Compared with Louisiana
5 of 18
compared fees are above the median.
6 below, 7 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
51st percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Louisiana median
of 18 compared; 6 below, 7 about the same
See the feesFee schedule read Oct 19, 2026
Call-report figures are for First National Bank USA 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 Louisiana median | Published fees above the Louisiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First National Bank USA's published fee schedule; Bank Fee Index medians | Current schedule | Oct 19, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.1% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (51st 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 $60K in Q2 2026, 9.1% below the same quarter a year earlier ($66K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
5 of 18 compared published fees sit above the Louisiana median; 6 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 Louisiana medians for fees published by banks and credit unions.
Stop Payment
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 20% from Q3 2025 to Q2 2026, to $60K. Its share of revenue, 2.1%, is above the 2.1% median for banks with under $300M in assets.
$60K
First National Bank USAMedian
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 National Bank USA · $249M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First National Bank USA(this institution) | Boutte, LA | $249M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| Alliant Bank | Madison, MO | $256M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 Financial Bank | Bessemer, AL | $248M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| FirstOak Bank | Independence, KS | $241M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heartland Bank | Somers, IA | $256M | Publishes Monthly maintenance | 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 |
| 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 · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5.87 among 15 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
First National Bank USA 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for First National Bank USA (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 | $60K | $0 | 0.0% |
| Q1 2026 | $60K | +$5K | +9.1% |
| Q4 2025 | $55K | −$20K | −26.7% |
| Q3 2025 | $75K | +$9K | +13.6% |
| Q2 2025 | $66K | +$2K | +3.1% |
| Q1 2025 | $64K | +$3K | +4.9% |
| Q4 2024 | $61K | −$8K | −11.6% |
| Q3 2024 | $69K | +$2K | +3.0% |
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 USA 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 USA by share.
Amounts from First National Bank USA’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Research and Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Transaction at an ATM not owned by us or a Community Cash member | $1Inside the U.S. middle 50% ($1 to $2 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 Incoming (All) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Outgoing – Foreign | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashier’s Check (to third party) or less | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (up to $250) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Charge | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Check | $0.25Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing (for non customers, not to exceed $1,000) | $25Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection Item (incoming & outgoing) | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Free eStatements with online check images | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Banking with Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Checks Returned | $5Below the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Special Handling Charge (Levies, Garnishments, etc.) | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Fax | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 19, 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 USA operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $213.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 2 | $213.1M |
New Orleans-Metairie, LA
0.6% of bank deposits, #15 of 32, up 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Capital One, National Association | 25.7% |
| Hancock Whitney Bank | 19.1% |
| JPMorgan Chase Bank, National Association | 18.7% |
| Regions Bank | 7.7% |
| First Horizon Bank | 6.1% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In New Orleans-Metairie, LA, First National Bank USA holds 0.6% of bank deposits, #15 of 32, with 2 offices.
297 offices of 71 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 32 institutions shown. $36.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.6% share, 2 offices, #15 of 32
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
94 offices of 41 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
2 past actions
Past
OCC. Ended December 20, 2016
OCC. Ended August 13, 2010
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.