First National Bank USA

Headquarters: Boutte, Louisiana
Charter: Bank
Assets: $249.1M
Fed district: Atlanta
Regulator: OCC
Holding company: First St Charles Bancshares

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

Source: its fee schedule, read Oct 19, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 19, 2026

How these figures are measured

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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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.	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

Details

Source: FDIC BankFind Suite (call report data)
Entity: First National Bank USA (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
First National Bank USA: $30
First National Bank USA: $30
U.S. median: no median
NSF / Returned Item
First National Bank USA: $30
First National Bank USA: $30
U.S. median: no median
Non-Network ATM
First National Bank USA: $1
First National Bank USA: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

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.

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).
Louisiana: Banks and credit unions headquartered in Louisiana that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 20% from Q3 2025 to Q2 2026, to $60K.

Service-charge income, Q2 2026

$60K

$75KQ3 2025

$55KQ4 2025

$60KQ1 2026

$60KQ2 2026

Against the median

First National Bank USAMedian

Sources and open questions

FDIC 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

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.

Banks only
$241M to $256M 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
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.

Fee type

Peer pricing snapshot

First National Bank USA does not publish a monthly maintenance fee in the index.

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.

First National Bank USAPeer (equal prices stack)Peer medianInclude 3 outliers ($1, $10, $10)Shown past the axis break, not to scale, so the rest of the set has room.

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.

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 First National Bank USA (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: $60K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: −$6K−9.1%; from Q2 2025
vs start of range: −$9K−13.0%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: First National Bank USA (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

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%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Research and Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee$30
per item
Returned Item Fee$30
per item

ATM & Card

Transaction at an ATM not owned by us or a Community Cash member$1

Wire Transfers

Wire Transfer Outgoing – Domestic$20
Wire Transfer Incoming (All)$15
Wire Transfer Outgoing – Foreign$55

Check Services

Cashier's Check$10
per item
Cashier’s Check (to third party) or less$5
per item
Money Order (up to $250)$2
per item
Stop Payment Charge$10
per item
Temporary Check$0.25
per item
Check Cashing (for non customers, not to exceed $1,000)$25
per item
Collection Item (incoming & outgoing)$20
per item
Free eStatements with online check imagesNo charge

Digital & Electronic

Bill PayNo charge
Mobile Banking with Mobile DepositNo charge

Cash & Deposit

Deposited Checks Returned$5
per item

Account Services

Special Handling Charge (Levies, Garnishments, etc.)$25

Other Fees

Fax$5
Photocopy$1
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	$30	per item	None
Returned Item Fee	$30	per item	None
ATM & Card
Transaction at an ATM not owned by us or a Community Cash member	$1	Not stated	None
Wire Transfers
Wire Transfer Outgoing – Domestic	$20	Not stated	None
Wire Transfer Incoming (All)	$15	Not stated	None
Wire Transfer Outgoing – Foreign	$55	Not stated	None
Check Services
Cashier's Check	$10	per item	None
Cashier’s Check (to third party) or less	$5	per item	None
Money Order (up to $250)	$2	per item	None
Stop Payment Charge	$10	per item	None
Temporary Check	$0.25	per item	None
Check Cashing (for non customers, not to exceed $1,000)	$25	per item	None
Collection Item (incoming & outgoing)	$20	per item	None
Free eStatements with online check images	No charge	Not stated	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Mobile Banking with Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Deposited Checks Returned	$5	per item	None
Account Services
Special Handling Charge (Levies, Garnishments, etc.)	$25	Not stated	None
Other Fees
Fax	$5	Not stated	None
Photocopy	$1	per item	None

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$8	per month	None
Minimum Balance	$10	Not stated	None

Correct a fee source

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.

Branches and public record

Where First National Bank USA operates, and what regulators and customers have on file.

Enforcement actions

2 past actions

Past

Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D)August 13, 2010
OCC. Ended December 20, 2016
Formal AgreementMay 21, 2008
OCC. Ended August 13, 2010

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

Get an email when First National Bank USA's foreign transaction changes in our data

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