3 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 4, 2026.
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 Nov 4, 2026
Call-report figures are for The First National Bank of Winnsboro 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 Winnsboro's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $75K in Q2 2026, 1.3% below the same quarter a year earlier ($76K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $8.00, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Compared at $27.49, the middle of its prices
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 13% from Q3 2025 to Q2 2026, to $75K.
$75K
The First National Bank of WinnsboroMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
The First National Bank of Winnsboro · $158M in assets
Banks and credit unions in the Tyler, TX metro
Banks and credit unions with branches in the Tyler, TX metro: the local competitors for deposits and customers. They range from $22M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The First National Bank of Winnsboro(this institution) | Winnsboro, TX | $158M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Altra Federal Credit Union | Onalaska, WI | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| American State Bank | Arp, TX | $638M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Austin Bank, Texas National Association | Jacksonville, TX | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of America, National Association | Charlotte, NC | $2.7T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital One, National Association | McLean, VA | $662.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cendera Bank | Bells, TX | $258M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union of Texas | Allen, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| East Texas Professional Federal Credit Union | Longview, TX | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Hancock Whitney Bank | Gulfport, MS | $36.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| JPMorgan Chase Bank, National Association | Columbus, OH | $4.1T | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Keystone Federal Credit Union | Tyler, TX | $40M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mcmurrey Federal Credit Union | Tyler, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Origin Bank | Choudrant, LA | $10.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pilgrim Bank | Pittsburg, TX | $715M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| PNC Bank, National Association | Wilmington, DE | $609.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Prosperity Bank | El Campo, TX | $43.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Regions Bank | Birmingham, AL | $159.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Simmons Bank | Pine Bluff, AR | $24.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Southside Bank | Tyler, TX | $8.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Telco Plus Federal Credit Union | Longview, TX | $124M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Texas Bank | Henderson, TX | $954M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas Bank and Trust Company | Longview, TX | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas National Bank of Jacksonville | Jacksonville, TX | $852M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Huntington National Bank | Columbus, OH | $283.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Federal Credit Union | Tyler, TX | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Heritage Federal Credit Union | Austin, TX | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| VeraBank, National Association | Henderson, TX | $4.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Woodforest National Bank | The Woodlands, TX | $9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
28 peers selected · 19 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8, the middle of its two prices, against a peer median of $8 among 19 publishing peers.
Its two checking prices are $5 and $10.99.
$8 is a comparison price, not a fee anyone is charged.
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 7, 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.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 7, 2026. Total assets from FDIC and NCUA records.
Call reports for The First National Bank of Winnsboro (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 | $75K | $0 | 0.0% |
| Q1 2026 | $75K | −$9K | −10.7% |
| Q4 2025 | $84K | −$2K | −2.3% |
| Q3 2025 | $86K | +$10K | +13.2% |
| Q2 2025 | $76K | +$2K | +2.7% |
| Q1 2025 | $74K | −$6K | −7.5% |
| Q4 2024 | $80K | +$2K | +2.6% |
| Q3 2024 | $78K | $0 | 0.0% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from The First National Bank of Winnsboro’s own schedules, with a source for each figure.
Nov 4, 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 The First National Bank of Winnsboro operates, and what regulators and customers have on file.
In Tyler, TX, The First National Bank of Winnsboro holds 0.2% of bank deposits, #24 of 28, with 1 office.
107 offices of 38 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 28 institutions shown. $9.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.2% share, 1 office, #24 of 28
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
23 offices of 12 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
1 past action
Past
OCC. Ended December 16, 2013
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
We check once a day and send one email covering every change.