100
per year
3” x 10” (per year)$40
per year
3” x 5” (per year)$25
per year
4” x 10” (per year)$50
per year
5” x 10” (per year)$60
per year
5” x 5” (per year)$30
per year
Drill Box & Key Replacement (both keys lost; subject to change without notice)$180
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement (if one key lost)$15
Not compared: Box drilling or key fee
Safe Deposit Box Late Payment Fee (if 30 days past due)$10
Not compared: Box drilling or key fee
Garnishment$75
Levy$75

Other Fees

Photocopies (per page)$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Signature Checking Minimum Balance Fee	$10	Not stated	None
Simple Checking Minimum Balance Fee	$4	Not stated	None
Early Account Closing (per account; within 90 days)	$20	Not stated	None
Escheatment of Accounts (per account)	$15	Not stated	None
Account Research (per hour; $10 Minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Balancing Checkbook (per hour; $10 minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Health Savings Account Monthly Paper Statement Fee	$2	per month	None
Overdraft & NSF
These fees apply to daily overdraft (OD) and non-sufficient funds (NSF) created by check	$5	per day	None
ATM & Card
ATM or Debit Card Replacement Fee	$5	Not stated	None
Expedited ATM or Debit Card Delivery	$30	Not stated	None
Wire Transfers
Wire Transfer - Outgoing Domestic	$20	Not stated	None
Wire Transfer - Outgoing International	$25	Not stated	None
Check Services
Cashier’s Check (per check)	$3	per item	None
Stop Payment (per request)	$28	per item	None
Counter Checks (each; must be purchased in increments of four)	$1	per item	None
Collection Items (per item)	$25	per item	None
Money Order (per check) & Copies of Checks	$2	per item	None
Cash & Deposit
Returned Deposited/Cashed Item (per item)	$6	per item	None
Night Depository Replacement Key	$15	Not stated	None
Account Services
Notary Public	No charge	Not stated	None
10” x 10” (per year)	$100	per year	None
3” x 10” (per year)	$40	per year	None
3” x 5” (per year)	$25	per year	None
4” x 10” (per year)	$50	per year	None
5” x 10” (per year)	$60	per year	None
5” x 5” (per year)	$30	per year	None
Drill Box & Key Replacement (both keys lost; subject to change without notice)	$180Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement (if one key lost)	$15Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Late Payment Fee (if 30 days past due)	$10Not compared: Box drilling or key fee	Not stated	None
Garnishment	$75	Not stated	None
Levy	$75	Not stated	None
Other Fees
Photocopies (per page)	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 29, 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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