The First National Bank of Dennison

Headquarters: Dennison, Ohio
Charter: Bank
Assets: $267.4M
Fed district: Cleveland
Regulator: OCC
Holding company: Fnb Inc.

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

Source: its fee schedule, read Oct 16, 2026.

Overview

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
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 16, 2026

How these figures are measured

Call-report figures are for The First National Bank of Dennison 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) 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.	The First National Bank of Dennison's published fee schedule; Bank Fee Index medians	Current schedule	Oct 16, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: The First National Bank of Dennison (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $83K in Q2 2026, 2.5% above the same quarter a year earlier ($81K).
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 $5, the middle of its prices
The First National Bank of Dennison: $2 to $8
The First National Bank of Dennison: $2 to $8
U.S. median: no median
Overdraft (OD)
The First National Bank of Dennison: $34
The First National Bank of Dennison: $34
U.S. median: no median
NSF / Returned Item
The First National Bank of Dennison: $34
The First National Bank of Dennison: $34
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland 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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 fell 1.2% from Q3 2025 to Q2 2026, to $83K.

Service-charge income, Q2 2026

$83K

$84KQ3 2025

$84KQ4 2025

$79KQ1 2026

$83KQ2 2026

Against the median

The First National Bank of DennisonMedian

Sources and open questions

FFIEC 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

The First National Bank of Dennison · $267M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$260M to $277M in assets
Headquartered in 19 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
The First National Bank of Dennison(this institution)	Dennison, OH	$267M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Alliance Bank	Mondovi, WI	$266M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
American Bank & Trust Company	Opelousas, LA	$267M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Anahuac National Bank	Anahuac, TX	$266M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Brookhaven	Brookhaven, MS	$262M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Deerfield	Deerfield, WI	$268M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bank of Hindman	Hindman, KY	$260M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Cayuga Lake National Bank	Union Springs, NY	$274M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Clackamas County Bank	Sandy, OR	$266M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Commercial State Bank	Wausa, NE	$264M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Davis Trust Company	Elkins, WV	$275M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Farmers and Merchants State Bank	Winterset, IA	$272M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank of Manhattan	Manhattan, IL	$266M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of Steeleville	Steeleville, IL	$275M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Iowa State Savings Bank	Creston, IA	$277M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jim Thorpe Neighborhood Bank	Jim Thorpe, PA	$265M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Mediapolis Savings Bank	Mediapolis, IA	$270M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mission National Bank	San Francisco, CA	$276M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Old Glory Bank	Elmore City, OK	$277M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Patriots Bank	Garnett, KS	$269M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
South Georgia Bank	Glennville, GA	$270M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Apple Creek Banking Company	Apple Creek, OH	$271M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank and Trust Company of Broken Arrow	Broken Arrow, OK	$269M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Wells River Savings Bank	Wells River, VT	$267M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Wyoming Community Bank	Riverton, WY	$262M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
YNB	Yukon, OK	$261M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $0.88 (15%) below the median of similar-sized banks.

Compared at $5, the middle of its three prices, against a peer median of $5.88 among 14 publishing peers.

Its three checking prices are $2, $5 and $8.

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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

The First National Bank o…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer medianInclude $19 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 Oct 31, 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 The First National Bank of Dennison (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: $83K
vs prior quarter: +$4K+5.1%; from Q1 2026
vs a year earlier: +$2K+2.5%; from Q2 2025
vs start of range: $00.0%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: The First National Bank of Dennison (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$83K	+$4K	+5.1%
Q1 2026	$79K	−$5K	−6.0%
Q4 2025	$84K	$0	0.0%
Q3 2025	$84K	+$3K	+3.7%
Q2 2025	$81K	+$3K	+3.8%
Q1 2025	$78K	−$10K	−11.4%
Q4 2024	$88K	+$5K	+6.0%
Q3 2024	$83K	−$2K	−2.4%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The First National Bank of Dennison’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$8
per month
Monthly fee$2
per month
Monthly Maintenance$5
per month
Account Closed within 6 months of opening$40
Dormant Checking Account Fee$5
per month
Dormant Savings account annual charge$10
Not compared: Annual charge, not monthly
per year
Account Research$50
Not compared: Charged per hour; comparison unavailable
per hour
Paper statement fee$3
per month
Paper Statement Fee$2
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Overdraft (each debit or check paid)$34
per item
Non-sufficient funds (NSF) per item$34
per item

ATM & Card

ATM fee (foreign)$2
per item
Replace Lost ATM/Debit Card$10

Wire Transfers

Wire Transfers (incoming)$40
Wire Transfers (foreign)$45

Check Services

Cashier’s Checks$8
Money Orders$5
Check Printing$10
Check Printing Rush Fee (audience not stated, treated as personal)$10
per item · 2 business days on in-house checks picked up at Dennison or Dover office
Stop Payments (all items)$34
Starter check charge (4 checks)$5
Check Cashing (non-customers)$8
per item
Canadian Check Negotiation Fee$10

Digital & Electronic

Billpay Inactivity (no activity for 6 months)$2
per month

Account Services

Safe Deposit Box Drilling Fee$350
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement$75
Not compared: Box drilling or key fee
per item
Safe Deposit Box Late Payment$15
Not compared: Box drilling or key fee

Other Fees

Photocopies$0.25
per item
Statement Copy (Personal & Business)$2

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$8	per month	None
Monthly fee	$2	per month	None
Monthly Maintenance	$5	per month	None
Account Closed within 6 months of opening	$40	Not stated	None
Dormant Checking Account Fee	$5	per month	None
Dormant Savings account annual charge	$10Not compared: Annual charge, not monthly	per year	None
Account Research	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statement fee	$3	per month	None
Paper Statement Fee	$2Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Overdraft (each debit or check paid)	$34	per item	None
Non-sufficient funds (NSF) per item	$34	per item	None
ATM & Card
ATM fee (foreign)	$2	per item	None
Replace Lost ATM/Debit Card	$10	Not stated	None
Wire Transfers
Wire Transfers (incoming)	$40	Not stated	None
Wire Transfers (foreign)	$45	Not stated	None
Check Services
Cashier’s Checks	$8	Not stated	None
Money Orders	$5	Not stated	None
Check Printing	$10	Not stated	None
Check Printing Rush Fee (audience not stated, treated as personal)	$10	per item	2 business days on in-house checks picked up at Dennison or Dover office
Stop Payments (all items)	$34	Not stated	None
Starter check charge (4 checks)	$5	Not stated	None
Check Cashing (non-customers)	$8	per item	None
Canadian Check Negotiation Fee	$10	Not stated	None
Digital & Electronic
Billpay Inactivity (no activity for 6 months)	$2	per month	None
Account Services
Safe Deposit Box Drilling Fee	$350Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement	$75Not compared: Box drilling or key fee	per item	None
Safe Deposit Box Late Payment	$15Not compared: Box drilling or key fee	Not stated	None
Other Fees
Photocopies	$0.25	per item	None
Statement Copy (Personal & Business)	$2	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 16, 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.

Branches and public record

Where The First National Bank of Dennison operates, and what regulators and customers have on file.

Enforcement actions

1 past action

Past

Formal AgreementSeptember 17, 2024
OCC. Ended December 2, 2025
Asset Quality; Board / Management Oversight; Compliance Risk Management; Credit/Collateral Exceptions; Enterprise Governance / Internal Controls / General Risk Management; Inaccurate / Incomplete / False Books and Records; Lending Issues; Loan Review; Other Lending Deficiencies; Problem Loan Identification; Strategic Planning

Source: public enforcement action lists from the OCC and Federal Reserve, read November 8, 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

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