Compared with Arkansas
8 of 15
compared fees are above the median.
3 below, 4 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
89th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Arkansas median
of 15 compared; 3 below, 4 about the same
See the feesFee schedule read Oct 20, 2026
Call-report figures are for First National Bank Of Commerce 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 1,681 banks with under $300M 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 Arkansas median | Published fees above the Arkansas 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 Commerce's published fee schedule; Bank Fee Index medians | Current schedule | Oct 20, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 5.2% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (89th 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 $171K in Q2 2026, 13% above the same quarter a year earlier ($152K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 15 compared published fees sit above the Arkansas median; 3 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 Arkansas medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $5, the middle of its prices
Overdraft (OD)
Compared at $37.50, its standard fee, the highest of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Arkansas, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 3.0% from Q3 2025 to Q2 2026, to $171K. Its share of revenue, 5.2%, is above the 2.1% median for banks with under $300M in assets.
$171K
First National Bank Of CommerceMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $0 to $37.50; we compare the highest. Monthly maintenance: Listed at $0 to $10; we compare the midpoint.
First National Bank Of Commerce · $297M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First National Bank Of Commerce(this institution) | Walnut Ridge, AR | $297M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 22nd State Banking Company | Mobile, AL | $292M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Crockett | Bells, TN | $299M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Franklin | Meadville, MS | $302M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Caldwell Bank & Trust Company | Columbia, LA | $299M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Castle Rock Bank | Castle Rock, MN | $294M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Guaranty Bank | Richmond, KY | $304M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens State Bank of Roseau | Roseau, MN | $291M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Collins State Bank | Collins, WI | $301M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community Bank and Trust Company | Muscatine, IA | $303M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| DLP Bank | Starke, FL | $301M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings and Loan Association | Newark, OH | $294M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Grant County Bank | Ulysses, KS | $298M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Leighton State Bank | Pella, IA | $298M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| McClain Bank | Purcell, OK | $294M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| RNB STATE BANK | Rawlins, WY | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security First Bank of North Dakota | New Salem, ND | $293M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SJN Bank of Kansas | Saint John, KS | $303M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Johns Bank and Trust Company | Saint Louis, MO | $297M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Bank | Waterloo, IL | $296M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Savings Bank | West Des Moines, IA | $292M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank of Forest | Forest, MS | $296M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First National Bank of Milaca | Milaca, MN | $293M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Springdale, AR | $296M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United State Bank | Lewistown, MO | $290M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Washington Savings Bank | Lowell, MA | $302M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ 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 $5, the middle of its three prices, against a peer median of $7.50 among 16 publishing peers.
Its three checking prices are $0, $5 and $10.
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 2, 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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for First National Bank Of Commerce (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 | $171K | +$13K | +8.2% |
| Q1 2026 | $158K | −$3K | −1.9% |
| Q4 2025 | $161K | −$5K | −3.0% |
| Q3 2025 | $166K | +$14K | +9.2% |
| Q2 2025 | $152K | −$1K | −0.7% |
| Q1 2025 | $153K | $0 | 0.0% |
| Q4 2024 | $153K | −$2K | −1.3% |
| Q3 2024 | $155K | −$3K | −1.9% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, First National Bank Of Commerce 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 Commerce by share.
Amounts from First National Bank Of Commerce’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month · Waived if customer receives direct deposit or ACH
per month
per hour
per hour
per month
per month
per item
per item
per item
per item
per item
per item
per item
per item
per page
per item
per page
per document
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Simply First Checking Monthly Service Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | Waived if customer receives direct deposit or ACH |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance (Per Hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (Per Hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee (Monthly) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Simply First Paper Statement Fee (monthly) | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft (Per Item) | $37.50Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Simply First Overdraft or Nonsufficient | No chargeBelow the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Nonsufficient Fund (Per Item) | $37.50Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection Transfer Sweep (Authorization Required) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Card, Debit Card or Credit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ATM Card, Debit Card or Credit Card Replacement (each) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Simply First ATM Card, Debit Card Replacement | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers (Customer Outgoing - Each) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfers (Customer Incoming - Each) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers (Outgoing International - Each) | $65Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashiers Checks | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashiers Checks (Each) | $7Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Orders (Each) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payments (Each) | $37.50Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks (Per Page) | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Check Cashing (Non-Customer – Per Check) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Cashing Checks Drawn on This Bank | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Copies of Check or Statement (Per Page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
Account Services | |||
| Notary (Per Document) | $5Not compared: Charged per document; comparison unavailable | per document | None |
| Safety Deposit Box Key Replacement (Each) | $100Not compared: Box drilling or key fee | per item | None |
| Safety Deposit Box Lock Drilling (Each) | $200Not compared: Box drilling or key fee | per item | None |
| Levies | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levies (Each) | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Copies (Per Page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Fax – Outgoing (Per Page) | $5Not compared: Charged per page; comparison unavailable | per page | None |
Oct 20, 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 Commerce operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $268.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 5 | $251.0M |
| 1 | $17.8M |
Jonesboro, AR
0.4% of bank deposits, #23 of 25, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Centennial Bank | 17.6% |
| First Community Bank | 9.9% |
| Simmons Bank | 8.6% |
| First National Bank | 8.2% |
| First Horizon Bank | 7.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Jonesboro, AR, First National Bank Of Commerce holds 0.4% of bank deposits, #23 of 25, with 1 office.
66 offices of 28 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 25 institutions shown. $4.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.4% share, 1 office, #23 of 25
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
3 offices of 3 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 and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
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.