The First National Bank of Moose Lake

Headquarters: Moose Lake, Minnesota
Charter: Bank
Assets: $133.7M
Fed district: Minneapolis
Regulator: OCC
Holding company: First Nb Moose Lake Profit Sharing&esop

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

Source: its fee schedule, read Nov 4, 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 Nov 4, 2026

How these figures are measured

Call-report figures are for The First National Bank of Moose Lake 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.	The First National Bank of Moose Lake'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

Details

Source: FDIC BankFind Suite (call report data)
Entity: The First National Bank of Moose Lake (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 $11K in Q2 2026, 15% below the same quarter a year earlier ($13K).
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)
Compared at $30, its standard fee, the highest of its prices
The First National Bank of Moose Lake: $15 to $30
The First National Bank of Moose Lake: $15 to $30
U.S. median: no median
Wire Transfer (Domestic Out)
The First National Bank of Moose Lake: $15
The First National Bank of Moose Lake: $15
U.S. median: no median
Stop Payment
The First National Bank of Moose Lake: $20
The First National Bank of Moose Lake: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis 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).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 15% from Q3 2025 to Q2 2026, to $11K.

Service-charge income, Q2 2026

$11K

$13KQ3 2025

$13KQ4 2025

$14KQ1 2026

$11KQ2 2026

Against the median

The First National Bank of Moose LakeMedian

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

The First National Bank of Moose Lake · $134M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.

Banks only
$125M to $142M in assets
Headquartered in 14 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
The First National Bank of Moose Lake(this institution)	Moose Lake, MN	$134M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1st Equity Bank	Skokie, IL	$130M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Halls	Halls, TN	$135M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bison State Bank	Bison, KS	$126M	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
Chester National Bank	Chester, IL	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Citizens Bank of Rogersville	Rogersville, MO	$125M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Clay County Bank, Inc.	Clay, WV	$136M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community Bank of Pleasant Hill	Pleasant Hill, MO	$133M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Conservation First Bank	Benton, WI	$127M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Dalhart Federal Savings & Loan Association, SSB	Dalhart, TX	$126M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Federated Bank	Onarga, IL	$140M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	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
Flora Bank & Trust	Flora, IL	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
FNB Coweta	Coweta, OK	$128M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Marion State Bank	Marion, TX	$142M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
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
Security State Bank	Iron River, WI	$136M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Stoughton Co-operative Bank	Stoughton, MA	$135M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Aspermont	Aspermont, TX	$134M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Ely	Ely, NV	$133M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Miners State Bank	Iron River, MI	$135M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Stockgrowers State Bank	Maple Hill, KS	$128M	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 State Bank	Winterset, IA	$136M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	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 · 17 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

The First National Bank of Moose Lake does not publish a monthly maintenance fee in the index.

The peer median is $7.50 among 17 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 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

The First National Bank of Moose Lake does not publish a monthly maintenance fee, so it is not on this chart.

The First National Bank o…Peer (equal prices stack)Peer medianInclude $20 outlierShown 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 4, 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 The First National Bank of Moose Lake (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: $11K
vs prior quarter: −$3K−21.4%; from Q1 2026
vs a year earlier: −$2K−15.4%; from Q2 2025
vs start of range: −$2K−15.4%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: The First National Bank of Moose Lake (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	$11K	−$3K	−21.4%
Q1 2026	$14K	+$1K	+7.7%
Q4 2025	$13K	$0	0.0%
Q3 2025	$13K	$0	0.0%
Q2 2025	$13K	+$2K	+18.2%
Q1 2025	$11K	$0	0.0%
Q4 2024	$11K	−$2K	−15.4%
Q3 2024	$13K	−$2K	−13.3%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from The First National Bank of Moose Lake’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (per month when balance is $100 or less)$10
per month
Account balancing, reconciliation & research fee per hour$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft fee per item per presentment$30
per item
Overdraft fee per item per presentment (overdraft balance $30.00 or less)$15
per item

ATM & Card

Debit Card Replacement$7.50
Expedited Debit Card Shipping$60

Wire Transfers

Wire Transfers, Outgoing Domestic$15
Wire Transfers, Outgoing International$15

Check Services

Cashier Check$3
Personal Money Order (PMO)$2
Stop payment (per request). These fees double for lost checkbook$20
per item
Counter Checks (first five are free)$0.25

Cash & Deposit

Returned deposit item$4

Account Services

Garnishment Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (per month when balance is $100 or less)	$10	per month	None
Account balancing, reconciliation & research fee per hour	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft fee per item per presentment	$30	per item	None
Overdraft fee per item per presentment (overdraft balance $30.00 or less)	$15	per item	None
ATM & Card
Debit Card Replacement	$7.50	Not stated	None
Expedited Debit Card Shipping	$60	Not stated	None
Wire Transfers
Wire Transfers, Outgoing Domestic	$15	Not stated	None
Wire Transfers, Outgoing International	$15	Not stated	None
Check Services
Cashier Check	$3	Not stated	None
Personal Money Order (PMO)	$2	Not stated	None
Stop payment (per request). These fees double for lost checkbook	$20	per item	None
Counter Checks (first five are free)	$0.25	Not stated	None
Cash & Deposit
Returned deposit item	$4	Not stated	None
Account Services
Garnishment Fee	$25	Not stated	None

Correct a fee source

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.

Fee change alerts

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