Fees from its schedule are under review and appear here once review is done.
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Total assets
Q4 2025, quarter end
FDIC call report data · Dec 31, 2025
Revenue
Q4 2025, one quarter
FDIC call report data · Dec 31, 2025
Service-charge income
Q4 2025, one quarter
FDIC call report data · Dec 31, 2025
Service-charge share of revenue
67th percentile; peer median 2.2%
FDIC call report data · Dec 31, 2025
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Aug 10, 2026
Call-report figures are for First Fidelity 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 | FDIC BankFind Suite (call report data) ASSET | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 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 1,712 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q4 2025 Quarter ended Dec 31, 2025 | 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 Fidelity Bank's published fee schedule; Bank Fee Index medians | Current schedule | Aug 10, 2026 |
Service-charge income by quarter
Q3 2023 to Q4 2025, standalone quarters
Service charges were 3.1% of revenue, above the 2.2% median of 1,712 banks with under $300M in assets (67th 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 $44K in Q4 2025, 8.3% below the same quarter a year earlier ($48K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for First Fidelity Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q1 2024 to Q4 2025, standalone quarters · 60 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q4 2025 | $44K | −$2K | −4.3% |
| Q3 2025 | $46K | +$4K | +9.5% |
| Q2 2025 | $42K | −$3K | −6.7% |
| Q1 2025 | $45K | −$3K | −6.3% |
| Q4 2024 | $48K | +$3K | +6.7% |
| Q3 2024 | $45K | $0 | 0.0% |
| Q2 2024 | $45K | +$5K | +12.5% |
| Q1 2024 | $40K | −$5K | −11.1% |
Financial cohort: 1,800 banks with under $300M in assets filing for Q4 2025; 1,712 reported a share above 0% and are counted, First Fidelity 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 Fidelity Bank by share.
They stay out of every comparison until review is done.
varies · per hour
one time · If an account is closed within 180 days of opening
per item · In excess of one per calendar month
per item
per item · per page (maximum of $3.00)
varies · Assessed for each calendar day your account is overdrawn (negative balance) beginning on the 6th day your account is overdrawn
per item · MUST SHOW PICTURE ID
per item · MUST SHOW PICTURE ID
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Other feesUnder review | |||
| Account balancing (Staff Assisted) (audience not stated, treated as personal) | $15 | varies | per hour |
| Account close-out fee (audience not stated, treated as personal) | $15 | one time | If an account is closed within 180 days of opening |
| Balance inquiry (staff assisted) (audience not stated, treated as personal) | $1 | per item | In excess of one per calendar month |
| Check card/ATM Card replacement (audience not stated, treated as personal) | $5 | per item | None |
| Duplicate account statement (audience not stated, treated as personal) | $1 | per item | per page (maximum of $3.00) |
| Negative Balance Service Charge (audience not stated, treated as personal) | $3 | varies | Assessed for each calendar day your account is overdrawn (negative balance) beginning on the 6th day your account is overdrawn |
| Social Security card cashing fee - at ATM (audience not stated, treated as personal) | $2 | per item | MUST SHOW PICTURE ID |
| Social Security card cashing fee - inside with assistance (audience not stated, treated as personal) | $4 | per item | MUST SHOW PICTURE ID |
| Transfer between accounts (Staff Assisted) (audience not stated, treated as personal) | $2 | per item | None |
| Wire transfers - Domestic - Incoming (audience not stated, treated as personal) | $12 | per item | None |
| Wire transfers - International - Incoming (audience not stated, treated as personal) | $12 | per item | None |
| Wire transfers - International - Outgoing (audience not stated, treated as personal) | $35 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Aug 10, 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 Fidelity Bank operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $143.2M in branch deposits (June 2025)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $143.2M |
Largest competitors nearby
Local market: DeKalb county, AL, around its headquarters.
| 9 in its local market | Deposit share |
|---|---|
| First State Bank of DeKalb County | 23% |
| First Southern State Bank | 18.3% |
| Regions Bank | 18.3% |
| First Bank of Alabama | 11.1% |
| Liberty Bank | 10% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2025. Deposits are booked at the branch as of June 30.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows