Compared with Alabama
6 of 13
compared fees are above the median.
5 below, 2 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
99th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Alabama median
of 13 compared; 5 below, 2 about the same
See the feesFee schedule read Oct 25, 2026
Call-report figures are for First Financial Bank 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 Alabama median | Published fees above the Alabama median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Financial Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 25, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 15% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (99th 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 $461K in Q2 2026, 15% above the same quarter a year earlier ($400K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 13 compared published fees sit above the Alabama 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 Alabama medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 2.7% from Q3 2025 to Q2 2026, to $461K. Its share of revenue, 15%, is above the 2.1% median for banks with under $300M in assets.
$461K
First Financial BankMedian
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.
First Financial Bank · $248M 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 Financial Bank(this institution) | Bessemer, AL | $248M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 1st National Bank | Lebanon, OH | $247M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Adams County Bank | Kenesaw, NE | $241M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Easton | North Easton, MA | $249M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Perry County | Lobelville, TN | $253M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank & Trust Company | Saint Paul, NE | $242M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank of Eldon | Eldon, MO | $247M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Citizens Progressive Bank | Winnsboro, LA | $243M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Drake Bank | Saint Paul, MN | $247M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers & Merchants State Bank | Waterloo, WI | $246M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Federal Savings and Loan Association | Delta, OH | $246M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of Burleson | Burleson, TX | $251M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank USA | Boutte, LA | $249M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FirstOak Bank | Independence, KS | $241M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Homeland Community Bank | McMinnville, TN | $244M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hometown Bank | Kent, OH | $255M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mi Bank | Bloomfield Township, MI | $245M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nebraska Bank of Commerce | Lincoln, NE | $241M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Quoin Financial Bank | Miller, SD | $251M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Raritan State Bank | Raritan, IL | $254M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Security Bank | New Auburn, WI | $254M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security National Bank of South Dakota | Dakota Dunes, SD | $251M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Commercial Bank of Grayson | Grayson, KY | $242M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Idabel National Bank | Idabel, OK | $242M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Peoples Bank of Georgia | Talbotton, GA | $252M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wayne Bank and Trust Co. | Richmond, IN | $255M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $1, against a peer median of $6 among 13 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 First Financial Bank (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 | $461K | +$22K | +5.0% |
| Q1 2026 | $439K | −$7K | −1.6% |
| Q4 2025 | $446K | −$3K | −0.7% |
| Q3 2025 | $449K | +$49K | +12.3% |
| Q2 2025 | $400K | −$39K | −8.9% |
| Q1 2025 | $439K | −$19K | −4.1% |
| Q4 2024 | $458K | +$10K | +2.2% |
| Q3 2024 | $448K | +$7K | +1.6% |
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 Financial Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Financial Bank by share.
Amounts from First Financial Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per quarter
per quarter
per hour · Account Research | $25.00/hour
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| VRU Service Charge | $1Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Personal Savings Minimum balance fee | $9Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Close-Out Fee (if account is closed within 90 days of opening) (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (charged quarterly) (audience not stated, treated as personal) | $15Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research | $25.00/hour |
| Service charge | $1Below the U.S. middle 50% ($7 to $25 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft Fee – Each overdraft paid over $5 | $33Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Continuous Overdraft (audience not stated, treated as personal) | $3Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Negative Balance Fee (audience not stated, treated as personal) | $3Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Checks (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payments Single Item Range of Items | $33Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks (up to 5) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| On-Us Check Cashing for Non-Account Holders | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Copy of Check | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Nonsufficient Funds (ACH) – Each paid or returned over $5 | $33Above the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| Nonsufficient Funds (ACH) – Eash paid or returned | $5Below the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| Internet Banking Bill Payment Service | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Item Fee | $6Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Other Fees | |||
| Faxed Item | $3Inside the U.S. middle 50% ($2 to $5 nationally) | 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
Oct 25, 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 Financial Bank operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state, $237.4M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 7 | $206.8M | |
| 1 | $30.6M |
Birmingham, AL
0.4% of bank deposits, #25 of 49, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| Regions Bank | 28.5% |
| PNC Bank, National Association | 11.8% |
| ServisFirst Bank | 9.3% |
| Pinnacle Bank | 7.7% |
| Wells Fargo Bank, National Association | 7.1% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Birmingham, AL, First Financial Bank holds 0.4% of bank deposits, #25 of 49, with 7 offices.
418 offices of 100 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 49 institutions shown. $53.8B 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, 7 offices, #25 of 49
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
128 offices of 51 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 Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the 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.