Compared with Michigan
7 of 19
compared fees are above the median.
9 below, 3 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
1st percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Michigan median
of 19 compared; 9 below, 3 about the same
See the feesFee schedule read Oct 29, 2026
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 | 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 869 banks with $1B to $10B 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 Michigan median | Published fees above the Michigan 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
Service charges were 0.0% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (1st 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 $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.
7 of 19 compared published fees sit above the Michigan median; 9 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 Michigan medians for fees published by banks and credit unions.
Deposited Item Return
Wire Transfer (Domestic Out)
Stop Payment
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.
Service-charge income rose 56% from Q3 2025 to Q2 2026, to $14K. Its share of revenue, 0.0%, is below the 2.2% median for banks with $1B to $10B in assets.
$14K
First National Bank of AmericaMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for First National Bank of America (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 | $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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First National Bank of America left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First National Bank of America by share.
Amounts from First National Bank of America’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per hour
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per day
per item
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per item
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per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Signature Checking Minimum Balance Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Simple Checking Minimum Balance Fee | $4Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Early Account Closing (per account; within 90 days) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment of Accounts (per account) | $15Above the U.S. middle 50% ($5 to $10 nationally) | 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 | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| These fees apply to daily overdraft (OD) and non-sufficient funds (NSF) created by check | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| ATM or Debit Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited ATM or Debit Card Delivery | $30Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Outgoing Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer - Outgoing International | $25Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check (per check) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment (per request) | $28Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks (each; must be purchased in increments of four) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Collection Items (per item) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Money Order (per check) & Copies of Checks | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposited/Cashed Item (per item) | $6Below the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
| Night Depository Replacement Key | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Notary Public | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 10” x 10” (per year) | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3” x 10” (per year) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3” x 5” (per year) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 4” x 10” (per year) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5” x 10” (per year) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5” x 5” (per year) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | 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 | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Photocopies (per page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
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.
Where First National Bank of America operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $3.9B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $3.4B | |
| 1 | $306.2M | |
| 1 | $220.3M |
Lansing-East Lansing, MI
27.2% of bank deposits, #1 of 18, up 11.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| PNC Bank, National Association | 13.2% |
| Fifth Third Bank, National Association | 12.8% |
| The Dart Bank | 10.3% |
| JPMorgan Chase Bank, National Association | 6.9% |
| The Huntington National Bank | 6.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Lansing-East Lansing, MI, First National Bank of America holds 27.2% of bank deposits, #1 of 18, with 1 office.
The fee comparison uses its home metro, Grand Rapids-Wyoming-Kentwood, MI.
127 offices of 33 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.
8 of 18 institutions shown. $12.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 27.2% share, 1 office, #1 of 18
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
56 offices of 15 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 August 28, 2003
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 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.