First Federal Bank

Headquarters: Lake City, Florida
Charter: Bank
Assets: $4.5B
Fed district: Atlanta
Regulator: OCC
Holding company: First Federal Bancorp Mhc

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

Source: its fee schedule, read Oct 26, 2026.

Overview

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 Oct 26, 2026

How these figures are measured

Call-report figures are for First Federal 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) 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 Federal Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 26, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First Federal Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $1.3M in Q2 2026, 6.1% below the same quarter a year earlier ($1.4M).
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.

Monthly Maintenance
First Federal Bank: $10
First Federal Bank: $10
U.S. median: no median
Overdraft (OD)
First Federal Bank: $37
First Federal Bank: $37
U.S. median: no median
NSF / Returned Item
First Federal Bank: $37
First Federal Bank: $37
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, 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).
Florida: Banks and credit unions headquartered in Florida 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 7.7% from Q3 2025 to Q2 2026, to $1.3M.

Service-charge income, Q2 2026

$1.3M

$1.4MQ3 2025

$1.5MQ4 2025

$1.4MQ1 2026

$1.3MQ2 2026

Against the median

First Federal BankMedian

Sources and open questions

FFIEC 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 Federal Bank · $4.5B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$4B to $4.8B in assets
Headquartered in 15 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 Federal Bank(this institution)	Lake City, FL	$4.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Arrow Bank National Association	Glens Falls, NY	$4.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bar Harbor Bank & Trust	Bar Harbor, ME	$4.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Capital City Bank	Tallahassee, FL	$4.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Carter Bank & Trust	Martinsville, VA	$4.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Civista Bank	Sandusky, OH	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
First Bank	Hamilton, NJ	$4.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Community Bank	Farmington, MO	$4.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Gate City Bank	Fargo, ND	$4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hills Bank and Trust Company	Hills, IA	$4.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hingham Institution for Savings	Hingham, MA	$4.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
HomeTrust Bank	Asheville, NC	$4.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
International Bank of Commerce	Brownsville, TX	$4.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
NATIONAL COOPERATIVE BANK, N.A.	Hillsboro, OH	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
PeoplesBank	Holyoke, MA	$4.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Primis Bank	Tappahannock, VA	$4.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southern First Bank	Greenville, SC	$4.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Spencer Savings Bank, SLA	Elmwood Park, NJ	$4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
State Bank of India	Chicago, IL	$4.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sunwest Bank	Sandy, UT	$4.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	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 Exchange Bank	Crowley, TX	$4.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Fidelity Bank	Fuquay Varina, NC	$4.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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
Wheaton Bank & Trust, National Association	Wheaton, IL	$4.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Woori America Bank	New York, NY	$4.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.12 (27%) above the median of similar-sized banks.

Its published price is $10, against a peer median of $7.88 among 16 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 Federal BankPeer (equal prices stack)Peer median

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.

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 Federal Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $1.3M
vs prior quarter: −$105K−7.3%; from Q1 2026
vs a year earlier: −$87K−6.1%; from Q2 2025
vs start of range: −$210K−13.6%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Federal Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$1.3M	−$105K	−7.3%
Q1 2026	$1.4M	−$32K	−2.2%
Q4 2025	$1.5M	+$26K	+1.8%
Q3 2025	$1.4M	+$24K	+1.7%
Q2 2025	$1.4M	−$10K	−0.7%
Q1 2025	$1.4M	−$47K	−3.2%
Q4 2024	$1.5M	−$66K	−4.3%
Q3 2024	$1.5M	+$25K	+1.6%

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 Federal Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Maintenance Fee$10
per month
Miscellaneous Charges: Account Closing$25
Dormant Account Fee (Checking After 12 Months)$10
per month
Account Reconciliation$26
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$26
Not compared: Charged per hour; comparison unavailable
per hour
Loan Research Fee$30
Not compared: Charged per hour; comparison unavailable
per hour · Loan Research Fee | $30/Hr. - 1 Hr. Min
Paper Statement Fee (Personal Checking Only)$2
per month
Return Mail Fee$5
per month

