Compared with Minnesota
11 of 22
compared fees are above the median.
5 below, 6 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
69th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Minnesota median
of 22 compared; 5 below, 6 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for The First National Bank of Milaca 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 Minnesota median | Published fees above the Minnesota 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 Milaca's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.0% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (69th 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 $110K in Q2 2026, 4.3% below the same quarter a year earlier ($115K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
11 of 22 compared published fees sit above the Minnesota median; 5 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 Minnesota medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 5.8% from Q3 2025 to Q2 2026, to $110K. Its share of revenue, 3.0%, is above the 2.1% median for banks with under $300M in assets.
$110K
The First National Bank of MilacaMedian
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.
The First National Bank of Milaca · $293M 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 |
|---|---|---|---|---|---|---|---|
| The First National Bank of Milaca(this institution) | Milaca, MN | $293M | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 |
| 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 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 |
| DLP Bank | Starke, FL | $301M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers & Merchants Bank | Eatonton, GA | $290M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers Bank | Greenwood, AR | $289M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| First National Bank Of Commerce | Walnut Ridge, AR | $297M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Whitney Bank and Trust | Atlantic, IA | $288M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| Nantahala Bank & Trust Company | Franklin, NC | $289M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| 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 Fort Jennings State Bank | Fort Jennings, OH | $286M | Publishes Monthly maintenance | Out-of-network ATM not published | 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 |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $25, against a peer median of $7 among 17 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 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 The First National Bank of Milaca (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 | $110K | +$18K | +19.6% |
| Q1 2026 | $92K | −$13K | −12.4% |
| Q4 2025 | $105K | +$1K | +1.0% |
| Q3 2025 | $104K | −$11K | −9.6% |
| Q2 2025 | $115K | +$5K | +4.5% |
| Q1 2025 | $110K | −$10K | −8.3% |
| Q4 2024 | $120K | −$20K | −14.3% |
| Q3 2024 | $140K | +$11K | +8.5% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, The First National Bank of Milaca 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 Milaca by share.
Amounts from The First National Bank of Milaca’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per page · Faxed Transmissions | $1/page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New Account Closure (w/in 30 days) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Statement Reconciliation - First Time | No chargeBelow the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Monthly mailed statement fee | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Bad Address Fee -per account/ statement cycle | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft (OD) Charge | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Return Item Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Continuous Overdraft Fee | $1Below the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| ATM owned by Others | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement/Lost Card | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing Domestic (Customer) | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Foreign (Customer) | $80Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Charge | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing (Non-customer) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Bill Pay Plus Inactive Fee | $5.95Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Loose Coin Counting (non customer) (audience not stated, treated as personal) | 10% | Not stated | None |
Account Services | |||
| Notary Fee (non-customer) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Drilling | $300Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Lost Key | $75Not compared: Box drilling or key fee | Not stated | None |
| Levies & Garnishments | $50Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
Lending Fees | |||
| Late fee | $5Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card Purchase | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Faxed Transmissions | $1Not compared: Charged per page; comparison unavailable | per page | Faxed Transmissions | $1/page |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per item
per page · Faxed Transmissions | $1/page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New Account Closure (w/in 30 days) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Statement Reconciliation - First Time | No chargeBelow the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Bad Address Fee -per account/ statement cycle | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft (OD) Charge | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Return Item Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Continuous Overdraft Fee | $1Below the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| ATM owned by Others | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement/Lost Card | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing Domestic (Customer) | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Foreign (Customer) | $80Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Charge | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing (Non-customer) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Bill Pay Plus Inactive Fee | $5.95Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Commercial Chargeback | $10 | per item | None |
Account Services | |||
| Notary Fee (non-customer) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Drilling | $300Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Lost Key | $75Not compared: Box drilling or key fee | Not stated | None |
| Levies & Garnishments | $50Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
Lending Fees | |||
| Late fee | $5Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card Purchase | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Faxed Transmissions | $1Not compared: Charged per page; comparison unavailable | per page | Faxed Transmissions | $1/page |
Oct 17, 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 Milaca operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $259.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $234.2M | |
| 1 | $25.6M |
Minneapolis-St. Paul-Bloomington, MN-WI
0.1% of bank deposits, #63 of 125, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 40.8% |
| Wells Fargo Bank, National Association | 20.3% |
| Ameriprise Bank, FSB | 9.5% |
| Old National Bank | 2.9% |
| The Huntington National Bank | 2.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Minneapolis-St. Paul-Bloomington, MN-WI, The First National Bank of Milaca holds 0.1% of bank deposits, #63 of 125, with 3 offices.
900 offices of 143 institutions shown.
Showing 900 of 947 offices: the largest institutions' offices, with banks and credit unions in proportion.
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 125 institutions shown. $253.2B 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, 3 offices, #63 of 125
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
233 offices of 54 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 July 24, 2012
Source: public enforcement action lists from the OCC and Federal Reserve, 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
We check once a day and send one email covering every change.