Compared with Kansas
8 of 17
compared fees are above the median.
6 below, 3 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
82nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kansas median
of 17 compared; 6 below, 3 about the same
See the feesFee schedule read Oct 13, 2026
Call-report figures are for The First National Bank in Cimarron 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 Kansas median | Published fees above the Kansas 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 in Cimarron's published fee schedule; Bank Fee Index medians | Current schedule | Oct 13, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.2% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (82nd 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 $65K in Q2 2026, 1.5% 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.
8 of 17 compared published fees sit above the Kansas 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 Kansas medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $8.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 5.8% from Q3 2025 to Q2 2026, to $65K. Its share of revenue, 4.2%, is above the 2.1% median for banks with under $300M in assets.
$65K
The First National Bank in CimarronMedian
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. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
The First National Bank in Cimarron · $143M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 13 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The First National Bank in Cimarron(this institution) | Cimarron, KS | $143M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Pensacola | Pensacola, FL | $147M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Salem | Salem, MO | $147M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank Plus | Estherville, IA | $145M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bridge Community Bank | Mount Vernon, IA | $141M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Carmine State Bank | Carmine, TX | $149M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers Trust & Savings Bank | Earling, IA | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Federated Bank | Onarga, IL | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Bank and Trust of Memphis | Memphis, TX | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| First State Bank | Belmond, IA | $142M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hyden Citizens Bank | Hyden, KY | $149M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Jonesburg State Bank | Jonesburg, MO | $146M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Marion State Bank | Marion, TX | $142M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Miami Savings Bank | Miamitown, OH | $148M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Millbury National Bank | Millbury, MA | $147M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Peoples Bank of Wyaconda, Missouri | Kahoka, MO | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| River Falls State Bank | River Falls, WI | $143M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security Bank of Southwest Missouri | Cassville, MO | $147M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Security First National Bank of Hugo | Hugo, OK | $138M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The First State Bank of Rosemount | Rosemount, MN | $146M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Peoples Bank | Taylorsville, KY | $145M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Sacramento Deposit Bank | Sacramento, KY | $150M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Twin Valley Bank | West Alexandria, OH | $138M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Union Federal Savings and Loan Association | Kewanee, IL | $146M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Vermilion Bank & Trust Company | Kaplan, LA | $145M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| West Plains Bank | Ainsworth, NE | $139M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8.50, the middle of its three prices, against a peer median of $7 among 13 publishing peers.
Its three checking prices are $5, $8.50 and $10.
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 1, 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.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for The First National Bank in Cimarron (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 | $65K | +$4K | +6.6% |
| Q1 2026 | $61K | −$3K | −4.7% |
| Q4 2025 | $64K | −$5K | −7.2% |
| Q3 2025 | $69K | +$3K | +4.5% |
| Q2 2025 | $66K | +$6K | +10.0% |
| Q1 2025 | $60K | +$3K | +5.3% |
| Q4 2024 | $57K | −$2K | −3.4% |
| Q3 2024 | $59K | +$6K | +11.3% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, The First National Bank in Cimarron left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The First National Bank in Cimarron by share.
Amounts from The First National Bank in Cimarron’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour
per hour
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $8.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| NOW Account Monthly fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Savings Accounts | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Reconcile Bank Statement, per hour | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Research, per hour charge | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft per item presentment attempt | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Nonsufficient Funds (NSF) per item presentment attempt | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Continuous Negative Balance Fee every 7 consecutive business days overdrawn | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Fee for Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Card Order | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire, customer | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire, non-customer | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wires, Incoming, customer | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wires, Incoming, non-customer | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Deposit Items | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Drilling a lock | $250Not compared: Box drilling or key fee | Not stated | None |
| Lost Key Fee | $50Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2x5 | $12Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x10 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4x5 | $18Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Tax Levy / Garnishment Fee | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Other Fees | |||
| Fax Service, Additional Page | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax Service, First Page | $5Inside the U.S. middle 50% ($2 to $5 nationally) | 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
Oct 13, 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 in Cimarron operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $131.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $131.3M |
Largest competitors nearby
Local market: Gray county, KS, where it holds the most deposits.
| 2 in its local market | Deposit share |
|---|---|
| Bank 7 | 34.9% |
| Integrity Bank | 16.4% |
This bank holds 48.7% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
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
We check once a day and send one email covering every change.