Overdraft & NSF

NSF Paid Item Fee$37
per item
NSF Returned Item Fee$37
per item
Overdraft Protection$7
per item

ATM & Card

ATM Transactions - Foreign ATM Withdrawal$2.49
per item
Replacement Debit Card$12
Replacement Debit Card + Expedited Shipping$35

Check Services

Cashier's Checks (Customer)$5
Stop Payment Order$32
Counter Checks$1
Not compared: Charged per page; comparison unavailable
per page · Counter Checks | $1 Per Page
Check Images in Statements$5.69
Copy of Canceled Check$5

Digital & Electronic

ACH Origination (audience not stated, treated as personal)$30
Not compared: Monthly charge, not per item
per month
Same Day Bill Pay$9.95

Cash & Deposit

Return Deposit Item$11
Return Deposited Item (audience not stated, treated as personal)$11

Account Services

Plus Cost to Drill Box (Minimum $175)$10
Not compared: Box drilling or key fee
Subordination of Mortgage Fee (audience not stated, treated as personal)$150

Retirement & IRA

IRA Annual Maintenance Fee$15
per year
IRA/HSA Custodial Transfer Fee$50

Other Fees

Account Printout, Copy of Statement, or Special Statement$5
Loan Payment by Phone Fee (ACH) (audience not stated, treated as personal)$15

Fee	Amount	Basis	Note
Account Maintenance
Account Maintenance Fee	$10	per month	None
Miscellaneous Charges: Account Closing	$25	Not stated	None
Dormant Account Fee (Checking After 12 Months)	$10	per month	None
Account Reconciliation	$26Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$26Not compared: Charged per hour; comparison unavailable	per hour	None
Loan Research Fee	$30Not compared: Charged per hour; comparison unavailable	per hour	Loan Research Fee \| $30/Hr. - 1 Hr. Min
Paper Statement Fee (Personal Checking Only)	$2	per month	None
Return Mail Fee	$5	per month	None
Overdraft & NSF
NSF Paid Item Fee	$37	per item	None
NSF Returned Item Fee	$37	per item	None
Overdraft Protection	$7	per item	None
ATM & Card
ATM Transactions - Foreign ATM Withdrawal	$2.49	per item	None
Replacement Debit Card	$12	Not stated	None
Replacement Debit Card + Expedited Shipping	$35	Not stated	None
Check Services
Cashier's Checks (Customer)	$5	Not stated	None
Stop Payment Order	$32	Not stated	None
Counter Checks	$1Not compared: Charged per page; comparison unavailable	per page	Counter Checks \| $1 Per Page
Check Images in Statements	$5.69	Not stated	None
Copy of Canceled Check	$5	Not stated	None
Digital & Electronic
ACH Origination (audience not stated, treated as personal)	$30Not compared: Monthly charge, not per item	per month	None
Same Day Bill Pay	$9.95	Not stated	None
Cash & Deposit
Return Deposit Item	$11	Not stated	None
Return Deposited Item (audience not stated, treated as personal)	$11	Not stated	None
Account Services
Plus Cost to Drill Box (Minimum $175)	$10Not compared: Box drilling or key fee	Not stated	None
Subordination of Mortgage Fee (audience not stated, treated as personal)	$150	Not stated	None
Retirement & IRA
IRA Annual Maintenance Fee	$15	per year	None
IRA/HSA Custodial Transfer Fee	$50	Not stated	None
Other Fees
Account Printout, Copy of Statement, or Special Statement	$5	Not stated	None
Loan Payment by Phone Fee (ACH) (audience not stated, treated as personal)	$15	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

Correct a fee source

Oct 26, 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 Federal Bank operates, and what regulators and customers have on file.

Enforcement actions

None on file with the OCC and Federal Reserve

The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.

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 Federal Bank's foreign transaction changes in our data

We check once a day and send one email covering every change.